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 Can insurance companies legally require you to give them your social security number?
Need ASAP, T...


 If you pay into social security your whole life , and then when you turn 65 you get hit by a bus and die..?
who gets all your money?...


 Will i have to worry about my healthcare insurance covering the cost of cancer treatments?
It is a group insurance acquired through my employer....


 Life insurance and scuba diving?
I want to take out a life insurance policy, and I understand they ask you about scuba diving. I haven't been diving in a few years, but I am certain that I will go again at some point, although ...


 What is the California age limit to disalow dependent on our insurance?
Our son is in college still and our insurance kicked him off. He now has to have open heart surgery. We have gotten him some insurance but it doesn't cover everything like ours did....


 Life insurance?
is there a reputable company that you trust for life insurance. Does anybody have life insurance and does it really work as far as paying it to your benefiiciaries in case of your death?
any ...


 I live in Florida. Can I get renters insurance to protect my things if I live with my parents?
I should add that I'm not a student and 24 years old....


 Starting car hire business insurance required or can private personal policeys be used ?
need inf or does anyone have any good sugestions as this is a new venture !...


 Will I qualify for Unemployment Insurance?
Currently living in California but my husband will be transferring thru work out of state. Will I qualify for unemployment if I am unable to stay at my current job? Would I file in California or in ...


 I have had recent damage to my home but I cant find a contractor to do the work?
I had water damage to my home back in january. I turned in a claim to my insurance company and starting calling contractors for estimates. In the meantime the insurance company had an adjuster come ...


 Does having 2 medical insurances help ?
I have my own medical insurance through my employer, plus I am also covered under my husband's medical insurance through his employer. Does it help to be covered under 2 such insurances ? Or ...


 Insurance advice for 18 year old?
im 18 and im moving out and i need my own auto insurance. all the quotes i got are like 300$ a month and thats with hardly any coverage at all. wtf is the point of insurance its just like flushing ...


 Can I get cash instead of repairs for my car insurance claim?
The damage to the car is from hail and I have already received an appraisal but I would like to know if I can get a check from my insurance company instead of getting the repairs done. Basically, do ...


 Is it true that if I'm on workers comp I can not touch my 401?
I was told that I could not take any money out from my 401 untill I came back to work. I just had surgery for the second time, and I dont think I'll be going back to work any time soon. The ...


 Insurance claim question?
I turned a claim in right after Ike in the middle of September,the insurance adjuster already came by 2 months ago but yet still my insurance company has not put anything together yet.
My ...


 Need health insurance policy for my parents aged 60 and 53.?
What do you suggest? How is reliance healthwise? Has anyone made a claim? How is the process?...


 Where can I get Affordable Life Insurance?
...


 Health Insurance for my mother in law(senior person)?
I need your help regarding the insurance coverage. Here is my story?
My mother in law works at a grocery retailer and gets medical insurance coverage from the employer. She wants to quit because ...


 Can i drop my insurance...?
if i just signed up with them like 1 day ago?
i think i want to go with a different insurance i have AIG now and heard a couple of bad things about them. anyone have any expericence with them?...


 Which company has the best renters insurance in terms of service and price?
I'm looking for a renters insurance company that is not expensive and has knowledgeable and cordial employees. Is not eager to deny claims and has an extensive policy.

If you found ...



sassy girl
How can insurance companies be allowed to screw people?
My mistake was making a phone call to my insurance company to make a claim. We had a bad storm and it rained in my house, well the carpet got wet and the water leaked down the wall in my bedroom between the wallpaper and sheetrock down to the floor. We had a contractor come in and give us and estimate for our insurance company per their request. Well we got turned down on the claim because we were not covered for wind driven rain damage. However, we were covered for wind storm damage and rain damage but not wind driven rain damage. We decided to try and find another insurance company, because our current company doubled our insurance because of the huricanes that hit in '05 and because of the claims, so now we cannot get insurance anywhere else because no one wants to accept us because we made a claim on the "wind driven rain" which, need I remind you, we didnt even get paid for. They should at least give everyone a complimentary jar of vaseline and preparation-H.
Additional Details
For those who are unclear ex. dum drago. I didn't make a claim for huricane damage. They raised my rates to help those who had damage from the huricanes, who did not have insurance. The claim I made was a few months ago. My damage had nothing to do with a huricane. Furthurmore, I did not pursue anything, yet. And why do people have to respond to other people's questions and be a total D***. Please do not respond if your just gonna be ugly.
                     
 




Melissa
You must contact your state's insurance commission and file a complaint. They can help you! Insurance is heavily regulated by both state and federal law. As a consumer, you have the right to have all valid claims paid. You can also contact your state's attorney general's office - they have people who help consumers mediate issues with businesses in their state. If they can't mediate for you, they can at least explain to you why this decision was fair.

If these two avenues fail, you can hire an attorney. I would do this as a last resort because plaintiff's attorney's make their money dragging these things out. It might eventually get done, but it will cost you in legal fees.

Good luck!


mbrcatz
Rating
You need to talk to your agent, both to talk about your current coverage (and your lack of wind coverage - which in some states like TX and FL is a seperate policy), and to find a new carrier to cover you.

If your current agent isn't up to the task, you need to find a new agent. I'd suggest searching here: www.iiaa.org

And don't skimp on listening to the new agent - what's covered, what's not, and what they recommend.


fth106
Rating
Many coastal areas exclude wind damage from the standard homeowners policy and make it available in a separate policy. If you live in one of those areas, then the decision by your insurance company was correct. You still could have avenues of recovery that a good attorney could help you with.

New coverage could be hard to find due to the increased risk of mold and mildew in a home that has had water damage. If all else fails, new coverage is generally available through a state insurance pool.


Me
Get your clue report http://www.choicetrust.com/servlet/com.kx.cs.servlets.CsServlet?usertype=c
and try to get that claim changed on your Clue Report (you may have to get a clue report for your physical address), if you can't, you can add a note on your Clue Report about what happened (Clue report is what insurers use to check your claim history), so insurance companies understand. You can also call your prior insurance company, and file a complaint, then call your state insurance department and file a complaint, and then ask what recourse you have from there. The insurance state department loves to fine insurance companies, if you give them a good reason why. That sounds silly. "wind driven rain". If you had wind and you had rain, I would think it should be covered.


dm_dragons
Rating
I think you need to get a mirror out and take a good long look at yourself. Being in a hurricane region it was important for you to ask questions, lots of questions before you bought.

This is further evidenced by dropping your current coverage before you moved to a new company.

I sense a pattern here and it is not the insurance company.

To be fair to you, I wouldn't take the first answer they gave me lying down. I assume you fought them, called your local ombudsman, made a pest of yourself? If you still got declined then it was probably correct and you have learned a couple of important lessons. It's called life.


googie
Rating
You have a couple of problems which should be directed to the Commissioner of Insurance in your state. After the disasterous hurricanes of a couple of years ago, many companies restricted payments and weaseled out of payments by claiming damages were caused by conditions other than those covered by the policies. See what the Commissioner says and name the company since they may have complaints from many other policy holders.


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