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NFIP Flood insurance payment
Our insurance adjuster mentioned something about the NFIP will only pay the lesser of what they estimated or what it cost us to rebuild. So, if our damage estimate is $80,000 and that is what the NFIP agreed to pay, but we do the work ourselves and it only cost $70,000 to rebuild do they have the right to make us pay back the $10,000 difference? The main reason for asking is because our mortgage company is bullying us into using the money to pay off our mortgage. Therefore, we will be out of pocket for the repairs we will be making and could not afford anymore expenses. It's not like we are pocketing $10,000 since it is going towards our mortgage.
Best way to handle a claim
Water damage caused by the condo above. Should we use only the condo above Insurance company or get our Insurance company involved. Is there a time limit to get cost estimates to the insurance company. Don't understand Insurance claim "Pursuant to our interpretation of California Fair Claims Patrice Act a decision to accept, deny or submit a 30-Day Extension letter, as to claim presented, is due within 40 days from date of receipt of proof of loss." I had to request the Insurance estimate by e-mail, is receipt of loss to day I received their response. Water damage occurred on June 30, 2016. I contacted our Insurance on 6/30 and the other Insurance company on 7/1
Property loss insurance obligations
Our house destroyed by mildew by roofer neglect during storm. Total destruction and rebuild estimated at 6 months. Job underestimated. .6 months to demo it. Insurance paid our alternate living place rental for 6 months. Having to fight them for another 4-5 months of rental even though house is a skeleton with outside walls and inside foundation lumber only. We're surprised--who was supposed to be monitoring the demo work ...we had no idea they would fight on extending.. the reason was a slow restoration company who were often there 1-2 days a week in the last months,.. the restoration co and our insurance agent miscalculated by 5-6 months. Do we have to pay for a place to live for the next 5 months .? Not our fault they took so long to do demo? Thanks. Insurance provider is Allstate. Now National General (?) is our insurer.
Texas claim against the Water Supply Corporation Insurance Company
I have a claim against a water supply Corporation in the state of Texas which is listed as a nonprofit organization I do not have homeowners coverageI'm over 50 and on disability I simply can't afford it the claim was filed with the water companies insurance for the damages they calls to my property I'm assuming they are considered a third party liability insurance do they have to pay me actual cash value replacement or they allowed to depreciate the values considering I wouldn't be replacing it if it hadn't been for the liability of the damage they did to the property which is water damage 2. there long time leak saturated the ground for months well over 5ft in the ground one of my red oak shade trees they cut down do they owe me for the value of my shade tree
Doing the work myself
We are not real happy with our contractor, and may let him go. If we decide to finish the work ourselves, can we still get the O and P? If so how hard is the fight, and do people usually win that fight.
Our kitchen faucet was leaking under the sink cabinet and we didnt know it until too late. We hired a contractor, who took out the whole caninet. So this cabinet had the sink and dishwasher in it. We have been without a dishwasher or sink for about 2 1/2 weeks now. I'm washing dishes in the bathtub. Also since it so hard to wash dishes, we are eating a lot of premade food from mostly Costco since my husband works there. Eating this way is quite a bit more expensive. Should I get reimbursed for all the inconvenience and extra cost?
Depreciation in a home claim
I have a home claim in progress. They sent an independent adjuster to our home. I have received the estimate. There is quite a bit of depreciation in it. For instance our carpet was damaged becauae of a water leak. The RCV for the carpet is $1,846.91, and the depreciated amount they have in the estimate is $1,539.09. The carpet was only 2 years old. I think the reason they depreciated it so much is because when the adjuster came over, the carpet was a mess. I knew we were ripping it out so i hadnt vacuumed. I could have vacuumed and shampood it, and it would have looked great. They probably wouldnt have depreciated it so much. Have Can i fight the depreciation?
I have a vacation home near Daytona Beach, because I am in Kentucky do I need to physically see damage myself before calling my insurance co or can I go from pictures of my home from neighbors ?
