 Is an advanced payment from insurance company a "use it or lose it" type of money? |
| Our home was damaged by fire and the insurance gave us a substantial advance payment. I'm wondering if we should be a little more liberal in spending it, or will it simply lower the amount we ... |
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 Getting daughter on health insurance? |
| The state is court ordering my bf to put our daughter on his health insurance or a different one, she is currently on medicaid. He's asking me to put her on it so they don't have to go to ... |
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 Can you sue a parent for hiding life insurance on the other parent? |
| My parents are seperated and one of them just died recently. My other parent says they do not have a life insurance policy on the deceased parent. I do not believe that and was stuck paying for a ... |
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 Can you cancel medicare coverage? |
| how long does it take and is it hard to get back on it if you need to?... |
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 What do you know about Texas auto insurance? |
Best of my knowledge, I am required to have liability auto coverage.
I do and I also have pip.
Another driver pulls in front of me, causing accident,,police report and witnesses agree on ... |
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 How do I find the best insurance company? |
I'm looking for a long term health insurance plan for myself. I've compared rates across all major providers and they are all pretty much the same price range.
The problem is ... |
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 Personal Tom Tom stolen from company vehicle? |
| my partner had to use my tom tom for work at the company's request, as they stated that he had to provide his own. he was away on a trip to france, and had the curtains drawn in the cab, while ... |
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 Should I get involved in the insurance industry? |
Additional Details
If I had an opportunity to be in the insurance industry shoudl I do it? Here is the what I need to know before making the jump:
1) do you have to be incredibly ... |
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 What does a loss adjuster do? |
| What does a loss adjuster do and how do they differ from a loss assessor?... |
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 How do homeowner's insurance companies know if people lie on claims? |
| If a person filed a claim for theft, burglary, or anything of the sort, how do the insurance companies know if they're lying or not? Even if people provide receipts or pictures, do they go ... |
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 How much contents insurance do I need? |
| I am 23 moving into a small condo alone. It is 1 bedroom, 1 bath, small dining room, kitchen, and family room. Brand new everything (floors, carpet, washer, dryer, all kitchen appliances). Normal ... |
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 I'm a Mainer and I need car, home, renters', and health insurance.? |
| Where can I go to get all of them; 1) affordable, 2) convenient, and 3) all at the same place?... |
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 Can someone 80 years old obtain life insurance coverage? |
| My mother just turned 80 years old. She has slowed down alot these past years, but overall is very healthy for her age. She came to live with me a few years ago. I recently just found out she cashed ... |
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pumpkinlina | Loss of use standard per diem? |
we had a serious problem with a sears refridgerator. they have agreed to settle the claim (about $30,000), however, we will be unable to live in our home for approx 6-8 weeks. does anyone know if there is a standard "per diem" for loss of use for a family of 4. they are giving us some trouble over paying for a hotel for this time period, however, we have to live somewhere, and the damage is in our kitchen. our home will be unlivable. thank you so much for your help. |
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mbrcatz
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No, it's going to vary by geographic region. I'd think for 6-8 weeks, they'd think about putting a trailer on your lot for a couple months - should be cheaper than a hotel. Because, frankly, you KNOW it's probably going to be closer to 10 before the contractors are done, ESPECIALLY over the holidays.
So sorry for this to happen, especially at this time of year. |
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Misty L
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I can share, that in the state of Texas, the per diem for loss of use is 20% of the dwelling amount... Ex. you insure your home for $100,000. Loss of use coverage would be $20,000! This covers all necessary things of everyday living; food, dry cleaning, hotel, anything you need to continue living-almost!!! Hope that helps! |
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zyberianwarrior
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if they settle for whatever there will be no per diem. homeowners ins may help but i doubt it must of been some serious damage if you can't liv there for 6-8 weeks. |
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tysgrandma99
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if you haven't all ready.contact the attorney general,for consumer fraud..and problems..call around to the good hotels and get there estimate,plus repair..any school age children,transportation,meals,laundry mat,do you have home owners insurance?. |
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MoniqueLise
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Loss of use coverage will vary by policy. In some cases, it is an amount per day, but in many cases it is a percentage of the insured item (if the insured "item" is your home, it would be a percentage of the value of your home). So, your best bet is to check with your insurer and be sure which kind of coverage you have, so that you can budget your expenses appropriately.
I've had to collect under "loss of use" before, and it was a per diem amount in my case, and it meant that the full costs of the storage of my belongings, plus a place to stay, plus food, wasn't really fully covered. Had I known that, I would have budgeted a less expensive solution to my difficulties. |
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