 High deductible, low premium? |
hello,
can someone please explain insurance terminology?
what does high deductible mean? who should get this and who SHOULDN'T? i am trying to help my parents by purchasing insurance ... |
|
 What does a person do when they cant afford medical insurance? |
| My husband is self employed and we cant afford medical insurance......we dont qualify for medicaid .....i had to go to the ER and the doc said i need a hystorectomy.... costing ALOT of bucks......so ... |
|
 How can I stop the computerized sales calls about any kind of insurance? |
| Several times each week, I find messages on my answering machine trying to sell me health insurance or warantee packages for my car or ways to lower my credit card balance. How can I get this to STOP... |
|
 Why is it that some small companies don't offer health insurance for employees? |
| I work for a successful company but there is only 6 employees in it. Our company doesn't offer any health insurance benefits. why?... |
|
 What's required of me to start a business in Insurance? |
I'd like to start a business offering car insurance, but I don't know a great deal about the industry and how it works. Are there any special requirements in order to offer insurance?
<... |
|
 Why are insurance companies allowed to take information like sex and age into account? |
| Okay, I am pittyfully unknowledgable about insurance, but it seems like one of the few areas where a company is allowed to descriminate (for want of a better word) based on information like age and ... |
|
 Need health Insurance in Illinois, unemployed with preexisting medical condition? |
| need medical coverage asap, have preexisting medical condition, does anybody know if BCBS has a plan or if any plans available through state, or how to apply for public aide. need help welcome your ... |
|
 How can I get remibursed for psychic readings/spirtiual help? |
| Am I able to get a tax break on psychic readings or fight with my insurance (work insurance) for a remibursement for some of my expenses on spiritual help via psychics?... |
|
 Where can I shop for health insurance? |
| I need to purchase health insurance for my family. Where do I go or who should I call?... |
|
 What will happen to my money if any private insurance company bankrupts in india.Will IRDA pay my money? |
| If any private insurance company bankrupts Then whether IRDA will pay the money.This can be possible company is showing false solvency rate for a long time.The solvency rate the company maintains ... |
|
 My insurance coverage (through father) ends in 2 weeks. I need insurance and have an existing condition.? |
| I think it is going to be hard and expensive to get covered for health insurance with an pre-existing condition. I looked into Cobra and found that they do not need to cover people with existing ... |
|
 I want to buy health insurance .kindly advice ? |
| I am looking to by individual policy i am aged 32 ... |
|
 Who offers the cheapest health insurance in the US? ? |
| I currently have Blue Cross Blue Shield but I am sure there are more reasonable health insurance package out there.... |
|
| Did you know your insurance company can decide not to pay your claim? |
| You pay for insurance today but never see what was promised until the day there is a claim. You trust the insurance company. But what if it decides to pay less than the claim, or none of the claim? D... |
|
 Health insurance for 1 person? |
| I am considering getting a job that does not have health insurance benefits, however they are willing to pay a little bit more so I could get my own. I was wondering what is the cheapest (but best ... |
|
 Question about arson and insurance fraud? |
Ok,
I have began investing in real estate. I was speaking to another investor at a REI club and he told me something that shocked me completely. He said that he bought a house for $5000. It was ... |
|
 My mom recently passed and DID NOT name a beneficiary.? |
| Her husband cannot be located, He has been gone about a year. Can the children collect as the next beneficiary. In fact Mom indicated in her will what she wanted the children to do with the ... |
|
| Do you have to be married to be the beneficiary on a life insurance policy? |
| Does the person listed as beneficiary on a life insurance policy have to be related by blood or marriage?... |
|
|  |
J R | Is plumbing failure covered by home insurance? |
pipes under the house are broken th the sewer lined requires breaking up the floor of basement and lavoratory to fix |
 |
 
MSAD
|
Wear and tear is not covered.
However, resulting water damage may be (depending on the policy form you have).
for example: the hot water heater rusts out....water floods the house damaging the hard wood floor. The policy does not pay for the water heater. But it will pay for the resulting damage to the hard wood floors.
Some policies may not pay for the damage to the pipe but may pay for the access to the pipe.
It all depends on the language in your policy. They only way to know is to turn in a claim. At best the policy will help with the loss but will probably not pay for it all.
However, you have to turn the claim in before the work is done. The policy says the insurance company has the right to inspect the damage. |
|
Josh
 |
You need to check your policy to see instead of just listening to people on here just say "no" when they dont know what they are talking about. It is very possible that you could be covered, but this is usually at an additional cost so if you just have the bare bones coverage you may not be. Give your insurance company a call or pull out your policy and have a look at it to see. |
|
INS CSR-L.A. County
|
Under most insurance policies, the damage to the structure to get to the pipes is covered. However, maintenance to the pipes is not. So if you have to distroy your floor to reach them, that is an insurable claim. But having the plumber replace the pipes is not. |
|
mbrcatz
|
Well, there are a lot of little questions to ask.
Like, how did the pipes break? What kind of homeowners policy do you have? What are the exclusions? On a standard HO3 form, the cost to dig through the basement floor to get to a pipe directly under the house is covered.
Breaking through walls to get to a pipe, is covered, if the pipe burst is sudden & accidental.
Digging through your driveway to get to the outside pipe, is NOT covered. Digging up your yard, is NOT covered. Tree roots in the pipe, are NOT covered. Damage to the pipe itself, NOT COVERED.
Some policies won't be as broad, and won't cover digging through the floors or walls to get to a pipe.
You're really going to need to talk to your agent to get case specific info. |
|
knowyouragent.net administrator
 |
Honestly this question depends on the actual policy language in your policy. The best person to answer this is going to be someone in claims at your insurance company. In most cases, water damage has to be "sudden and accidental" as opposed to something which has happened over time. Now it also depends on exactly what the root of the problem as to how the line broke to begin with. You will want to call your agent or claims department and ask questions, before filing a claim. Here is an article which walks you through the claims process on a homeowners policy should you happen to need it. http://www.knowyouragent.net/HowDoIFileAHomeownersClaim.htm |
|
americanfreeman
|
Insurance does NOT cover that.
It has to be a sudden incident that causes the lose.
Wear and tear or defects in workmanship are not insured. |
|
sobhihazzouri
|
NO |
|
dantrumble1974
 |
Actually, your insurance will probably cover that providing that the pipes that are broken are ON YOUR PROPERTY and the the "county's pipes". Call you insurance agent. |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
8 | 20 minutes(s) ago
| | | |
8 | 56 minutes(s) ago
| | | |
8 | 3 hour(s) ago
| | | |
8 | 5 hour(s) ago
| | | |
7 | 9 hour(s) ago
| | | |
8 | 11 hour(s) ago
| | | |
8 | 1 day(s) ago
| | | |
8 | 4 day(s) ago
| | | |
8 | 1 week(s) ago
| | | |
8 | 1 month(s) ago
| |
|
Homepage 
Financial
Forum 
Insurance 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
