 I got in a near fatal accident. I broke my back in three places, bruised my brain, and fractured my skull.? |
| I was notdriving I was in the passenger seat. My stupid cousin was drivin too fast and she hit gravel then the car spun out. Then rolled over a bunch of times then finally hit a cement embankment. N... |
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 Can a 14 year old work as an estate agent? |
| or what other jobs are there, i need two thousand ... |
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 My water heater broke on sat and on sunday statefarm told us to go ahead and have it repaired? |
| okay, on sat our water heat broke- water was boiling out of the top and my laundry room was flooded and my floor was flooded with about 2 inches of water. we called them and they told us what our ... |
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 Do you believe in having life insurance? If so, do you have life insurance? |
I have a friend who sells insurance so I wanted to ask you guys...
1.) Do you have life insurance?
2.) If not, why have you NOT purchased life insurance?
3.) If you HAVE purchased life ... |
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 Why do I need life insurance? |
| If I don't have any kids?... |
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 Please suggest a LIC or SBI policy as per the following requirement? |
I want to take 6 polices with p.a. premium of 40,000 each (total 240,000), maturing one-by-one at 20,25,30,35,40,45 years from now onwards. I am presently 30.
Requirement is 'Whole life C... |
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 Where can I get decent health insurance for 5 months? |
| I'm going to be working a job that doesn't give health insurance. I'm a pretty healthy guy and I don't need to go to the doctor much. I don't know much about this stuff. W... |
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 Can a home insurance company increase the amount of insurance on your house without your request? |
| Of course when the amount of insurance in increased, the insurance premium also increases. I have only $125,000 left on the mortgage and insurance company has increased the insurance to cover a ... |
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 Life Insurance? |
| If I sign up for term life insurance $75,000 for 30 years, and I die in lets say 5-10 years would my family receive the $75,000 or would they receive whatever I paid into the insurance?... |
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 Pregnancy as a preexisitng condition? |
| My sister-in-law is pregnant. She does not presently have any health insurance. Firstly, is pregnancy considered a preexisitng condition? Secondly, if so, would she be able to get individual ... |
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 When someone says "base salary" is that before or after taxes? |
| I'm trying to do my benefits for work and trying to figure out supplemental life insurance and it asks for base salary.... I just need to know if that is before or after ... |
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 Can I collect Social Security Disabilty for Nintendo Thumb? |
| As a youth I played way to much Nintendo. I was fat and the school nurse said I needed a bra.... |
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 What happens when one can no longer make decisions due to illness? |
| My grandfather is dying of severe Kidney Failure and enlarged heart. He does not want treatment. I am not Power of Attorney because he feels he looses all control, but when he passes away I am ... |
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 If you have Alien Abduction insurance how do you prove you got Abducted by an Alien if it happens? |
Additional Details
I have this up cause there really is such thing as such an insurance policy which is deemed a useless one at best considering that assuming someone really did get ... |
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 What chance do I have suing a large insurance company? |
| Thank you for your answers yesterday and after shopping around Other companies offer the same coverage if not more for 1/3 of what I'm paying now. I took over the house when my Mom passed and ... |
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 Claim insurance for cigarette burn on leather sofa...? |
I have home insurance up to £5000, i cant see anything in the insurance that specifically covers cigarette burns......
I also can't remember how the burn got there! Not a big burn , ... |
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michelle n | Is food spoilage caused by no electricity covered under homeowners ins? |
My electricy has been over a little over 24 hrs. Is food spoilage covered by this covered by my homeowners insurance? |
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Tori
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If the power outage was from a "covered peril" such as....
Windstorm, lightning etc. |
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Queen B
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if you have this endorsement on your policy it will and usually without deductible. call your agent or company to find out if you have it |
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dantrumble1974
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Typically, the value of your spoiled food will be LESS than your deductable- I would think. I mean, who keeps $500-$1000 worth of parishible food in the fridge/Freezer? In any event, it MIGHT be but probably not worth persuing. |
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Lee N
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Excellent question for your insurance company. If you have an active claim (for other damage) ask about this item. If you don't, call the local claims office and ask them about this. Your agent can be helpful as well. Now for the generalities: Food spoliage is generally covered if the cause of the power interruption is from an ON PREMISES interruption. Example, wind knocks down tree which damages your meter or service panel. If the interruption is from OFF PREMISES interruption (out to an entire area), it is generally not covered. Some carriers write expanded or premier endorsements that may add some coverage back in the latter case, and/or increase the coverage in the first case. Again, inquire with your agent and/or carrier to know for sure. If they will cover it, ask them what they would like you to do (can you shoot some digital photos and make an inventory, rather than keeping the stinky spoiled food around if it will take them a few days/weeks to inspect?) Good luck. |
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bud68
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It may be, but they will probably tell you to file a claim with the electric utility first. You might also examine what your policy deductible is. |
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Brian A
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You should read your insurance policy or call them to find out for sure. |
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mbrcatz
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Not on the standard policy. Don't forget, you also have a deductible. It IS, however, written into quite a few enhancement endorsements - which you may or may not have. When it's written into an enhancement, usually the deductible is much lower for that coverage (refrigerated food spoilage coverage), or flat out waived.
Bottom line - you have to ask your agent. |
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patsworth
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Possibly - It may be covered if the cause of the outage is a covered peril under your policy (ie storm, fire, etc). Check with your agent to be sure. |
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anaise
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With some policies, yes. But its wise to keep up with your policy to know these things because your carriers policy may not be one. |
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