Ask An Expert

I was involved in a serious accident where my vehicle was T-boned and later deemed totaled. As a result, I sustained injuries to my neck, back, and shoulder. I sought immediate medical attention at Kaiser Permanente, where both X-rays and an MRI revealed injury-related damage.…

We’re a retired couple in IL with excellent credit, debt-free and never a late payment. Our insurance carrier informed us our premium was higher due to something in our credit report. We obtained a copy of the same report they used and could find nothing…

I recently found out that Progressive is not going to renew my CA homeowners insurance policy. This is after last year they requested pictures documenting the house met their defensible space requirements, which they responded in an e-mail that the photos demonstrated the requirements were…

I recently received a letter of denial from an Insurance company. I am looking for new homeowners insurance. The reason I was denied was I had Hail Damage in 2020. I was told that part of the criteria to issue new policies is no claims…

Does Cal Code 2070-2071 apply to disclosures for auto accidents? Does Cal. Code Regs. tit. 10 § 2632.13 pose jurisdiction for a California insured person in out of state accidents?

I live in a FireWise designated community and am insured through the California FairPlan. The California FairPlan policy states that those living in a FireWise community will receive a discount. A FairPlan representative states that I am receiving a FireWise discount, even though my policy…

I requested replacement for a large amount of lost jewelry. My insurance company wants to make a cash settlement based on the 2017 appraisal value. They are not willing to reproduce the items. I would not be able to purchase the same/similar item today due…

I cannot understand the following text from CA Fair Plan that was included in our May renewal documents: “Your wildfire territory is based on an assessment of overall wildfire risk that assigns a score to each address. (Understood.) Your wildfire territory ranges from True 0…

Complicated but main question… if I sell my fire damaged house, will the open claim be canceled or will I still be paid out directly and not go to the new homeowner? Home is located in California.

There is a layer of asbestos siding underneath the vinyl siding. This asbestos material breaks and needs to be removed for proper installation of new siding. Insurance company is taking the position that the cost of removing asbestos materials is not covered due to the…

My lender is going to force a wind insurance policy of $1493 annually despite my having a CalFAIR policy. What is cheaper, expanding my CalFAIR to include windstorms or let the forced insurance apply ? Also, I thought CalFAIR insurance was adequate for mortgage lenders…

I’m looking for the video on the June 11 webinar focusing on homeowners insurance in CA

On March 20 a highly rated roofing company (D&D Roofing from Sparks NV) began replacing the roof on my 2 story 4 plex apartment in Quincy, CA. They finished the job on Friday March 22. Within 12 hours heavy rain started and apt #4 was…

I live in New Jersey, and have a standard auto policy with Progressive currently covering me, my wife, my adult daughter (who lives with us), and my adult son, who lives in (and has his permanent address in) New York. My son comes to New…