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My condo in Fort Myers, Florida took on seven feet of water during Hurricane Ian three years ago. My condo HOA also had flood insurance and began the restoration process. Their adjuster was thorough in his reports, and the HOA was paid for upgrades in…

My home is insured with CA Fair Plan and was destroyed in the Eaton Fire. I am considering selling the lot “as is” but have not yet settled my claim with my insurance company. If I sell the lot how could this affect my insurance…

Recently, at a Nevada County town hall, Amy Bach advised “finding out your risk score…and making sure it’s based on accurate information”. Although California Fair Plan insureds are informed of their Level 1 and Level 2 wildfire risk scores (as determined solely by Fair Plan),…

Hi, Thanks for your answer to my evacuation question, and for further clarification, our home is in the CZU fire area. Our property was not burned, but we were evacuated for weeks. We have had many subsequent evacuations due to threat of landslide. We have…

We have a coastal property in Fort Morgan, AL (Gulf Shores). Our insurance assessments went from $2,300 in 2022 to $5,500 in 2023 to estimated $6,800 in 2024. We have not flooded in that area and have been told it is not likely we will…

State Auto has this in dwelling settlement letter sent to me: “According to the terms and conditions of your policy, we will pay no more than the actual cash value of the damage until actual repair or replacement is complete. You may then make a…

You state that there are about 115 companies still writing fire insurance policies in California. Can I get a list? My agent can’t find any. Thanks, Mike

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 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…

The insurance adjuster is lowballing repair cost and said they do not recognize Xactimate pricing. Is there a law to challenge this ?

When applying depreciation, is an insurer right to add the cost of labour to the cost of materials required to repair a damaged old building, whilst computing the depreciation?

Our Insurance company recommended a water mitigation company on their behalf. The water mitigation company exacerbated an issue. Is this relationship between the insured and water mitigation company or is this relationship between the insurer and water mitigation?

Hi there, We had extensive fire damage due to human negligence. The neighbor’s insurance is subpar, and they are claiming that we have to figure in “depreciation.” I’m upset to say the least. The fire damage includes a rather large retaining wall, etc. Any advice?