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My home burned in the Marshall Wildland Fire. We have USAA insurance. The City of Louisville is allowing us to opt out of the 2021 IECC building code and downgrade to the 2018 IECC standard. My question is whether the insurance companies will pay building…

The Employer’s Liability Exclusion (page 2 of 16 of Commercial General Liability Coverage form CG 00 01 10 01), has a statement below at the end. “This exclusion does not apply to liability assumed by the insured under an ‘insured contract’ ” I’m an additional…

I’m negotiating with my insurance company on code upgrade charges. We lost our home in the 2017 Tubbs Fire in California. My original house was built in the ’70s and remodeled in mid ’80s. Our rebuild permit was issued in 2019. What portion increase (percentage…

I had a partial loss as a result of the CZU Fire and my home has structural damages to the roof and exterior walls. However, the building department has stalled/ delayed permits, and I have continued to live in my house with only temporary mitigation…

When applying depreciation, is an insurer right to add the cost of labour to the cost of materials required to repair a damaged old building, whilst computing the depreciation?

Hi there! My family and I lost our homes in the Mountain View Fire in Coleville, CA on November 17, 2021. After the fire, and the emotional rollercoaster ride that goes along with that experience, we ultimately decided to rebuild our home. We have our…

Can you get paid mileage for checking on your home while it is being rebuilt?

Our home was totally lost to the Colorado Marshall Fire on 12.30.2021. We were advised by our Safeco/Liberty Mutual adjuster that we needed to obtain an “as-was bid with code upgrades broken out separately” and submit that bid to that same Safeco/Liberty Mutual adjuster, so…

Hi, Our home was in the Marshall Fire in CO, but survived with smoke & fire damage. Prior to the event, we were underinsured. Since then, we’ve been trying to increase our dwelling coverage with our insurance company (USAA). After two attempts, we were able…

We recently had damage occur to our community pool. The adjuster is requiring a contractor to help determine the cause of the damage. Who pays the contractor?? Thanks, Don

The “extended coverage” that they add to coverage A (that extra 20% or whatever), do you get that if you are buying a new house or only if you are rebuilding?

Can you recover the amount in your policy for code upgrades if you buy a house elsewhere that meets those codes?

Can you provide a list of items that are commonly left out in estimates?

My adjuster said that architect plans specific to building code upgrades are also part of our building code limit and wants the firm to price that portion separately. Any insights? I will greatly exceed my code limits.

Our adjuster gave us an estimate with a very small amount for code upgrades, without explanation. In response to a question about it, they said they would revisit it in the future when we rebuild and get evidence of what the upgrades cost. Is this…