 I received medical procedure which has not approved by FDA. My insurance denied to pay.what should I do? |
I received medical procedure which has not approved by FDA. My insurance company considers it as experimental or investigational and denied to pay the coverage. What should I do?
Additional D... |
|
 I was in an accident a week ago how do i get other guys ins. to pay me? |
| i contacted the other guys insurance and told em what happened that he rear ended me and i was on company time in a company vehicle and did lose time from it because i was hurt. i am now in constant ... |
|
 Bodily Injury? |
| I was involved in an auto-accident in 2005 I was 12 weeks pregnant. The accident was not determined to be my fault at all. The woman failed to stop, her insurance USAA paid off my vechile at $14,000. ... |
|
 Health insurance - what should I look for? |
| I'm new to buying health insurance. Could you tell me what should I look for? Do you have any companies you'd reccomend?... |
|
 What happens after your house burns down? Who pays for what if you don't have renters insurance? |
| The fire-fighters said it was an electrical problem. One of my neighbor's car was damage by the fire. So, who will pay for his damages? Some of my other neighbor's had to go to the hospital.... |
|
 Doctors billing primary & secondary ins company for same amount? |
| Husband's surgeon billed our primary and secondary ins co's the same amt. We had been told previously that the secondary would be billed for only what the primary did not pay. Is this ... |
|
 HealthCare United Insurance? |
| My son will be playing football this season and he needs insurance, we dont have insurance so we are goign to buy it from the school. My son does NOT have a SSN which is required to apply online ( ... |
|
 Im being billed $4000 b/c the dr i went to says they are not in my network, i called and asked if my insurance |
| was taken there and they said yes, now that im being billed i called them and said i wouldnt of seen that dr if they told me they didnt take my insurance and she admitted that they were just starting ... |
|
 Health insurance denied lab work?? Help!? |
| I went to a doctor who is approved by my health insurance company (I have an EPO). Apparently, his office sent my blood work off to a lab that is not an "in network provider." My health ... |
|
 Maximum out of pocket expense PPO~ annual or per "incident?"? |
| I have tried calling my insurance company and can either never get through or they may me feel ignorant. I have a 90/10 policy with $1000 maximum out of pocket. I have BCBS PPO and am just ... |
|
 Does anyone know of a scam that involves someones death and you being made the only beneficiary and not relate |
| A guy from England is saying I can be the beneficiary of an estates worth 8.5 million dollars and that he can have the money delivered to me but I have to cut him in a portion.Whats up with ... |
|
 Changing Health Insurance companies? |
| I've had my existing policy for 3yrs & I'm currently in the process of switching companies for cost reasons. This policy states:1) A pre-existing condition exists if a covered person ... |
|
 Is credit used in determining health insurance rates? |
| I am licensed in GA for property & casualty insurance, so I know credit is used to help determine rates for auto & homeowners insurance, but it is considered in health insurance?... |
|
 Best health insurance for young single people? |
| I'm looking for informaiton about health insurance for a single, young man...he is 27. Are there any affordable policies out there that may provide minimal coverage (annual well visit, a couple ... |
|
|  |
STEVEN B | What can i do if my insurance won't pay for new roof.? |
Every time the wind blows (>40mph) I loose shingles. I've got
4 bids from contractors saying it needs replaced but insurance
says not enough damage. You can lift the shingles, they never
sealed. House is 8 years old. |
 |
 
Gambit
 |
Shingles, whether they be asphalt, fibreglass or wood, should not be lifting in 40 MPH winds after eight years if they were installed properly. The fact that they are indicates they were not installed properly. A Homeowner's policy never pays for faulty workmanship, so the shingles that are still on your roof would not be covered. You will have to go back to the company who installed the shingles and get them to do a decent job.
As for the shingles that blew off, there are two problems. The first is what I mentioned before regarding the faulty workmanship. The direct cause of loss is both the wind and the faulty workmanship. Since one of the causes is excluded from the policy you might have some insurers who will exclude the entire loss. There are some insurers who will choose to cover the claim since one of the perils is covered (most judges would also agree with this) and then go after the roofing contractor. The second problem is that the damage did not occur in one occurrence but several, and your deductible applies at each occurrence. Therefore if the damage occurred by four separate windstorms, and your deductible is $500, you would have to pay the first $2,000 of the repair bill, therefore it's quite possible that the amount of damage is less than the combined deductible. |
|
Tori
|
If the on-going damage was caused by bad workmanship - then go to the contractor who replaced your roof!
They may offer to replace free (or cheaper)
But the damage is on-going....so it's not ONE occurance for homeowners insurance to cover - it would have to have all happened at once...and then you would have to pay your deductible - and if the damage is less than the deductible - you have no claim for insurance...
Insurance was designed for "catastrophic" situations such as a house-fire or a hurricane...If you are using your policy for regular maintenance - most larger companies will cancel you after a few claims |
|
Evan K
 |
Insurance doesn't cover poor workmanship, but the company that installed them better. If the shingles weren't properly installed in the first place, you need to get the contracting company to deal with the damage. |
|
src50
|
Insurance won't pay for normal wear and tear. It has to be damage from a specific event. Sounds like your house had a lousy roofing job. |
|
acermill
|
You don't have an insurance claim here. Insurers won't pay for such damage UNLESS the winds reach what is called "gale force", which is somewhere near 60MPH.
If your shingles never sealed, that's a roof issue, not an insurance issue. You might try contacting the installers of the roof and/or the manufacturer of the roofing. If the material was properly applied, it should have sealed down within a few months of installation. |
|
mbrcatz
|
Well, you can go after the original roofer, who clearly didn't do the job right. But you can't make the insurance company pay.
There is an exclusion in your policy for shoddy work - they won't fix someone else's shoddy work. Which is what you have.
Your insurance company will also be able to deny future claims, as you're CLEARLY not doing anything right now to prevent a future loss - one of your policy conditions. Your roof is in bad shape. You need a new one. Any storm/water damage you get to the inside of the house, is now EXPECTED.
But you will have to take care of this YOURSELF. |
|
betotron don
|
call your state ins. commisioner |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
7 | 10 minutes(s) ago
| | | |
7 | 14 minutes(s) ago
| | | |
7 | 20 minutes(s) ago
| | | |
7 | 38 minutes(s) ago
| | | |
7 | 3 hour(s) ago
| | | |
7 | 4 hour(s) ago
| | | |
7 | 9 hour(s) ago
| | | |
7 | 2 day(s) ago
| | | |
7 | 2 week(s) ago
| | | |
6 | 3 week(s) ago
| |
|
Homepage 
Financial
Forum 
Insurance 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
