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I live in a high cost area (SF Bay Area) in a 110-year-old home with many features that would not be included in the typical home used for ballpark new construction cost estimates (wood floors with inlays, built-in cabinetry, wood frame windows, etc.). If my…

Hi Do you also deal with home warranty companies and if so is there a list of rules etc. that I can see that they are supposed to be guided by?

I am seeking to do a significant addition to my home. The addition would add over 800sf of living space to an existing 2,000sf home plus a garage and non-occupied basement space. I asked my insurance agent (State Farm) about Course of Construction Insurance but…

We are a small community in Shaver Lake and frequently have work days where our community members work on the roads (asphalt patching, weed eating, culvert cleaning and more). The roads all are considered community access but also are part of the various property owners…

I sent a proposal for about $4200 for indoor testing at my home following remediation after a fire in the basement. The insurance company refused to pay for it so I had the company (which is owned by Service Master) do modified testing that I…

After home loss due to fire, our elderly (age 94) father legally signed over the property ownership to us (2021), in order to handle the rebuild. The insurance company did not agree to put our name on the policy, nor on the still active claim.…

I am living in Florida and my business and home was hit from Hurricane Ian. I have renters insurance and from the very beginning they have tried to deny the claim without ever speaking to me or even coming to look at my place or…

Hi: My wife and I own a 2nd home in Michigan. It was severely damaged by a water event from the hot water tank. After several months of problems with the tear out and the insurance company decisions on the amount of coverage for the…

There is an option in our insurance policy allowing for us (the insured) to request an independent appraisal by both the insured and the insurance company and that an agreed upon Umpire would make the final decision on which appraisal is accurate. The claim is…

Hi, Every year when I attempt to get the CA Fair Plan, the insurance company tells me i have to pay 40/40/20…basically the whole amount in 3 months in large lump sums. I was told that they have to offer a 12 month installment plan.…

Our home owners insurance policy states the following “Buildings under Coverage A or B at replacement cost without deduction for depreciation, subject to the following….” Coverage B is “other structures.” We had a 1963 mobile home that was completely destroyed in severe winds on January…

Our home was destroyed in the Marshall Fire and we have decided to purchase a new build in a new subdivision. We sent the contract to our insurer USAA which clearly shows the total price we are paying and breaks out the amount for the…

Hello, We have a toll with our two colluding insurance companies for a claim that is still open after 2 years and 4 months! It’s looking like we are going to have to sue each of them by this coming June 11th, and unless we…

The remediation company has recommended replacement of all 3 beds and 2 sets of Lr and Fr sofa and loveseats, I have gone to several stores in our area that can deliver in stock items vs order which would take 2- 3 months. We need…

I was approved for an additional payment on my homeowner’s claim. I had two contractors one for carpet and one for vinyl flooring. The insurance company quoted an amount for the removal of debris for the carpet contractor. When I asked about the second contractor…