 Life Insurance.........? |
| I want to get a life insurance policy and would like to know more about what type to get. Just want a policy that will pay out if I die (car accident,cancer,illness,etc etc) and not really one that ... |
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 What would be YOUR plan to resolve the health care problem in the U.S.?? |
| It seems to me that every medical procedure that IS NOT covered under insurance has a price tag that has plummeted. Examples are Lasik, or RK surgery, plastic surgery, implants.... I remember when ... |
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 If a person dies suddenly, who is responsible for their debts? |
Additional Details
I have a life insurance policy that will cover my funeral expences. A small loan I have has life insurance. I was wondering if my life insurance policy would pay off ... |
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 My husband has recently died and the insurance company that he paid in for his pension...? |
| has asked for a year's payment back. He was paid yearly - in arrears - and a payment was made 8 days after he died. I worked out that the repayment was £15 (for the 8 days overpayment) and ... |
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 If you have fully comprehensive car insurance are you covered for third party on other vehicles? |
| For example if I was insured on one car fully comprehensive and wanted to drive another not on the policy, is the driver covered with third party insurance? If the other car owner has gave permission ... |
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 Is it a good idea to combine my car insurance with home owners insurance? |
| With Farmers Insurance? Is there a catch to it, since it sounds too good to be true. My old policy is only liability and covers around $15,000 per accidents, (monthly is $43.00). The new policy ... |
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 Do you pay taxes on a Life Insurance payout? |
| my father died and my mother will be seeing her tax person. Will she be paying taxes on the money she collected from my dads life insurance?... |
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 I'm driving uninsured. We can't afford our vehicle insurance. Is it nuts to drive out of town? |
| Please settle an argument between my husband and I. We drive in our town back and forth to work, and I feel ok with that. I want to rent a car tonight because we have to go to an interview. It'... |
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 How does someone without insurace seek treatment for an injury? |
| A friend of mine injured her knee in a fall three weeks ago, and it's still in really bad shape. She went to an urgent-care facility, where they took X-rays. Unfortunately, these were ... |
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 Have u heard of Primerica? |
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Additional Details
I was just wondering. I was offered a job there and was wondering if its a good way to go? seems all to good to be true. set my own days and hours. and i can get ... |
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 I just bought a condo. Do I need homeowners or renters insurance? Who do you recommend I use? |
I'm looking for something cheap since I'm just out of college. The exterior of the building is already covered. I guess all I have to worry about is fire and theft on the interior.
A... |
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 What is the difference between term life and whole life and what is better to buy? |
| I would like to buy insurance for myself but what is best. term Life or Whole life and what is the different.... |
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 Life Insurance? |
Trying to figure out what kind of Life Insurance to get.
I'm a soon-to-be mother, not married, but with the baby's father & a possibility of marriage within the next couple ... |
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 Does car insurance go down after you pay the car off? |
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I bought it used, it's a 2000, blue book value is about $6K
What do you think?... |
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| Medical advances has led to an increase in life expectancy......? |
surely that means that life insurance premiums will be dropping, doesn't it?
Additional Details
No, life expectancy increases for all ... |
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 Does normal house insurance cover a damaged mobile phone? |
| my phone got water inside and now the screen is discoloured and not all the buttons function is it covered by the house ... |
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 Can i claim on insurance? |
| After the terrible wind we had on thursday i noticed a big crack in my daughters bedroom window. Can i claim on my insurance for this? If so which one building or household?... |
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 Does homeowhers insurance cover theft.? |
| my car was stolen from my driveway while i was home and asleep.... |
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Ryan T | If a person had homeowners insurance before hurricane katrina and their house was destroyed, is it covered? |
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westfield47130
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The recent controversy is the root of many complaints logged against the insurance companies. The claims adjuster has a tw-fold responsibility...to you and the company tey work for and I bet you can guess who comes first.
The answer is yes and no. If they wrote up the damage as wind damage you're covered. If they wrote up the damage as a result of flooding waters, there is limited coverage...usually equal to the amount of sump/sewage coverage you have which is generally 5000. You'll want to check your policy.
