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State Farm would like us to submit an estimate from a landscaper so that they can pay us the remainder of our policy. Are there any landscapers who would not charge to give us a quote that we could submit to insurance?

My wife and I have an active Arizona homeowners water-damage claim with accepted coverage that has developed significant communication, document-handling, ALE, and reconstruction issues. We have prepared a concise one-page summary and are looking for policyholder guidance rather than litigation at this point. Before sending…

We lost our home in the Eaton Fire. Our insurer has paid our Coverage A limit, and its Xactimate/rebuild estimate confirms that our rebuilding costs will exceed our main dwelling coverage plus ERC coverage. The insurer’s corporate policy is that ERC funds will only be…

In New Jersey, if my home is transferred to a revocable trust, should the policy be changed so that the named insured is the trust and not me as an individual? If the trust is the name insured, how do I confirm that i am…

In contents inventory, what do I do if I don’t know the date the item was purchased, or even have a general idea?

Fire Event and Household Context:• Cause: Kitchen grease fire — protein smoke — whole structure impact confirmed by fire investigation report• Kitchen and two adjacent living areas confirmed heat damage(Per fire investigation report)• HVAC system actively operating during fire — smoke, grease particles, and combustion…

A contractor damaged the fabric covering on my retractable awning. The awning is approximately 18 years old but was fully functional and in good condition prior to the damage. The cost to repair the awning is $3,200, which includes approximately $1,000 for labor and shipping.…

An under-sink drinking water filtration system in our condo failed catastrophically in the early morning hours of July 11, 2026. At approximately 4:00 a.m., I awoke to the sound of rushing water and discovered approximately one inch of standing water covering the entire first floor…

My family house was a total loss in the 2025 Palisades Fire, but our neighbor’s house survived. We hired a contractor to come in to remove debris that the Army Corps of Engineers failed to remove, including a retaining wall which was solely on our…

  My liability insurance premium has been going up, but this year it almost DOUBLED–and we’ve had 0 claims. Do I have any recourse?

Our residential home in California had a FireLine score of 0 in September 2025. For our 2026 renewal, that score increased dramatically to 52. Nothing has changed in our neighborhood, which was built in the late 1970s through the mid-1980s, and there have been no…

Hi, I recently had a pipe leak that caused water damage in our kitchen. We filed a claim and instantly called a water restoration company to clean up the mess and begin drying the wood to prevent further damage. An independent adjuster came by and…

Home insurance company says they won’t cover housing for my house sitter (at my house for 2.5 months) in the case of an evacuation. Is this legal?

I am on the CA FAIR plan and my home is located in the WUI. FAIR recently updated their discount setup for wildfire prevention to cover 13 different categories. How much % discount is each category worth? How will the completion of each category be…

Hi, I have kind of an unusual situation, and I’d like to know how best to approach it. My insurance company drafted an initial estimate for repairs that was, let’s say, $50,000. My contractor then drafted an estimate for repairs that was double the initial…