 How come my boyfriend pays so much more for health insurance than I do? |
| My boyfriend and I both just got full-time 40-hours-per-week 9-5 jobs. This is after 5 years of working in bars and restaurants while going to school. After I graduated we both got jobs and 3 months ... |
|
 Is a retired person unemployed? |
| An 89 year old retiree is NOT unemployed, but why? What would this person be considered?... |
|
 Perscription drug (lamictal) coverage and school? |
| I have been on lamictal for over a year. I am in grad school for PT (which means I have no money), and even hough I am still going to school, I am having a birthday next week that will make me too ... |
|
 Lawyer in Chattanooga, TN or North GA, property damaged in fire insurance won't pay.? |
| My neighbor was burning his ditch when it got out of control and burned about .5 of an acre of my land. It is overgrown with older hardwood trees, the chain-link fence is chared and I had an older ... |
|
 Very important ? about being on parents insurance while in school!? |
| So im attending community college and we go on Quarters here not semesters. Well i turned in my schedule in March during spring quarter as proof i was in school, well im faling one of my classes ... |
|
 Have insurance. No maternity coverage. Don't qualify for state medicaid. We want another baby but HOW? |
| My husband and I pay for private health insurance as it's not provided through employment. It does not cover any maternity costs at all. We make just over the amount to qualify for medicaid and I... |
|
 I want to sue my solicitor, could I find a solicitor to take my case on the basis no win no fee.? |
| I had a very bad divorce solicitor, who caused me a lot of financial loss and long term health damage. The Law Society deal with solicitors service level and do not deal with solicitor bad advice and ... |
|
 Health Insurance. Why do costs differ from state to state when the coverage and provider are the same? |
| We are a few years away from 65 and moving from Maryland to Florida. Costs for the same high deductable health coverage from our health provider will cost 5 times the amount we pay now. We are ... |
|
 Allstate Auto insurance? |
| I tried to pay my mom's car insurance today and it said that the account was terminated. How do i get the policy reinstated?... |
|
 What is the best way to list a non-family member as your benificiary on an insurance policy? |
| I live with a woman who is my best friend in a totally platonic relationship; we're like brother and sister. In fact I refer to her AS my sister and she calls me her brother. I have placed her ... |
|
 If you are hurt on the job and are covered by workman's comp. can you file a claim on the other insurance? |
| workmans comp. only pays 2/3rds of what you made. if you have two jobs that destroys (the injury)your other source of income. Can you file a claim against your employers insurance(not the workmans ... |
|
 How do i check to see if my insurance covers maternity? |
| I finally got my BFP test results and im insured (i think...i mean i am insured but don't know if it covers maternity). But now im starting to wonder if my dad's insurance on me covers ... |
|
 I am exploring the idea of becoming an adjuster. I am not really looking for a 9 to 5 job.? |
I would be interested in doing cat work, but when the catastrophe is over, just go home and do local work for the rest of the time.
As far as I can tell a Texas all lines license is preferable .<... |
|
 Insurers just want to refund my policy money as they wont settle my claim? |
| I recently claimed on insurance i took out on a suite, i bought insurance with sofa's, the 3 seater was too badly damaged to keep in the house so i had to put it outside, I told them this when i ... |
|
|  |
nadia g | Is the pool fence covered by home insurance? |
My swimming pool fence is only 3 years old and it is now full of rust because I live close to the ocean. It is literally disintegrating. I have house and contents insurance and am wondering, do insurance companies cover this type of damage? |
 |
 
Nate W
|
That's a good question. How do insurance companies determine what is covered and what isn't?
First of all, insurance is for "sudden and accidental loss". If the loss could have been foreseen and therefore avoided, its usually not covered. It also can not be intentional. I.E. stain on the carpet not covered. Lightning strike is covered. Many people have difficulty understanding the difference between a warranty and insurance.
Secondly, most HO policies nowadays will cover any sudden and accidental loss, unless that type of peril was specifically excluded from the policy. I.E. most policies now exclude acts of terrorism.
So with that in mind, your policy will not replace your fence because it was not sudden and accidental. I highly recommend taking a closer look at your policy to see what else is excluded. If any of those exclusions make you nervous, call your insurance agent. |
|
src50
|
That is wear and tear, not damage. You need to replace it with a more durable fence. |
|
Steve S
 |
Your fence is covered under the perils of the policy. There has to be a precise time that the loss happened. Because rust comes over time. It is considered maintenance and therefore would not be covered under your homeowners policy. Sorry. Talk to the people that installed it maybe they had a warranty. Good Luck |
|
C
|
The fence itself IS covered under the peril "separate structures" of your homeowners policy, however, only under accident fire/hazard occurrences, not wear/tear issues.
If there is something that has rust, its because of wear/tear, where it can be prevented. This will unfortunately NOT be covered. |
|
Sue
|
No sorry, that is considered wear & tear & no covered by insurance. There is a specific exclusion for rust, corrosion, etc in your policy. |
|
LISA B
 |
based upon your situation,I think you should find something useful here http://www.InsuranceFreeTip.info/insurance-for-free.htm .
|
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
6 | 27 minutes(s) ago
| | | |
5 | 44 minutes(s) ago
| | | |
6 | 2 hour(s) ago
| | | |
6 | 3 hour(s) ago
| | | |
6 | 4 hour(s) ago
| | | |
6 | 6 hour(s) ago
| | | |
6 | 8 hour(s) ago
| | | |
6 | 11 hour(s) ago
| | | |
6 | 1 day(s) ago
| | | |
6 | 3 day(s) ago
| |
|
Homepage 
Financial
Forum 
Insurance 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
