 I think our house insurance is expensive, want to change using comparison site England what is important to? |
if i use a comparison site to change our house insurance what is a good way to do this, the main reason being to try to cut down on our monthly out goings
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 Can you collect unemployment if your hours were cut from full time to part time due to slow business? |
Additional Details
I live in the state of Florida. When I was hired it was at a full time bookkeeper/CFO. I was informed to day that the job doesn't need a full time person right ... |
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 Can i switch the name of the car insurance to my name at 17? |
i am 17 and was wondering if the current name of my insurance can be swithched to my name?
and can the title of my car be switched to my name as well?
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money ... |
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 I have no health insurance pain is killing me? |
i drive for passengers , to airports , but i have no health insurance . my back pain is killing me .
please help me how can i live a good life in new jersey ... |
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Live in a 2 story, downstairs apartment ground floor, one level., I have a doxie (weiner dog), my son who is an adult and my husband.
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It is two bedroom one month and I... |
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 Is Primerica a good company to have a policy with? |
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| Medical Insurance Not Paying My Medical Bills? |
| So last summer, I broke my ankle pretty bad, displaced fracture and at the time I had limited insurance. They claimed to pay up to 1k in ER visit, 250 for anaestesia, 2k in doctor visits, and up to 2... |
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| in a few months I'm going to be moving, but due to certain circumstances, I won't have enough during the time period for Car insurance, So I was wondering if I could charge it to my credit ... |
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| Car loans..? |
| Got a new car, had to take out finance. There is insurance added to the loan. But it says there is no optional payment protection insurance on the loan. It is down as other insurances. What are other ... |
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 UK answers please. Question to insurers? |
What make & model of cars are the cheapest to insure?
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I know it doesn't depends on this only but on lots and lots of other factors.
I just want to know ... |
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aofm77 | LAWYERS--Who's responsible for this stolen property? |
My husbands roofing company was doing a three day roof job. They came back to work the second day and found that someone had stolen $600 worth of shingles off of the homeowners property. And you have to leave shingles out at a job b/c they are too heavy to move back and forth to the job. Who is responsible for the stolen shingles, the homeowner's insurance company or my husband- who is not insured???!!! |
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John
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Your husband. He did not store the shingles in a safe place overnight.
When I had my roof replaced, my contractor had it on his contract with me stipulating that I have to provide a place for storing materials. Even though I allowed him to store the shingles in my garage but he declined. Instead, he put the shingles and his tools on my roof where no one can have access to them at any time during the 3 days job period.
If you drive around in your neighborhood, you can see piles of shingles sitting on top of house roof everywhere. It appears that most roofers use the roof as the safest place to store the materials. |
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Sue F
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Your husband is responsible for the replacement of the shingles.
I am not trying to sound mean or judgemental, but he should not be operating a business without full insurance and coverage for himself, the business and his employees.
This is going to be an expensive lesson for your husband and your family.
I hope that he makes the decision to carry insurance from now on.
Good luck to you and your family. |
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Mark S
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Assuming that the materials were not purchased by the homeowner...
Until they are nailed to the roof they are your baby. |
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cybersharque
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Your husband eats the loss unless the contract provides otherwise or the policy was specially endorsed. Theft or unexplained disappearance of building materials from an unguarded site is never covered (except under some very high-premium Lloyd's of London coverage). Even when the policy is endorsed to cover theft of materials, the policy will not respond unless the materials were stolen from a securely-locked storage facility or a night watchman was on duty.
Here we have not a "theft," but an unexplained disappearance, which is never covered even when the policy is specially endorsed to cover theft. |
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mbrcatz
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Your husband, assuming the cost and purchasing of building materials was part of the job cost.
If the homeowner bought the shingles, and your husband just showed up and put them on, ie, if the MATERIALS were not purchased by your hubby, then the homeowner is responsible.
Homeowners policies do NOT cover building materials before they are attached to the building, so even if the homeowner bought the shingles, his policy wouldn't cover their theft while they were sitting waiting to be nailed down.
**On the not carrying insurance bit . . . even if he HAD building materials and supplies insured on his policy, likely he'd have at LEAST a $500 deductible, and more likely $1,000, so it wouldn't have been covered there anyway.** |
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Elana
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It will inevitably depend on the contract signed
between your husband and the home owner.
What liability is assumed by your husband's
company and what is assumed by the home owner? |
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