 Who is the best provider of home owner's insurance? |
| I am buying a house in St. Louis and I am shopping for home owners insurance and I would like advise as to which provider I should use. Thanks!... |
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 Can i pay the other car damage myself after been reported to the insurance comp.? |
| I would like to pay for the damage myself since the damage is $700 and my deductable is $500,in order to avoid premium increase,or will it go up anyway?The insurance appraiser will see the car ... |
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 Fell and hurt myself in a restaurant and have not been to the doctor. Can I still sue the restaurant?? |
I fell and hurt myself in a restaurant and have not been to the doctor. Can I still sue the restaurant??
I fell and hurt myself at a restaurant about 2 weeks ago. I was actually there to do ... |
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 Is it possible to get individual health insurance in Arkansas if you have sleep apnea? |
| I have sleep apnea which is well controlled through the use of a CPAP machine, but I was turned down for health insurance by Blue Cross Blue Shield because of it. I recently left a job through which ... |
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 I'm selling insurance.....? |
| How do I call a prospect and say "Hey I wanna write your insurance". What is the appropriate lingo?... |
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 A question about medical insurance billing? |
| I received fairly expensive medical services and received a statement that my insurance paid 90%, and that I owed the additional 10%. However, several months have gone by and I have still not ... |
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 What do you plan to do when you get out of higshool? |
i plan to go to college and become a doctor or own my own business with computers
Additional Details
i mean ... |
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 If you babtsit other children in your home, do you have to have insurance? |
| I am thinking about keeping children in my home for extra money during the week and my husband is insisting that we need insurance just in case anything happens. I told him that we did not need it ... |
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 Whic is the Best L I C policy with low premium and high returns? |
| I have limited income. With so much expenses it is difficult for me to save. I want best LIC policy or some other fund which is safe to invest my ... |
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 Car insurance help, I need some questions answered about it? |
| Ok this is the first time I have dont this so any help would be fab! I have found the cheapest company and want to pay in instalments but it says 9 monthly instaments and a deposit which I will pay ... |
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 I'm looking for Health insurance but I don't understand any of it!? |
It all seems to be written in Greek to me! And there are so meny to choose from. Can anyone tell me the name of some good ones to look at that are widly accepted?
I live in Texas but we do ... |
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| Can someone file a claim on your homeowners insurance if...? |
| Can someone file a claim on your homeowners insurance if they were at your house and got hurt, but they were drinking and wrestling around?... |
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 Should insurance companies cover smokers? |
| I need answers and fast...I have a project on this due in less then a week!!!... |
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Isa | Can anyone give me some tips about dealing with insurance co when theres a house fire? |
My Dad's house just caught on fire yesterday and nearly burned down. I just want to make sure we handle everything correctly - as no one in our family has ever dealt with anything like this... Are there any tips anyone can give me? Where he can get extra assistance from? How best to handle the insurance co? Any tips... Thank you |
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dreaminbig
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I accidently erased my lengthier responce by accident, sorry, so in brief:
- Your insurance parameters are already set, but I was reminded, through my own house fire recovery process, I am the customer and it is up to me to ask for what I want or ask the questions I want.
- You may find it necessary to gently remind people that this is your home and you are the ONLY boss in this the process.
- My insurance covered all cost so the financial end was not as hard to deal with, but I did ask for help from the Red Cross who provided us with toiletries and $150 for clothing, very generous organization.
-The most important part of the recovery is you and your families emotional and physical recovery. I went through several month where I would want to cry for no reason and I became concerned I was loosing it, and honestly even writing this bring tears to my eyes. What this turn out to be was my body physical reaction to the emotional stress, so you are not going crazy. remember other people around you are feeling the same stress so now is the time to work harder at not taking out on others if you do the fire is beating you down and its time for a vacation, seriously.
Finally do not measure the fire recovery process in time, recovery is about finding a healthy way to get back what was taken from you while coming out with more than you loss. |
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adjuster0326
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File the claim if you have not done so. Give the insurance carriers adjuster the time to make an estimate of the damages. Ask the adjuster exactly what coverages you have. Also you can start to interview contractors for the repairs. Your carrier may provide you with a name or two. Be careful with them as they work "with" your carrier and do not always have your best interest first. This type of contractor receives most of their work if not all from insurance companies. Be advised who is pulling their strings. If the contractors cannot put the home back to "pre-fire" conditon you need to be specific and ask the adjuster for a supplement. This is an additional payment made to you for repairs. During the course of this you can hire a "public adjuster" who will work with you in an attempt to gain more money from the insurance company. Most insurance companies will not pay fair. Why should they? Most of the people have no idea they can ask for additional money. As an adjuster I see most claims underpaid to the homeowner. |
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MSROYA
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Sorry for the loss. First thing do not get emotionally involved.
2. Insurance will pay for loss of use. Get your parents a furnished house or have them live with you and get paid.
3.Go over the list of inventory the adjusters come up with and make sure the price is good. Only YOUControl the Insurance Money.
4. Be Careful how you rebuild. Get 3-4 estimates for rebuilding and make sure the builders are financially strong. Do not advance them any money. Pay in stages and pay as stages are completed. NO Exceptions.
5. Get the most upgrades you can for the money.
6. Take your time and do not rush.
7. Stay Away From adjusters that charge a fee.
8. Read your policy carefully and do not let the agent push you around. Remember they work for the insurance company and will try to save the employer money.
Good Luck
MSroya - Agent 6yrs and my parents house also burned. |
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MSAD
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Contact the Red Cross - they can provide some emergency assistance.
The best tip I can give you is to cooperate with the insurance company. Each company has it's own process. So how my company handles things may not be how your company does it.
The insurance company can bring in a restoration company. These companies are turn key. They can handle clean up and re-building. You don't have to use them, but it can really make things easy if you decide to use them. |
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mbrcatz
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Same answer for both questions: HE NEEDS TO WORK THROUGH HIS AGENT.
Start dragging out family photos, and making a list of everything you see in the pictures that burned. Or drag out your inventory videotape.
But the extra assistance should come from the agent and adjuster. The agent can handle any issues with the adjuster. |
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Steve S
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file the claim through the company, If he has and agent, the agent should be there to help answer and keep him informed as to the progress of whats going on. His policy should have coverage for additional living expense to cover a place to live and extra out of pocket expense because he doesn't have a kitchen. If he has photos of his belongs have them ready if not start trying to recall everything in is house room by room. I am a huge fan of having digital photos room by room stored away from home for this exact reason. You need to just be supportive as it sound you are an know that it will take a little time to get through the whole process. |
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