 I'm a single mom trying to write a will.? |
| Who do I make the life insurance policy out to in order to establish a trust for my child?... |
|
 Car insurance policies? |
| i have just bought a car and i was going to start a policy with my dad as the main driver who already has another policy with another company with 10 years no claims. (on a seperate car). If i put ... |
|
 Does anyone know anything about peopole taking out insurance policies in second life? |
does anyone know anything about peopletaking out insurance policies in second life?
are there companies selling insurance?
has anyone taken out an insurance policy in second life? if so to ... |
|
 Will Medicare pay for a relative to take care of a parent after surgery? |
My mother is having a operation done on her spine and I was wondering if Medicare will pay for me to take care of her, while she is recuperating.
If so, how do I go about getting the paper so I ... |
|
 Which car should I buy? |
| If anyone has an idea of which car should I buy for a middle price. Thanks in advance.... |
|
 My moms life insurance policy beneficiary? |
| So my mom just passed away in a horrible car accident and her husband is the beneficiary but they had been split up for 2 months and she had told us that she wanted the money split between the ... |
|
 Can a hospital deny you of treatment if you don't have insurance? |
| My boyfriend desperately needs to seee a doctor for his severe headaches, he makes to much money to be on access and because he is a LEGAL american and he does not have insurance yet, I am afraid a ... |
|
 Why is universal health care unavailable in the USA? With so many ppl w/o insurance. why not? |
Additional Details
Why is it that our "sister" country/allies hasve universal health care available?... |
|
 Car insurance under my mother's policy? |
| if I get insured under my mothers policy will it cost less, I am only 18 and I have just bought a new car which is too expensive to insure under my own policy. If I crash will she lose her no claims?... |
|
 19 dont have a license? |
| if yoiu knew someoen like that would you think thats kind of odd?... |
|
 Is it possible to get a refund if i tore off the tags? |
Additional Details
It was an accident but hopefully they will understand that to.... |
|
 Which medical insurance, besides kaiser? |
| kaiser is just too expensive. are there any medical insurance providers that has almost the same benefits as kaiser, but less costly?... |
|
 Health insurance problem: not a full-time college student. Help me? |
| I am currently a part-time college student (only 9 credit unit) and happily taking my courses. In the middle of my semester, my dad suddenly called me that he needed a transcript to show proof that I&... |
|
 GEICO auto insurance???? |
| does anyone have this company.....???? how are they.?... |
|
 Do Copays with health insurance get reported back to the primary holder? |
| I bought some prescriptions that I didnt want the primary insurance holder to find out about so I told the pharmacy not to run my insurance card... but for some reason the idiot did. So I was ... |
|
|  |
William L | Is there insurance to cover foundation damage caused by natural settling of the soil? |
I am looking to purchase insurance to cover my slab foundation from the natural settling of the soil around my home.
Additional Details
There is currently no damage to the foundation. It is 4 years old. |
 |
 
Serious Mandy
|
Has it already settled?? You wont be able to purchase insurance for an existing problem? Ask your current home owner insurer if they cover it and if not, who might. |
|
OneManWrites
 |
Insurance policies vary from state to state in terms of wording but are more or less general in scope of coverage and exclusions. You should check your own homeowners or dwelling policy to be certain.
More than likely your insurance policy will contain an exclusion for this sort of thing. Specifically, it will say something like: we do not insure for loss caused by settling, shrinking, bulging or expansion, including resultant cracking of foundations, walls floors or ceilings. There is a general rule of thumb you could remember. Insurance is designed to cover things that are sudden and accidental in nature. Insurance is not designed to cover things that are gradual in nature, occurring over time or something you could expect to definitely happen (as opposed to a mere chance of occurrence).
Note: collapse of a structure is an entirely different peril than settling. However, when collapse would be covered and when it would not follows the above rule of thumb. |
|
searing
 |
go to your local city or township and ask about mine subsiding problems in the area, they often will point you towards help, it will also be helpful if you know these issues before you talk to your agent about insuring the property |
|
misydoll
 |
I believe that wouldn't be covered due to just wear and tear of the property. A claim normally has to be sudden and accidental. |
|
efrankdeniro
|
Not easy |
|
jt
|
Maybe someone needs to create an insurance company just for that very reason. |
|
Hello Dolly
|
Builders can purchase hydrostatic water pressure insurance to cover the walls of a basement from collapse due to settling, heavy rain damage, during the building of a home. I do not think a homeowner can cover his or her slab foundation from "natural" settling.
I would think you're out of luck with a home 4 years old anyway. My dad, who worked at an insurance company for 35 years has never heard of such insurance. I think the soil settling is a cost of home ownership and is not something the insurance company would cover.
Now if you had earthquake insurance coverage and the soil settled or shifted due to the earth movement during an earthquake "event," that might be something you could claim. But I believe just "natural settling" is not an insurable thing. |
|
mbrcatz
|
Depends on what state you live in. Some states set the standard for what can, and has to be, covered.
The most broad homeowners policy out there is Chubb's. It's for higher value homes, I think the minimum coverage amount is $500,000 on the dwelling. It DOES cover mine subsidence, but not sinkhole collapse. I'm not sure about settling. |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
8 | 38 minutes(s) ago
| | | |
7 | 58 minutes(s) ago
| | | |
8 | 2 hour(s) ago
| | | |
8 | 4 hour(s) ago
| | | |
8 | 9 hour(s) ago
| | | |
8 | 10 hour(s) ago
| | | |
8 | 1 day(s) ago
| | | |
8 | 4 day(s) ago
| | | |
7 | 2 week(s) ago
| | | |
8 | 3 week(s) ago
| |
|
Homepage 
Financial
Forum 
Insurance 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
