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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…

Can you please help us find new homeowners insurance? We just got a letter from Occidental that they will not renew our policy when it expires in November. We live in the Oakland Hills on Valley View Rd. We’ve lived here for 30 years and…

Hello, We lost our home on two acres in the CZU fires in California, which included an unattached studio. The studio is clearly covered under “Other Structures.” In our rebuild, we are building in town on a very small 4,200 sq foot lot, so the…

We have reached a satisfactory settlement from State Farm, after losing our home to an electrical fire in 2021. We are ready to close the claim. We are opting to purchase another home, and want to start the process of buying. We are currently renting.…

1-We have flood insurance (& homeowners). Our insurance, USAA, denied because they called it “groundwater.” It never was underground. The source is the pool. It barely crossed the soil. This is a condo with pool water 3′ from living room/family room and cement pool decking…

Hi, My car was recently hit by someone (not my fault). I got an estimate for the body work from one of State Farm’s preferred vendors. The insurance company came back with their lower estimate (30% lower). The said their estimate is always low, and…

I’m in California. I had a total loss fire and I am building back with twice the sq footage then was there before. I understand that they only pay for what was there before but for example the architect doing the plans is one fee…

Our insurance company repeatedly confirmed about the time frames with the following language. “And that can be recovered, per insurance guidelines and rules in Iowa, within 180 days from last Actual Cash Value payment.” However, suddenly, without any notification, we received an email “The time…

We lost our home in the Marshall fire and have chosen to purchase a new build in a new development rather than rebuilding on our lot in Louisville. Our insurer has paid coverage A 100% and also the additional 25% home protector, however they have…