 Help I have Multiple Sclerosis but no prescription insurance coverage for medication? |
| I was diagnosed with MS about 3 months ago. I work full time from my home and have health insurance but not prescription coverage. I have tried shared solutions and chronic disease fund for help but ... |
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 Have you ever? |
| droped a baby, "By accident?"... |
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 What is the deal with health insurance? |
| Does it matter to the price of health insurance if you are a male or female? Just one difference is females can get pregnant males cant so should male health insurance be cheaper? Males can get ... |
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 MY husband doesn't want to get life insurance.? |
| My husband doesn't want to get life insurance because he feels that he shouldn't secure our future. we have two kids. he even refused when i offered to pay. what can i do in a situation ... |
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 Will my husband get my life insurance? |
| If I am still legally married but seperated for the last 8 years can I make my boyfreind benificery on my life insurance without giving my husband any? I live in T... |
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 How much would a million dollar insurance policy cost for one day? |
| I wanted to have my wedding outside on the campus of my university but they are wanting us to take a million dollar insurance policy for just that day. Would it be worth it for me to do this and how ... |
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 Scared of picking wrong health insurance!!!!!!? |
| In lieu of "Sicko", and reading so many horror stories on health care denials, unpaid claims, etc, etc; it really has me scared to pick an individual plan. I keep hearing that most of ... |
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 Insurance fraud question? |
| Hope u guys can settle an argument. My mate has accidental damage insurance via his home insurance. His stereo is pretty old and he told me he could buy a really good, but damaged one dead cheap, say ... |
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 I need to see a neurologist but don't have health insurance. Anyone have any suggestions? |
| Neurologists offices will only let u in the door with insurance because its too expensive. Of course to see a neurologist there has to be a possibly big problem, this has all been very stressfull and ... |
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 Anyone know why I cant cancel my Health Insurance through my employer until "open enrollment"? |
| We pay $800 a month and realized that we wouldnt spend that much if we paid cash. My husband tried to cancel it and we were told that we had to wait until open enrollment to cancel it, unless we had ... |
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 My doctor just gave me a slip to give to my work that says I should be temporarily disabled until 11/20/2007? |
The reason the doctor gave me the note is due to a knee injury that I have. Now my question is this, the injury was not work related so can I collect disability ins. during this time off???
... |
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 How much would you insure your hands or legs for? |
| It looks like my intended busness has just been ruined by a hand injury.... |
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 Term insurance - Can it be cancelled? |
I have a 20 year term insurance.
I think I am paying too much now. Can I cancel it, and go for another one, where the rates are cheaper? What are the drawbacks of doing this?... |
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 Does anybody offer job loss insurance? |
| I was just wondering if any insurance companies offer insurance that will cover your living expenses (regular bills, mortgage payments, etc) for say 3-4 months in the case of a job loss? Is there ... |
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Clare D | My house is over 150 years old, has had subsidence in the past where can I get buildings insurance?? |
No one wants to insure me for buildings insurance as my house has had subsidence in the past, no evidence of it moveing in the last 70 years. Insurance companies will insure for contence though, there must be someone out there who has had the same experience. How Do I get insured? - even the morgage company wont insure us. Please help any owners of old homes :-) |
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littlebee
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My house (built 1872) has suffered past movement, and we had major problems getting insurance. The previous owners insurance company would not insure us either, so we personally went to a broker (didn't do it over the phone), Swinton, and they did all the work for us and found two or three companies that would insure us. We had to send a copy of the surveyors report from when we bought the house, that said the movement was 'past movement' and not ongoing. It was a nightmare at the time, and we probably have to pay a higher premium than other people, but at least we have insurance! I know exactly how you feel! |
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sam
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How long have you lived at this house? I'm surprised that your mortgage lender actually offered you a mortgage without you having buildings insurance.
If you still can, contact the previous owners and find out who they used and obtian their old policy number. |
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aires69uk OFFICIAL
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You must not be looking hard enough (sorry if that sounds a bit harsh). A quick search turned up http://www.adrianflux.co.uk/subsidence-detail.php who seem to specialise in insurance when subsidence is involved. I've never heard of them myself - I work for another insurance broker. We do quote with insurance companies who would offer cover even taking account subsidence. It all depends on the severity of the subsidence though and the measures that have been taken. I can't tell you that you won't get insurance but you may have to look hard. As other people have suggested it may be worth getting in touch with the previous owner and finding out who they were insured with. |
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welcome news
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You need to contact an insurance broker, who can advise you further.
As a broker I think that Heath, Commitments, Towergate and BIBA all offer schemes for houses with corrected subsidence.
As is usual - do NOT use the internet for anything to do with insurance and forget Direct Companies as they only cherry-pick. |
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jed slade
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My uncle,who is still alive,but only just, has the same trouble,he lives in sutton in ashfield.no-one will insure his property.insurance companies dont want to pay out and will cease to cover anything that makes them do so.I have always believed insurance to be a racket,road vehicles have to be insured by law so they can hardly dodge covering them,but just look at the premiums,for an unknown quantity like a new driver,the premiums are sky high.I feel they should start lower with the premiums then increase them as punishment for accident claims,this would be a better deterrant in my opinion,as to the buildings insurance you dont have to be insured by law,this is the problem.no-one will cover a potential loss situation.You will find most of these properties are in mining subsidence areas,where you will not get cover. |
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Rachel
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I am an insurance advisor. You need to contact the last owners and ask them who insured it. Get their policy no (the company wont share any details to you but it will show that they insured it) The previous company ahve to insure it. If you have any trouble email me and I will see if I can find another company for you but I think if you speak to the old company they will do it |
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Johnny B
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Okay if there are visible problems fix them!
If its on stumps jack the house up and put new stumps where needed. If its foundation problems fix what you can.
Most building insurance companies wont cover subsidence movement anyway. As long as you can get a fire cover that's all you really need. |
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