Keep in mind, your state has a consumer complaint division and an insurance regulating agency. Ask questions, and don't accept just any old answer. If all else fails, contact an attorney to work in your behalf...
Remember...the insurance industry is the most proftable industry in the world. How do you think they got that way? Not by being fair...
I recommend having a contractor or two evaluate your property to determine the cause of the damage. Get several evaluations if necessary. The insurance companies generaly want proof. To fight them you'll need all the amo you can get...
Good luck! |
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sondra j
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It depends. Most homeowners insurance does NOT cover what is known as "acts of God". If you had an insurance policy that did cover "acts of God" then it would be covered. Otherwise probably not.
"acts of God" refers to any natural, unexpected disaster such lightning fire, flash floods, tornodos, hurricanes, mansoons, earthquakes, etc. Though many home owners insurance might cover floods, this is not necessarily an "acts of god" coverage. |
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son-shine
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I believe they were only covered if they carried flood insurance. |
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lyn
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YES THEY SHOULD OF BEEN COVERED BUT IT SEEMS LIKE THE INSURANCE COMPANIES ARE ONLY GIVING OUT SMALL AMOUNTS TO THE FAMILIES. IT'S NOT FAIR WHEN YOU PAY IN ALL THOSE YEARS AND THEN WHEN YOU NEED IT IT'S NOT ALL THERE. |
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sophieb
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depends ....the insurance companies and home owners are having difficulty determining the difference between "wind" and "flood" damage and that's not only the holdup but also is why the increase in the cost of insurances. Usually people have wind coverage to get their mortgage, but not all people involved in Katrina had flood insurance.
I understand people are moving back into the affected areas but very few...and the cost of those houses are increasing, and so next time around the cost to repair the damage will be even more costly, and the insurance companies know just by the lay of the land that New Orleans is still sinking and will always be a prone area for floods, so it's become a real problem. |
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whozethere
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Not from water damage . . . I believe flooding in particular. |
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dobrinski2003
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It could be a legal question the courts have been trying to decide. It depends on a lot of factors and the case law in your particular state. Some have ruled flood isnt covered at all, just wind damage. Some have ruled wind driven water is covered. Some companies have stopped writing wind coverage too. A lot of variables that cant be answered without your specific information |
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brennaboo
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HA! Not if your house was in a no flood zone and ended up getting flooded. A$$holes. |
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Saucerful of Secrets [Team TFZ]
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Unless it was damaged by wind...
It's amazing that a Category 4 storm had no wind... at least according to the insurance companies :P
The other thing was if it had flood insurance. |
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bull
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..nationwide is on your side JUST won a lawsuit, and they are not responsible for the insurer damage,the poor people lose again....because of water damage .......not wind damage which is covered.......how many millons of dollars have they saved........NATIONWIDE IS ON THERE SIDE................. |
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Willy
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Depends what was covered in the policy! Any homes in the area where hurricane katrina struck the cost of the insurance would be a lot more!
http://www.total-knowledge.com/~willyblues/ |
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mbrcatz
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Depends on how it was destroyed, and the type of policy. FLOOD (ie, water coming up from the ground) is NOT covered under a homeowners policy. Wind *IS* covered under most homeowners policies. Some people buy "fire only" policies, though, that cover only, surprisingly, fires.
So, the answer is, depends on the policy, and depends on what destroyed the home. It also depends on if the policy was the appropriate kind for the occupancy - ie, a "homeowners" policy means the owner lives in it. |
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frr_ls
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You got a couple of issues here. The home would have been covered from the hurricane if you had windstorm coverage on your policy. However, if your home flooded and flood doesn't mean the roof flew off and it rained in your house, flood means rising water. Unless you had flood insurance, you are not covered and its a damn shame. |
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Angela
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If they were uninsured for flooding, no.
I am uncertain about hurricane insurance issues because the hurricane did not do as much of the property destruction as the rising waters due to the levees breaking did.
It depends upon the spin the insurance companies put on the cause of the individual homeowner's damage. |
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