Ask An Expert

If an insurance company determines a constructive total loss on a house fire claim, do they need to formally inform the insured of this determination in a written letter? If so, how long after this determination are they required to inform the insured?

I lost my metal roof during Hurricane Helene, there was an old shingle roof under the metal roof. Two weeks later Hurricane Milton shredded my tarp. Water entered my mobile home through the master bathroom roof. There was clearly visible water damage to the laminate…

How do I access the home contents inventory done by United Policy holders with numbers in an apple computer so i can type into the form instead of hand writing it?

If homeowners insurance pays part or all of a claim for roof damage to an NC home during Hurricane Helene, will FEMA still pay some of the remaining claim?

Hello, My policy provides “Personal Property Replacement Cost.” Farmers Insurance has already disbursed the required “up-to” $250K. They are now asking for an itemized list which I have been diligently creating. I am trying to best understand the process and payment going forward. Am I…

We live on Anna Maria Island in Florida. While we were not devastated as much as most, we do have two feet of flood damage to our home from the surge. We have an elevated home so most of the damage was to contents in…

Hi all, I am from Connecticut. Last year our family home was destroyed due to water burst. We have significant water damage throughout the entire house. It has been more than six months since the initial remediation began. Since the remediation, we are still in…

Where can I find out how long I have to complete the Contents Inventory in the state of South Carolina. Thank you!

We had water damage in our kitchen and the rebuild vendor removed all the bottom cabinets, but there was mold in the drywall behind it. The upper cabinets were not affected. Four months have passed and the vendor cannot match the cabinets as they are…