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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…

Hail has damaged my siding. The siding I have is a rough texture that has been discontinued and my contractor hasn’t been able to find anything that matches. He found who made it and what type it is and now it is a much more…

I’m looking for help countering their insurance companies use of Xactimate for what that software says is the life of an item. Some of the life of items they say are objectively absurd (like a picture frame lasting 5 years) and we countered on what…

Hello My mom lives in a manufactured home in a park located in Chico, CA. The marriage line is separating and is causing major issues. Her roof now leaks due to a bad roof replacement. She does not have any money to do the repairs,…

Hi, Our house was a total loss from the Marshall fire. We live in unincorporated Boulder County. Since we do not receive city services (septic, non maintained gravel road, well), when items are delivered to our home, the tax rate is 5.185%. If we buy…

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…