 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 ... |
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 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?... |
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 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?... |
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 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 ... |
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 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 ... |
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 I want to buy health insurance .kindly advice ? |
| I am looking to by individual policy i am aged 32 ... |
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 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.... |
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 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... |
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 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 ... |
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 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 ... |
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 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 ... |
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| 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?... |
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 Which of two Life Insurance Policys should I keep; which to discard? |
I currently hold two life insurance policies on myself. They are both for the same amount, here are the differences:
Policy #1 costs $68 per month.
It is WHOLE Life, 20 yrs, with C... |
|
 What is an umbrella auto insurance policy? |
| I'm 19 and still live at home. Are my parents still, in any way, liable for my actions? How would this determine whether or not I should get an umbrella? Are umbrellas cheaper? I really don'... |
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 Does this seem like a fair settlement? |
Were rear-ended in our car past April (almost totaled the car).
Daughter (16 @ time) and I had whip-lash plus I had a compressed nerve (tingling both hands).
Started chiropractor & ... |
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 If my neighbor has a wood stove fire and it burns down her house and mine and kills someone in my house in the |
process and she has let her insurance lapse, who pays for the wrongful death in my home? Would it be my liability coverage?
Additional Details
Biker, I might have a liability condition. ... |
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 Can i getback my stolen things? |
| I have lost everything in a house robbery, can i get these things back?... |
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 Visitors in USA - no medical insurance? |
I have my parents visiting me from abroad and my father needs to go see a Doctor immediately for Heart Condition.
He does not have any insurance in US. What can we do? Are the hospitals OBLIGED ... |
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Ralph | Is sump pump failure and related damage covered by most homeowner’s insurance? |
Is sump pump failure and related damage covered by most homeowner’s insurance and do I have to wait for the assessor or can I repair the pump and start getting the water and damage dried out... |
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mbrcatz
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Sump pump is mechanical breakdown - the damage to the pump itself is not covered.
Water damage would be covered, IF you have "backup of sewers and drains", most of the time. FLOOD is not covered - the water has to back up for it to be covered.
Don't wait for the assessor!! Call the plumber NOW and get this going again.. . . BUT SAVE ALL THE PARTS. Don't let anyone throw anything out. |
|
lyyman
 |
I hope you're not going through the same crap we're going through now. It seems that after the basement flooded to over a foot, there's only enough money to pay the insurance company's clean up cost which is about $5000 US. Nothing for what we lost. The dumpster we filled almost reaches the frigging road. Screw the these so-called insurance companies. The one that is on the very bottom of my list is Allstate. My advice is to have nothing to do with less than reputable scamsters. Does any one wish to recommend a good insurance company? Better luck than I had! |
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davie j
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If you have Allstate like I do you had better hire an attorney so you can fight them to get anything out of them! They SUCK! I think its time for a change and I've been with them since forever! |
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fighting saints
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This type of claim often turns ugly and I'm not just talking about the damage that the water causes. Mbrcatz17 is correct, you need to have the proper coverage endorsement in order for this to be covered. Some policies offer coverage of $1000 and most offer $5000.
I would suggest replacing the pump, not repairing it. These things wear out and need to be replaced. I replace mine every 5 years (but. I'm an insurance adjuster so I'm not normal) so I can help avoid these types of situations.
No matter if you repair or replace the sump pump do NOT let anybody take it or throw it away. If the pump is not real old and it failed you and your insurance company may have a claim against the manufacturer for a defective product. You can NOT make a claim if the old pump is thrown out taken away by the plumber.
Most people assume that ANYTHING that happens is covered by their insurance policy, it is NOT. Changing insurance companies is not going to get this type of claim covered unless you buy the proper coverage endorsement. The policies that the insurance companies sell you are approved by your State. So, if you want to be angry at somebody start with your state legislature.
In the meantime, talk to a trusted plumber about what options you have for a secondary sump pump system to avoid this type of misery in the future. Yes, a secondary system is expensive but it cost less than losing everything in a finished basement.
Good Luck. |
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nithya s
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hi check this link its good
http://insuranceadviceforyou.blogspot.com/
. |
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ernesto_tig
 |
Take some pictures and start cleaning/fixing.
mbrcatz1 is on it (as usual) and fightingsaints is also correct, water backup has to be endorsed and usually limits damages to $5000 unless insurers can subrogate (make someone else pay).
After replacing the primary sump, you can add a battery powered back-up unit for around $200 + installation. Make sure the drainage for your secondary unit goes somewhere else than your primary (in case excess water in drainage lines causes primary to fail). Also the battery will help protect in the event of a power failure.
When I worked for Farmers insurance they offered optional water backup up to personal policy limits (75% of property coverage). Sentry Insurance offered $10,000 on their Supreme policies. Of course, now that you've had a water claim, good luck getting anyone to take you or offer the coverage.
Sorry for your loss. |
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socw20
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Yes, it should be. |
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Insurance Help
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it should be, but depending on the clauses on your insurance policy. |
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