Ask An Expert

Can my insurance company retaliate against me by not renewing my Homeowners Policy if I file a complaint with the California Dept. Of Insurance?

According to the ALE portion of my policy, I am covered up to a certain percentage of my personal belongings (property) liability which is $32,000.00 total. So far, I have received $25,000.00 from my claim which leaves a remaining balance of $7,000.00 of my total…

I am having an issue with the contractor who was sent out by insurance to repair my property after a flood from kitchen! He had me pick out a floor which he said was in budget for like 2 weeks. Then suddenly he asked me…

Hi, my name is Tammy. I have a family renting out my home now due to a fire in their home. I wanted to see how I can keep helping the insurance companies, instead of put these families in hotels or sending them to live…

My client is a General Contractor in Wyoming that provides homeowners with reconstruction on their home during an insurance claim process.

Can you please explain how I can apply for a discount on my AAA homeowners policy now that I have created defensible space around my house and am taking further home hardening steps? I live in Sonoma county, CA. Thank you 🙂

My father had continuous homeowners insurance with the same company for decades. Perfect payment history, no claims, no late payments, way over-covered, very conservative financially, took no risks, made sure everything was in order and on track. When he died, I notified (in writing) both…

Hi, our firm performs water damage mitigation and restoration services in the metro Atlanta area. As part of our services we often need to remove flooring and drywall from our customer’s properties. To comply with Federal and State regulations we have the home owner’s obtain…

Hi, We chose not to rebuild after our house was completely destroyed in the Marshall Fire and relocated to Maryland. I am in the process of trying to find homeowners insurance on a home in Maryland that we are under contract to buy. I have…

Insurer denied our water damage claim based upon a policy exclusion for “continuous or repeated seepage or leakage…over a period of time and [which] results in deterioration, rust, mold, or wet or dry rot.” The undiscovered/undiscoverable cause was a bad upstairs toilet wax ring. The…

Or does the replacement home definitely have to be bought after the total loss of our primary residence? I can’t find the law about this. The second home is now our primary residence. I need to receive my extended replacement cost on my destroyed home…

We suffered a fire last year that led to the partial loss of our home. Repairs have not started because we are arguing with our insurance company about the settlement amount and the extent of the damage. We have a replacement cost policy that makes…

Hello I am reaching out about an accident that my granddaughter had in 2022. The other party is suing her personally and our insurance company refuses to respond to request for representation/deposition help. What can I do?

I’m sorry for the lengthy post, but I wanted to present the full picture, so that the suggestions you provide would be more useful for me. I live in Texas. A lot of my neighbors were getting their roof replaced with their insurance claim payments,…

Regarding Debris removal: I thought that there were 2 buckets of money: one for dwelling/other structures debris removal and one for contents debris removal, both are 5% of coverage A & C, respectively, and you can get both buckets of money as long as you…