Ask An Expert

I was parked in a large parking lot and was slowly, very slowly backing out of my spot at the same moment another driver in a larger car than mine was also backing out. The shape of the parking lot on that row was slightly…

Can you clarify further the difference between a scope of loss and an estimate? I feel like my insurer went straight to the estimate without sharing a detailed scope. How long and how in-depth should the scope be?

Do cost to rebuild estimates from insurers include architect fees, structural engineering, etc?

Why does the Insurance company have any say over a REPLACEMENT home I might choose to buy over a REBUILD? What if I want to rebuild a different home than the one that was destroyed?

Our insurer in California increased our coverage without warning or consultation which led to an almost 100% premium increase. Is this legal and do I have any recourse other than looking for another insurer? We are in southern California and there have been fires close…

Which homeowners insurers do not use binding arbitration clauses? Is there a link, resource, etc. I can use to find out?

We received an estimate from contractor to submit to insurance to fix damage from broken pipe (black water). If the contractor exceeds the amount of the estimate due to unexpected obstacles related to damage, will the insurance company cover the total bill with full replacement…

Our insurance company, Nationwide, is telling us they will only reimburse us for $.18/mile instead of IRS rate of $.51/mile. We couldn’t find housing in Santa Rosa area where we lived so we now are renting in Calistoga. My husband and I both work so…