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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…

We had a chimney fire that had extensive smoke damage and we have relocated to a temporary home. Our insurance sent a remediation company to assess the damage and they seemed very thorough and talked a good talk. We didn’t realize we could have picked…

We bought 4 lots. The owner was supposed to have his trailer that burnt up cleared off, but he has passed away. What can I do?

My home suffered storm damage in January 2023. Fortunately much of the remediation and repair is covered by my current provider. In March they sent me a non-renewal notice citing unacceptable risk. As of the end of April, repairs have not begun and are likely…

Hi I was issued a standard GA title insurance on Alta form by an agent. The policy has exceptions listed in Schedule B. One of the exceptions has somewhat ambiguous language related to easement and encumbrances. The insurance company is taking a very broad interpretation…

We are rebuilding our home lost in the Marshall Fire. We are framing our home now and received a notice of nonrenewal for our homeowner’s policy due to “unacceptable risk.” I’ve contacted our insurer and the DOI, but feel pressure to shop for homeowner’s insurance…

I am receiving LTD benefits due to my Parkinson’s disease and I also have a disabled son. My son is over 18 with Down’s syndrome, so he is receiving Social Security (SS) benefits due to his disability. Can the LTD insurance company offset my LTD…

We are in the final phase of negotiations with our insured, Safeco. We lost two homes in the California Caldor fire, our primary residence, and a second home on the property that we used as an overflow property for the family. We were in the…

My insurance company is trying to tell me that I have to use their contractor for part of my renovation. I thought that in Maryland the law states that the insured has the sole right to choose all (sub)contractors. Can someone point me to the…