 If a life insurance company goes bankrupt, what happens to whole life insurance benefits? |
| My Dad purchased whole life insurance through AXA Equitable which is all paid for. What happens if the life insurance company goes bankrupt or their assets are under water like so many other ... |
|
 Im age 23. Would it be beneficial to me to buy a whole life policy? |
| The policy is participating and through a mutual insurance company (guardian Life). I figure after about 15 years of paying, the dividends could end up paying for the policy and id have it for the ... |
|
 Where do insurance companies get all the money? |
| How does an insurance company afford to pay out all that money on insurance claims?... |
|
 Who will they sue? I need help!? |
| Over the weekend my friend was visiting my apartment and she fell on one of the staircases. It was outside of my actual apartment in a common area. She wants to sue my apartment complex. I called ... |
|
 Car Insurance, i have paid my insurance in full. 5 months before end of my policy i have changed my car,? |
| i had nissan sunny 1993 1.4 auto and now i have peugeot 206 1.6 convertible auto. There is a big difference in price, how can i change my current policy without having to pay an arm and a leg for my ... |
|
 I am a uk citizen flying to the states to have a boob job, do i need to get health insurance? |
| i am flying to las vegas to have a boob job. i am a uk citizen so we don't have health insurance anyway but if anything was to go wrong after the operation and i had to go to hospital do i need ... |
|
 Which is Better for Me: Term or whole life Insurance? |
| 1'm 40 years old, have a 7 month old baby, my family annual in come is $80,000. thank you!... |
|
 Is there any legal obligation to buy total mortgage protection cover plan with halifax? |
| I am borrowing amount X as mortgage with halifax. however i do not want to buy any of their total mortgage protection cover plan which covers critical illness etc etc... i am a young fit gentleman ... |
|
 My health ins. paid for surgery after I was in a car accident. Will they want to be reimbursed when I settle? |
| My health insurance has forked out approximately $50,000 in the last few years. I'm just wondering if they can come after anything I get in a settlement. Need Help!!!... |
|
 Should I talk to the insurance adjuster or get an attorney? |
| I was recently in a car accident; a car ran a red light and hit me, totaled my car and I was taken to the ER. I have some substantial cuts and bruises, but no major or long-lingering injuries. The ... |
|
 How much would insurance be? |
I am a single parent with three kids....10, 5 and 4. No health issues. We live in Tennessee.
I am to start my own business from home and wanted to make sure I could afford insurance. I... |
|
 THE UK GALES - if my neighbour's tree is blown onto my house whose insurance has to pay? |
| they have a tree and every time there are strong winds I worry the bloody thing is going to come crashing down into my house - who's insurance will pay up, mine or theirs?... |
|
 Auto accident: better to haggle with insurance or get a lawyer? |
| The accident wasn't my fault, and I'm still waiting to hear if my car was totalled. I have some neck trauma. The other driver had insurance.... |
|
 Post nuptial vs. Life or accident Insurance policy? |
| Me and my husband just had a post nuptial agreement. My agreement is everything that he bought life insurance before and after our marriage either accident, term or family plan insurance for me that ... |
|
 Insurance Company dont want to pay for damages. The Person who hit my car had full coverage. What do I do? |
| My car was parked. A speeder hit my car and 3 other parked cars. My vehicle is has the worse damages in the rear back drivers side. The insurance company saying that they cant pay for the damages in ... |
|
 Five years ago I dropped a term life policy in favor of a universal life policy.Questions then, still have!? |
| At the fifth year the cash value will be just a little more than I have paid in. I bought this policy at the suggestion of my financial adviso. I am retired and do not need this much insurance. My ... |
|
|  |
nza6wa | Does insurance pay for damage to doors after thieves break in to residence to steal contents? |
my insurance has refused to pay damage to doors after thieves broke into my rented residential house.my landlord want them repaired at my cost. |
 |
 
dels replies
 |
Most household insurances are in two parts. There are two policies,one for contents and one for the building. When you own a property it is usual to have both. When renting the tenant insures the contents ,which you have done, but things like doors and windows would be covered by a buildings policy if there is one.The building should be insured by the landlord.If he has not taken out insurance to cover himself he is liable to pay the cost of repair. What would happen if the house burnt down. Your contents would be covered But would he want you to pay for a new house to be built? It is the same thing.only on a different scale. |
|
dances with unicorns
|
Your renter's insurance pays for what was stolen. Your LANDLORD's homeowner's insurance (or whatever insurance he has on the building) pays for damage to the structure. Sounds to me like he's trying to wiggle out of his responsibilities, probably so that he doesn't have to make a claim on HIS insurance, and have his rates increase. Your landlord is most likely obligated, by your rental/lease agreement, to maintain the property in habitable condition; unless you broke into your own home (yeah, I know - screwy idea...), he's responsible for fixing the door. |
|
oldguy
|
the landloard's insurance has to pay for the damage, not yours. your renter's insurance covers your property, not the landloard's . |
|
Jason S
 |
the Landlord is trying to get you to pay for the repairs to the door probably because his deductible on his policy is higher than the cost of the door and he does not want to pay out of his own pocket.
The bottom line is that the door is "permanently attached" to the building meaning that the Landlord is responsible for damage to it. If YOU had damaged the door it would be a different story. The Landlord needs to claim their insurance and leave you alone about this. Get YOUR insurance agent to explain it to him if he refuses to believe you. |
|
mark
|
It depends on the small print in your policy, but is sounds like yours doesn't cover them.
They are your responsibility, so you landlord is right to have them fixed (or replaced if necessary) and recharge you. There goes the deposit.... |
|
professorgriff321
|
Try your building insurance. Otherwise call your insurance company and ask to speak with the chief exec. don't allow yourself to be put through to anyone else - demand the chief exec - eventually they will put you through to the chief's complaint department - complain - don't get angry or swear, but make sure you stay on the phone until you get what you want - believe me they will resolve your problem to get you off the phone |
|
Gambit
|
What does your lease/rental agreement state? If your it says you are resposnible for all damages to the premises, then you would be liable and your tenant's policy should be paying this under tenant's legal liability. If the lease says you are responsible for all damages that you cause, then the landlord cannot demand that you get the door fixed unless he can somehow prove in court that you caused the damages. |
|
welcome news
 |
Your contents insurance policy will not cover the doors - that responsibility belongs to the insurance company that insures the property - presumably your landlord has a policy covering this eventuality (if not he is ****** stupid).
The problem is: there is probably a large excess on the policy so the damage may fall within the excess.
Whether you are responsible for the doors would depend on the terms of your lease, so I would have a close look at it. If you are responsible then often you can arrange for your interest to be noted on the buildings insurance policy. You may be able to claim from the landlord in that he is in breach of his duty of care to his tenant in failing to provide a property suitable for human habitation . . .
One further point - you may be in breach of your contents insurance company's wording if the door to your property is no longer secure - if so you won't be covered if theives come again. |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
7 | 11 minutes(s) ago
| | | |
8 | 22 minutes(s) ago
| | | |
8 | 55 minutes(s) ago
| | | |
8 | 1 hour(s) ago
| | | |
8 | 4 hour(s) ago
| | | |
8 | 9 hour(s) ago
| | | |
8 | 11 hour(s) ago
| | | |
8 | 2 day(s) ago
| | | |
6 | 4 day(s) ago
| | | |
8 | 1 week(s) ago
| |
|
Homepage 
Financial
Forum 
Insurance 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
