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Incurred Cost Receipts

After home loss due to fire, our elderly (age 94) father legally signed over the property ownership to us (2021), in order to handle the rebuild. The insurance company did not agree to put our name on the policy, nor on the still active claim.…

Leslie Carter asked 2 weeks ago •  • 
37 views0 answers
insurance company not responding

I am living in Florida and my business and home was hit from Hurricane Ian. I have renters insurance and from the very beginning they have tried to deny the claim without ever speaking to me or even coming to look at my place or…

Amy Bach answered 1 day ago •  • 
24 views1 answers
repair or replace clause in AAA insurance policy

Hi: My wife and I own a 2nd home in Michigan. It was severely damaged by a water event from the hot water tank. After several months of problems with the tear out and the insurance company decisions on the amount of coverage for the…

Keith Kaminski asked 3 days ago •  • 
26 views0 answers
Should I call my agent to have my coverage increased now – nearly two years after loss?

I’m getting ready to file a pro se civil suit against Progressive Insurance and SelectQuote Insurance Services, the agency that sold a progressive auto and homeowner’s policy in February of 2020. In December of 2021, a large tree in my backyard blew over in a…

United Policyholders answered 3 days ago •  • 
16 views1 answers
Independent appraisal

There is an option in our insurance policy allowing for us (the insured) to request an independent appraisal by both the insured and the insurance company and that an agreed upon Umpire would make the final decision on which appraisal is accurate. The claim is…

United Policyholders answered 4 days ago •  • 
24 views1 answers
Indoor testing

I sent a proposal for about $4200 for indoor testing at my home following remediation after a fire in the basement. The insurance company refused to pay for it so I had the company (which is owned by Service Master) do modified testing that I…

Lynn Marie Hamsen asked 5 days ago •  • 
20 views0 answers
CA Fair Plan Installments?

Hi, Every year when I attempt to get the CA Fair Plan, the insurance company tells me i have to pay 40/40/20…basically the whole amount in 3 months in large lump sums. I was told that they have to offer a 12 month installment plan.…

United Policyholders answered 5 days ago •  • 
21 views1 answers
replacement coverage for other structures

Our home owners insurance policy states the following “Buildings under Coverage A or B at replacement cost without deduction for depreciation, subject to the following….” Coverage B is “other structures.” We had a 1963 mobile home that was completely destroyed in severe winds on January…

Selina Clark answered 5 days ago •  • 
35 views1 answers
Insurance for POA (Property Owners Assoc)

We are a small community in Shaver Lake and frequently have work days where our community members work on the roads (asphalt patching, weed eating, culvert cleaning and more). The roads all are considered community access but also are part of the various property owners…

Ari Levin-Arroyo asked 2 weeks ago •  • 
24 views0 answers
Land Valuation Deduction on New Build

Our home was destroyed in the Marshall Fire and we have decided to purchase a new build in a new subdivision. We sent the contract to our insurer USAA which clearly shows the total price we are paying and breaks out the amount for the…

Katie Goodrich answered 2 weeks ago •  • 
37 views1 answers
Pro Se: No Attorney

Hello, We have a toll with our two colluding insurance companies for a claim that is still open after 2 years and 4 months! It’s looking like we are going to have to sue each of them by this coming June 11th, and unless we…

United Policyholders answered 2 weeks ago •  • 
29 views1 answers
Claim Guidance – Furniture replacement

The remediation company has recommended replacement of all 3 beds and 2 sets of Lr and Fr sofa and loveseats, I have gone to several stores in our area that can deliver in stock items vs order which would take 2- 3 months. We need…

Robert Crown answered 2 weeks ago •  • 
35 views1 answers
homeowners claim

I was approved for an additional payment on my homeowner’s claim. I had two contractors one for carpet and one for vinyl flooring. The insurance company quoted an amount for the removal of debris for the carpet contractor. When I asked about the second contractor…

Selina Clark answered 3 weeks ago •  • 
62 views1 answers
Debris Removal Payment Problems

Hello, I seek your insight about a dilemma I’m facing with State Farm regarding debris removal payment. For context, I lost my house in the CZU Lightning Complex in August 2020. After State Farm issued its last Dwelling payment in September 2021, I informed my…

United Policyholders answered 3 weeks ago •  • 
73 views2 answers
Home claim

We had a chimney fire that had extensive smoke damage and we have relocated to a temporary home. Our insurance sent a remediation company to assess the damage and they seemed very thorough and talked a good talk. We didn’t realize we could have picked…

Karl Susman answered 4 weeks ago •  • 
135 views1 answers
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