We have carried homeowner’s insurance on our primary residence for over 40 years now. Naturally, premiums have risen with increases of replacement value. At this point (with no mortgage or other liens on the property), we would rather assume some of the risk ourselves and…
Hi, we have just received a Notice of Non-Renewal of our H.O. policy in SW Florida. We have an open claim that has resulted in litigation for underpayment of Hurricane Ian damages, mostly related to our tile roof. Our insurer (Florida Peninsula) has stated the…
My insurance company sent me a letter that they are not renewing my coverage due to arial images of my property. Is this legal?
I’ve been dropped by my insurance company in Paradise, California and it seemed my only choice was the FAIR plan, which is prohibitively expensive. But now I’ve heard about non-admitted insurers and would like to contact a company or a broker to find one and…
I recently became aware of a program run by the state of California called RecoverCA which offers either grants for rebuilding after property loss or damage and one for fire mitigation needs. Having lost my house in the 2020 CZU fire, I have already obtained…
I appreciate your attention to my question. I am a resident of Minnesota, and my property has suffered damage due to overspray paint from a construction project. The affected areas include the roof, siding, and deck and all affected items are less than five years…
In a request for assistance sent to the Department of Insurance, AMICA has denied coverage for all ALE and storage of personal property. They are claiming the bank foreclosed on me. Amica claims that the home was livable prior to the foreclosure. The home became…
We had a house fire and the forensic investigation identified a faulty kitchen stove as the source. I have received a “subrogation receipt” from a lawyer who was hired by the insurance company to subrogate my claim. It looks like they’re asking to settle with…
We sold our house and in lieu of us repairing the roof, we credited the buyers the amount insurance was paying. Insurance is requesting receipts before they will release the funds. But we’re not doing the repair we credited the buyers – what if the…
My vehicle was hit and is now a total loss. The auto insurance company wants me to sign the title over to them and they have not even had a claims adjuster look at it nor have they provided me with a settlement offer yet.
Hello, My wife and I experienced a fire at our home after my grill caught fire. It ended up catching the side of the house on fire, and although it was put out before it spread, we do have hole in our home and there…
Hello, We were told by our insurance company after our CZU total loss that we had a 3-year deadline after receiving our initial personal property settlement (advance plus depreciated actual cash value of inventory) within which we could access the actual replacement cost benefits of…
Our personal insurance has denied our property claim because the adjuster misinterpreted our condo’s CC&Rs regarding liability. The CC&Rs repeatedly state that the homeowner is responsible for damages arising in their unit, but the adjuster is using one vaguely worded clause to deny responsibility. Our…
3-25-2021 F4 Tornado came through my town in Newnan, GA. I have a very solid homeowners policy in which it would cover everything and then some. Well, after my PA found asbestos in Sept 2021 he reached out to a biohazard chemical clean up company…
Hi. We live in MA. Have O&L coverage. Large house fire >50% repair requiring it to be built to current code. Town Board of Health reviewed plans of existing structure pre-loss and determined that based on MA Title 5 law, the room count exceeded the…