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Would “Iowa Code Section 554.2302 Unconscionable contract or clause” apply to property insurance companies? Thank you!

My car was stolen July 9th and recovered 4 days later. At the time my coverage had lapsed due to an auto-payment that didn’t go through two months prior. I intended to make up the payment but just procrastinated it. You can imagine my additional…

Hippo Insurance Company denied my Homeowner Insurance claim. In the denial letter, it stated: “Inspection reports revealed long term wear and tear. There is no coverage under this policy for poor workmanship causing constant seepage.” Hippo also referred to HO6 policy Section I -EXCLUSIONS B…

Greetings, When creating my contents inventory for our insurance claim for a total loss, do I include our furnace? How about installed light fixtures, fans and installed dishwashers, water heaters etc? Please clarify. Thanks! Regards, Laura

Florida Insurance Guaranty! They owe us $60,000 and they offered us $1,500. This open claim keeps us from getting another insurance company to write a policy on our home. This is all due to FedNat going into bankruptcy back in 9/27/2022. It feels like extortion–if…

It’s been 11 months since I was rear-ended by a commercial van, yet to this day they still have not paid me for anything. Only a very small check that was nowhere near enough and a clause that it would revoke their full liability when…

My house was broken into and the insurance paid out the damages to the structure but they are not paying me for the stolen items. At first they told me that I did not need pictures or receipts but now they are asking for pictures…

We lost our house in the Marshall Wildfire. The insurance company paid out the limit on our structure minus depreciation. We have a 20% extension on the structure and other structures portion of the policy. My adjuster says that if we get the full 20%…

Would the insurance carrier owe for property, damages or roofing degradation and damage due to the extreme heat waves that have been experienced in North Texas? The heat has caused the shingles to crack, fishmouth, melt, etc. Can I file a claim for this damage?

My family member recently found a water leak in the wall of a bedroom closet. Mold had begun to form. It is not easy to determine the source of the leak without opening up the wall completely so we are waiting for the Adjuster from…

I live a couple blocks from the Hayward fault in Berkeley, California. Happily I’m just out of the wildfire zone but we are due for a major quake and now that I’ve owned my house for 25 years, my equity is large enough that I…

Our insurance company hired an estimator who used Xactimate to estimate repair costs for water leak damages in our kitchen. The estimate is extremely low, especially with respect to kitchen cabinet replacement, so we solicited independent estimates from multiple cabinet makers and one general contractor…

We lost our home and property in the Caldor Fire (8/17/21). As it turns out, we lost more more than what we had coverage for. My State Farm-issued spreadsheet is asking for make, model and replacement value of all items. There is no way we…