 What do u do about your credit after being hit in a car accident, I was walkin. bills are mounting until court |
| I have been off work since the accident. the insurance company isn't paying the medical bills fast and they are going to collection. Hurting my score!!! What can I do?... |
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 Laid Off but want to work temp jobs, Will I still get UI if I have no more temp work after a while? |
If I am laid off in October but obtain temp jobs for 3 months or so, if there are no longer assignments available, can I then apply for unemployment, or will it be too late?
I want to make ... |
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 My Daughter Lost Everything In Apartment Fire... What Else Can She Do? |
| She has just $3,000 in renter's insurance. The fire broke out on New Year's Eve, in Virginia Beach, while she was up here in NY home for the holidays. It was fault of a tenant, smoking ... |
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 How does homeowner's insurance cover belongings? ? |
Maybe this is a stupid question, but I'm new to this.
So my fiance and I bought our first home pretty recently. Yes, I'm a bad person and did not read through or understand ... |
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 Covered Auto or Mobile Equipment??? |
| If a client has a truck which no longer is licensed for road use, and is only used on the business property to move supplies, should this type of vehicle covered under the commercial auto policy, or ... |
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 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 ... |
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 Worker's Comp process and when do we need an attorney? |
I am a nurse, and work on the insurance side of medicine. I need advice from anyone who works in Worker’s Comp.
Not a lot or room so make it quick. 33 y/o f Rt. Radial nerve damage at ... |
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 What can landlords do to reduce risk of lawuit when renting to tenants with dogs? |
| I have some prospective tenants who have dogs, one of which is a Pitt bull. Even though these particular dogs may be gentle, the fear is that if they get out and injure someone, I, as the property ... |
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 Life Insurance Policy paid in full? |
Is it possible to purchase a million dollar life insurance policy, at the age of 22, in FULL for 60,000.00, and pay no premiums ever again?
Will the policy pay whenever I die? Even if I ... |
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 Why are Insurance company paying for underage girls to have babies ? |
| That should not be happenings then we as a whole have to pay more for insurance?Let the parents pay for the unwed babies not the insurance company?... |
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 Insurance premiums? |
| When an insurance premium (the amount you pay for each month) is higher, does it mean that plan has more coverage and is better?... |
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 Does anyone know what the letters (A,B,C,D,W,etc..)after medicare number means? |
| I need a list of the letters following medicare numbers and what they stand for.... |
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 Anybody here want to get screwed by an insurance company? |
| If you do, just get a policy with a Direct General Insurance! I would advise all consumers of the insurance industry to be very weary of this company, I have been advised by numerous persons in the ... |
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 How much does an ER vist cost w/ no insurance? |
| I went to the ER the other day. I was there for a few hours and only have an IV. I dont have insurance...how much do you think this will cost?... |
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Anthony B | How do Insurance Adjustors determine who is responsible for a shared fence? |
If you share a portion of fence with neighbors and there is damage. How does an Insurance Adjustor determine how much should be paid by whom? |
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Faye H
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In some subdivisions I've lived in, the builders put fences in ON THE PROPERTY LINE and it is a shared fence. Especially in developments with HOA's. I had one where I recall that it was specifically stated in the documents that fences between properties were the responsibility of the owners who's property it bordered so it is NOT true that fences are on one side or the other.
However, assuming that you have a fence that is actually shared by two houses and it is damaged by a covered peril on your homeowners policy, you'll pay half and your neighbor will pay half.
I never had one damaged that was covered by insurance. The one time we had to replace a section of fence, it was just getting old. We paid half and our neighbor behind us paid half. |
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MTR
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99% of the time Ms. Catz is correct, however in this instance she is not. Where I live, in hoas or not, shared fences are the standard. They are put there by the builder, and they are owned by both parties. If there is damage to the fence, both insurance companies pay 1/2, for a covered peril. If it's not a covered peril, both homeowners pay 1/2.
To prove my point, I am an insurance adjuster. We pay 1/2 on the property line. Also, when I had my fence redone this last year, the permits were pulled by the contractor, but all three of my surrounding neighbors had to agree, in writing, that they were willing to have the old fence replaced. Two of them contributed, the third did not have the money, but agreed to allow her 1/2 of the old fence to be taken down and replaced with a new one. |
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the need to know
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I dont think there is a such thing as a shared fence. The fence has to be on someones property. Normally whatever side the poles are on is not the owner. unless its a large privacy fence then you need to check the property line. Someone owns the fence. |
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Farm bred, grain fed, all natural
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Standing at the midway point of the fence facing the fence, the half to the left is the responsibility of the homeowner. If you stand on the other property, the same rule applies. |
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ramon1972pr
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mbrcatz is right. The Insurance Adjuster do not determine who is the owner of the fence. They consult the register of the property and that document show who is the real owner of the fence. |
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mbrcatz
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They don't. The LAW determines it. Fences, in most places, have to be on one side of the property line - they can't be ON the property line. So whoever's property it's on, THEY are responsible for it.
You might have to pull out a survey from when you bought the house. |
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