Personal Property Insurance
I was robbed filed a claim and I need help to understand the term, "Insured is responsible to select Stated Limits." I had total 10 jewelry items and out of 10 only 5 are covered and other 5 became over the stated limit. Adjuster decided to pick only those items for which I have coverage from my credit card. Who should decide which items to pay from which insurer? The claim is about $40K, do I have to include it in my tax returns?
2 claims for same damage
In July 2016 I had a roof leak during a storm and filed a water damage claim. It DID NOT hail that night. The mitigaton company covered my ridge vent with ice and water shield for emergency purposes to protect my dwelling, as this area was thought to be a contributing factor to the leak. My insurance Co. Paid for the replacement of these few rows of shingles that the ice and water shield was nailed into since the shingles now have nail holes in them. During our walkthrough, my contractor noted hail damage to my roof/siding. Had to file a separate claim. An entire new roof/siding is being covered under the hail claim. Since my entire roof will be replaced under the hail claim I didn't replace the nail holed shingles. My Ins. Co. Took the $ paid to me (under the water claim) for replacing the nailed shingles & deducted that amt. from my hail claim. Am I entitled to this money?
High Risk Insurance Policy
I filed a burglary claim and then lost my house to a chimney fire; both claims at around the same time (12/2013 and 1/2014). The house was completely destroyed in the fire. I had to sue the insurer over the terms of the policy, and won the case; however, after the lawsuit, they cancelled the policy because the property was unoccupied. That has all been resolved, and I am now looking to purchase a new home. I am finding it difficult to purchase a policy, though, because all of the insurers consider 2 claims in the last 5 years too high a risk. Do you guys have any guidance on what I can do now to find an insurance policy?
Water damage claim
Thank your for your answer to my previous question. I'm a little confused by the answer I received. If I use the company that the insurance co. provided for repairs to complete a portion of repair work, do I have to use them for all of the work? If I understand your answer you are saying that I have to have the work completed in the estimation as is and make no changes? If I can stay within the amount allowed why can I not make some changes? The house is free and clear. I do not know if that makes any difference.
claim with insurance co. for water damage
My insurance co. did not have an adjuster come out to assess the damage to my home.. They had a restoration and repair company come out and prepare an estimate for repairs. They have already deposited the funds to repair the house into my account. Am I obligated to use this company to repair all the damage or may I have them complete only certain items? I have a family friend that can do the cosmetic work such as installing floors and painting. for much less that the restoration company will charge.
We had a fire over three weeks ago - August 31st, reported the claim at 7 am the next morning (entire home, most likely a total loss). The adjuster came September 9th and we haven't heard anything since. Is there a legal limit that they have to let us know what the answer is when the home is completely unusable?
Forced overinsurance for contents
I saw in the Florida Ins Consumer Protection Guide contents ins is not mandatory. I've asked to not have contents insurance from policy inception because the value is low due to our immaterial living habits. The request has been refused and I am greatly overinsured. The underwriter refuses any modification although my agent has been to our home and verified this. The deductible is high and no claims made. So now I am paying for contents that don't exist. We would be fine with no contents insurance versus being grossly overcharged. We don't even own a toaster or a microwave! What can I do?
legal fees as an incurred expense?
I lost my home to fire last year. My insurance co. sent a check, payable to me & my insurance co., to pay off my mortgage. The amount was the exact amount per the mortgage company's response for a loan payoff amount. This was Nov. of 2015. The morgtage company, which gets very poor customer ratings, refused to credit my account with the $136K & has held the $136K in a "reserved escrow account" stating they need a letter of intent to payoff the loan & a CURRENT pay off amount statement. The mortgage company has tried to sell my burned house as a 3bd 2 ba 2100sq ft home at auction 3 times! After trying to deal with this extortion myself for 10 months, I hired an attorney. After a month of work the mortgage company legal staff admit the mistake. Can I claim the legal fees incurred as additional expense from my insurance? Can I sue for extortion in civil court?
