 Health insurance over seas? |
my grandma is going to japan for a little while, and she is a bit older and her health is a concern. if anything happens over there..
is there a way to get health insurance in japan? or ... |
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 No health Insurance? |
| Theres people out there that has lost there jobs that can't afford Cobra, it's almost cost as much as there unemployment check. Some fall in the cracks for State Health Ins. If you get ... |
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 Does anyone know how to get a beneficiary from a life insurance policy that was left to me? |
| This policy or policies were kept from me by my other sibilings. And is there a national office which I can check for my benefits that were left by my parents, at no cost, for free etc. Need help ... |
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 Home insurance? |
| Do home insurance plans typically cover flooding? I ask because a home that I'm considering buying is only about a block from the shore (in earthquake-prone northern California) and we all ... |
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 How exactly does gap insurance on cars work? |
| Some people say it's a rip off yet others are advising me to take ... |
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 Issues associated with claiming on my home contents cover? |
| Last week I dropped the rion burning an iron print in my carpet. I have home contents cover which covers accidental damage and have enquired aboutmaking a claim. I've never claimed before and ... |
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 Notarized..how old do you have to be? |
HOW OLD DO YOU HAVE TO BE TO GET SOMTHING NOTARIZED? 18+?
AND ALSO, DO YOU NEED ID? PLEASE HELP I REALLY NEED THESE ANSWERS!!... |
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 How do I become an insurance agent in california? |
| im interested in become an insurance agent but i have no idea how!! i live in california and im pretty sure you have to be licensed. However, i dont know how i can get a license and i dont know where!... |
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| Why are the premiums for Health Insurance different? |
| I want to apply for Blue Cross Blue Shield in Chicago 60616, and I've never applied for health insurance myself, so I want to know what the difference in premiums mean,coinsurance/deductible, ... |
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 How do you measure square feet? I have to measure my house for insurance purposes.? |
Last year it was insured for 1600 sq ft. This year they decided (on their own wihtout measuring it) that it is 3,000 sq ft!
Even the town taxes me at 1400 sq ft! The insurance company said the ... |
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 What is the most ideal auto insurance ratio for a person on a budget? |
| I am switching insurance now and I know their are some ratio's like 50/100/50 and such. My wife and I are on a real budget. She does not drive now, so would not be part of the quote at this ... |
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 If I purchase insurance and require surgery 1 month later, is there a time gap that is needed? |
Does there need to be a time gap between the time period that I purchase the health insurance and the time that I get my eye surgery? Or is it considered an emergency and it will cover it?
A... |
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 Help! $10,000 plus in Medical Bills, no Insurance!!? |
| My husband and I had our son 4/11/2008, we are uninsured. We were denied the Oregon Health Plan (Medicaid) because we "make too much money!" PLEASE!W e are both working at fast food joints ... |
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 How long??? |
| My aunt passed away and left my mom as her beneficary for 10,000 dollars! How long after her dead should my mom recieve the money! She wants to purchase a head stone for her with it!... |
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| Lap band insurance help!? |
| My husband and I want to get the lap band surgery. He's looked into it significantly, and we know pretty much everything there is to know about it. We both have health insurance (under my name)... |
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llapczynski | Renters insurance, flooded basement water damage from broken wash machine pipe how to file a claim?? |
Hello! I have State farm ins. My pipe going to my washer broke-- flooded my basement. I have never filed an insurance claim before. Any tips would appricated. No structural damage was done--all personal stuff, w/d,liter maid, lots of books and paper items also sports collectables. How do I put a value on items that I can't easily replace?? Example--Super bowl XL ticket and program?? or Bill Cohwer/Jerome Bettes signed items, both have retired from the Steelers so getting another isn't going to be easy. Thanks for any info anyone may have. |
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larsgirl
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File the claim first.. You have a contractual responsibility under your insurance policy (contract to file in a timely manner.
The will ask you a list of items damaged.. tell them you are working on getting a list together.. the memorabilia.. go on line and check pricing, order it, give them a paid receipt.. and they Will pay.. you do have a replacement cost policy.. right??
then it's new for old with a paid receipt.
as for the regular personal items.. get out the local JC Penneys, Sears, whatever and go shopping.. If you don't like to.. find a Mom, gf, etc... make a list and send them.. you must know someone that likes to shop!!books.. paperbacks.. hit amazon.com.. Also make sure you have the receipt for the repair for the broken pipe repair.. keep track of everyone's time.. Sometimes, the company will count time spent against your deductible... it's worth a shot..
Get busy. |
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Gambit
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I will assume you have already reported the claim to the company. If not stop what you are doing and report it as soon as possible (either call your agent or check to see if your policy documentation came with a claim hotline number). Unless the items are a health hazard, try to refrain from throwing anything out before the insurer has a chance to inspect them (if they wish to inspect them) or at the very least take detailed photos of the items before you throw them out. Either which way you will need to provide a list of the items damaged and their replacement value. As for the value for the items themselves you will have to provide proof of the value of those items, either by presenting a receipt for the items, an estimate from a reputable company as to the cost to replace those items or even an advertisement(s) which states the cost of the item(s). For those items which have an intrinsic value, you will have to provide examples of similar items that were sold and what they were sold for, or you will have to go out and get an expert's opinion as to the value of these items at the time of the loss (you will need it in writing). The insurer can either accept this, or submit a copy of their own expert's opinion of the value, however the onus is on you to prove the value. |
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Katetrinity
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Has it entered your mind to call your insurance agent as soon as possible and ask them what you should do? That is the first thing to do, you don't hesitate and put off calling the people that are going to help you. They get paid to service you and answer all your questions. They are going to ask you WHY you waited to call them. |
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Henry G
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Call your State Farm Insurance agent and tell them what has happened. They will file a claim on your behalf and set up a telephone conversation with an adjuster to handle your claim. You will be issued a claim number which you will write down and keep for your records. This claim number is how State Farm identifies you and your claim. The adjuster will schedule a time to come out to your residence and assess the damage. He or she will then take all of the damaged items into consideration and put a monetary value on the damage and generally a check will be issued to you. Keep in mind that what you think are valuable may not seem as valuable to the insurance company. Also, depreciation is a big factor when they assess any damage. Also, keep in mind that by filing a claim usually increases your premiums. So if your claim isn't very large you may just want to reconsider. Insurance companies usually drop or blackball anyone who files more than one water claim within a certain time frame. |
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Anita G
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First of all you need to take photos and write down an inventory of what was damaged and then contact State Farm and let them know and they will send you paper work to fill out.
As far as collectables....let them know about this and they will give you a max value on these items |
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mbrcatz
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Call your agent, or the local State Farm Claims Number. Don't throw anything out! Honest! Not until the adjuster says it's ok.
You'll have to make a list, and see what the stuff is currently selling for on Ebay. You'll need to print out "completed sale" information, not "asking price". |
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