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I was living in a house owned by family when the Eaton Fire displaced me. I have a lease that lists a rent, but I wasn’t actually paying anything due to financial hardship. My insurance wants to base ALE on my lease. Can I say…

Our insurance company is paying the vendor fees out of our ACV of contents loss. We had a garage fire that ended up pretty much a total loss. The only thing that they are trying to say is not a total loss is our kitchen…

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…

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…

We have 11 properties in a small town and we filed claims on all our properties after all the California Mountain Fires. The first 4 homes all came back with contamination and they were paid out, then the adjuster stopped answering calls and would not…

I am rebuilding a structure destroyed in the 2020 Creek Fire in California. I am incurring a lot of expenses related to architectural, engineering, surveying and permit fees. Are all these fees considered Coverage A costs and therefore come out of the “Coverage A pot…

Is it normal for a contractor to charge an up-front fee for providing a written building estimate, bid or quote that is required by the insurance company?

I recently submitted a quote to my adjuster from a prospective builder for the cost of rebuilding the house we had. A Public Adjuster happened to call at about the same time and said “of course the adjuster can ignore this because the quote is…

We had water damage. Insurance company tried lowballing the contractor’s estimate but after several weeks they issued money exceeding the contractor’s estimate. But the adjuster’s worksheet does not reflect that. Now the mortgage company — who is also on the insurance claim check — is…

Our insurance company, Nationwide, is telling us they will only reimburse us for $.18/mile instead of IRS rate of $.51/mile. We couldn’t find housing in Santa Rosa area where we lived so we now are renting in Calistoga. My husband and I both work so…

We lost our home in the N. Cal wildfire in Oct-2017. I had a 600 bottle collection of wine and a refrigerated wine cellar. I value the wine at $35K. There is nothing we have seen in the policy that excludes wine. What personal property…

I am trying to get our AAA insurance to pay FRV for a furnished rental rather than an unfurnished rental. I have gotten quotes from a realtor on their letterhead as requested but the adjuster keeps telling me they will only pay for an unfurnished…