value of books per foot
My house burned completely in the Butte fire. I am trying to estimate the value of my books I lost from my library. Is there a current estimate for the value of books per foot for fiction/nonfiction and technical/engineering books that is accepted by insurance companies? I am planning a trip to Stanford University bookstore but if anyone has a current figure at hand that would save me a 300 mile round trip!! Thank you in advance for your help. Rosemary Wilson, Arnold CA
Multiple Water Source Claim Denied
We recently had a basement flood that the restoration company and field adjuster agreed was from multiple sources - bad roof flashing on one side and a foundation crack on the other. We now have mold in our basement (flood happened two weeks ago but adjuster just came out today) and they denied all of our claim. Is there anything we can do? At minimum we must get the mold remediated, carpet torn out, and drywall fixed. We have only been in the house for year! Please advise. Thank you in advance for your help. PS - we have Safeco.
Flood Disaster Connellsville
Home was destroyed by 4 ft water it is one level, sits on ground, no slab. city engineer came and deemed our home as for demo. After the flood adjustor came, we informed him about the demo, they want to send an engineer to investigate the findings, 4 to 6 weeks in the meantime we are in 30 day temp. housing. Mold has been growing and the flood insurance engineer is telling us we better not let the city demo home until they get their because our policy states we are to have home available. It's been 2 weeks and it is available. Any advice ?? Thank u.
Elder/sick parents had to move in with their children (in another state) so the home went up for sale and was still insured, but the home was vandalized/broken in to.....can a insurance claim still be filed on our parents home?.... NO because it was worked out that the house would be rented to family in the same town but it never got to that point after the vandalism
NFIP supplement process
We just received our proof of loss and cost of repair forms to sign and return. Some of the amounts on the line items are way out of line and won't cover the costs to replace. It was explained to me this total was a starting point and there is a supplement process to cover overages. Is it safe to sign these documents and submit to start the process or should I contest the amounts in question now. What documentation is needed to supplement a flood claim? I was told to send in receipts but if I don't have the money to pay I can't get a receipt. Are labor costs able to be supplemented in this process?
Proof Of Loss- LA Flood
We had 6ft of water in our home in Denham Springs, LA. We were one of the fortunate and do have flood insurance on structure, not contents. We are actually over insured on the structure. Allstate sent a Proof Of Loss and requiring we sign and send back, It is broke down room by room, however I don't know that the total they have will in fact cover everything, we called and they stated that this is just a starting point to get the ball rolling, and if there are additional costs incurred we will have to open a supplement claim. Of course we have never been through this process, just wanting to get conformation this is all on the right track? I appreciate any information. Thank you, Kim Adams
Home insurance coverage
We got slammed with golf ball size hail. insurance adjuster came by and pretty much only cover ruff and guters. It is not close to enough. Our landscaping has been ruined, trees torn apart , fence has holes, grass is gone, paint on our house is chipped even dented garage. What should I do?
my home burneed down 5 months ago it is uninhabitibal to live in. insurance says additional living exspences covered is 11,808.00 but after 5 months they quit paying because they said that was enough time for me to find a hoime. question details
the policy reads as follows: 1.) We will pay the reasonable increase in living expenses nessesary to masintain your normal standard of living when a direct physical loss we cover makes residence uninhabitibal. 2.)payment for additional living expenses as a result of covered loss will be limited to the least of the following 1. the time period it takes to repair or replace the property we c over using due diligence and dispatch. 2. if you permantley relocate the shortest time for your household to settle else where or 3. 12 monthgs from the date of the loss or damage. there telling me two months was enough time to find a home and quit paying living expences. they said thats reasonable amount of time to find a home. i told them my husband passed away this first time without him after 30 yrs. I'm scared but been looking very hard plus market house goes in one day
I was over charged on cleaning due to smoke damaged. I asked the company to remove the overcharged items, and now they have me paying more than the original invoice.