 Should we get life insurance before my husband joins the military?? |
| Should we get life insurance before my husband joins the military. My new york life friend told me that it's better because we can get more money if we do it before he joins. My husband says ... |
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 Should one consider hiding a smoking habit from a life insurance company? |
| Our family is shopping for life insurance. My husband smokes 1-2 cigarettes a day and wants to quit, thus he thinks this "light" smoking should not be mentioned to the insurance company to ... |
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 My boyfriend does not have insurance and got a speeding ticket in my father's insured car.? |
| My boyfriend is not on the policy but he got a speeding ticket in my car (legally my father's). I gave the officer my proof of insurance and he just handed it back but I don't exactly know ... |
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 Ripped hunder bill can it be reimbursed? |
I found this when i was walking it was ripped into pieces can i like go to the band and get reimbursed?
Heres a pic-http://i35.photobucket.c... |
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 If you're trying to claim on the house insurance "accidental" would they come out to see? |
Our TV fell off the stand.
just wondering if we claim on accidental will the insurance company come out to check?
The value of the TV is under 1000 pounds
Additional D... |
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 Daughter was in a suv that wrecked and is in hospital. do i sue insurance? |
| My daughter was in a vehicle with a neice of mine. she ended up in hospital. Has cost a lot of financial and emotion stress, can i sue insurance company wihout suing sister?... |
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 Do you think most large Co. should offer medical ins. to their Empoyees? |
After a year on the Job, do you feel that big Companies should offer insurance to their employees, at a group cost? Because so many don`t.
Additional Details
Hoa N you must own your own C... |
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 My son died, no life insurance. Lender trying to foreclose on wife? |
| My son was killed in a car accident. He had no life insurance. Only PMI on mortgage. Lender is trying to foreclose on his wife who has a 5 month old baby. What can she do if anything to save her ... |
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 Why do people get refused home insurance? |
| Whenever you get a home insurance quote it asks you if you have ever been refused insurance. Why would that happen? And if it does, does it count against you for the rest of your life? Are there ... |
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 I was hit by a drunk driver and...? |
| She fled the scene. I was rear ended at a red light she had no intention of stopping at. My dogs flew from the back seat to the dashboard, I followed her called 911 and she was arrested. It turns out ... |
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 Whats the maxiumum age you can? |
| stay on your parents insurance wihtout being in school. Se i'm 20 and currently not in school but still on my parents insurance...is that to old and if the insurance company found out would my ... |
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 Question about life insurance and suicide? |
| Ok, so my fiance and I are in this debate whether or not a life insurance company would pay if the person commits suicide. I recently read a story about a woman who killed herself because her house ... |
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 What is the amount you pay before your insurance pays the balance? |
| For example, I have to pay the first 50 euros and then the insurance pays the remainder.... |
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 Boss is always right, how ? |
| in Govt. deptt or Public Sector or any where in the ... |
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 Is insurance a must for everybody to have? |
Additional Details
I mean life insurance. Vehicular/mortgage/property insurance is a must in most cases.... |
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 Where can I find regulation that say how insurance companies should handle insurance claims? |
Additional Details
Please dont send me to the insurance regulator. I couldnt find any specific regulations there. And it doesnt matter from what state or country the regulations are ... |
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 Primerica (Scam or Not)? |
| I have found good and bad websites. To me it kinda sounds like it's too good to be true. Does any one know if the life insurance they sell is any good or if that is also another scam.... |
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tom1 | What can my son do. His finished basement got flooded, and his insurance company told him he's not covered. |
Because of high winds and rain the electricity went out and because of this his sump pump failed. The sewer backed up and he got 6 inches of water. His insurance said since it wasn't a broken pipe or natural disaster they won't cover. I estimate about $5,000 in damages. What are his alternatives. He lives in Syracuse NY, in a developement area. |
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John M
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Many of the responses talk about sump pump coverage. If he has coverage of that type it will help although his limits may be less than $5,000.
I shall assume he does not have flood coverage. A homeowners policy does NOT cover flood or earthquake and unless he has purchased a flood policy then he'll not have coverage from the flood. Actually you are telling me that the sump pump did NOT fail, the electric company failed to deliver electricity. So even sump pump coverage will probably not pay in this case.
There is an outside possibility that the electric company has insurance to cover this situation, I would try that, but be ready to be very persistant, because they are going to deny right off the bat, and their contract with you may "hold them harmless".
Where did the water enter the house. If the high winds blew out a window and the water entered the house through that window then the homeowners policy is liable to pay for damage done by wind!
I think you need to talk seriously with your agent, also the company if he will not help you.
Last resort would be a lawyer. |
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piedpiper1223
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I live in Walton NY. We were declared a disaster area by FEMA. If his county was also declared a disaster area then apply to FEMA |
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classe300
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Hey! I'm in the SYR area too, and with this rainfall my pump has been RUNNING>>>>>>>>>>>>>
I had the same problem years ago; now I have a rider on my policy that includes sewer and drain backup... |
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STARRLICIOUS
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Read the insurance policy. DId he have sump pump coverage??? |
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Badkitty
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Not much you can do, if the home owners policy did not have a water back up endorsement, the insurance company is not liable. |
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CanadaRox1234
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Fix it yourselves. If you think about it, $5000 in damage is nothing compared to fighting with an insurance company, they agree to cover it and once the renewal comes up they cancel the policy. This would make it a bigger head ache trying to get insurance coverage again and would probably end up costing a lot more than $5,000 in the long run. |
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Answer Schmancer
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Everyone who owns a home should have flood and earthquake insurance. |
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heidinichole
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He could clean it up himself. |
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William B
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If the area was declared a disaster he can talk to FEMA. |
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mbrcatz
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Well, he should be purchasing both backup of sewers and drains coverage, which is an endorsement on a homeowners policy, and he should also purchase flood insurance. Keep in mind, flood insurance is a government insurance, and it needs "triggers" to kick in, which include having damage to more than one premises.
Sorry, nothing you can do NOW, except repair the damage for this loss out of pocket. He might want to leave that basement unfinished for a while . . . |
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Harold T
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sorry fix it up |
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Andrew O
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This is purely natural disaster. If it had not rained, his electircity would not have gone out and hence his sump pump would not have failed also.
He has every right to sue for damages and breach of cocntract if the Insurance Company are not ready to pay up. |
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Rebecca
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Call these people right away!
http://www.publicadjuster.com
Their business is making insurance companies pay, and pay the total amount, not just some token to make you shut up.
They are probably the foremost independent insurance adjusters in the country, and they consistently get 10 times the amount for their clients that than the insurance was going to originally pay.
Good luck! |
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profdave99
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1. Read the insurance policy yourself, carefully and seriously.
2. Speak with the broker that wrote the policy. He may know something, or mat be able to fight the ins. co.
3. Speak with a different broker if you broker wont help.
4. Try finding and speaking with an independent Adjuster -- he too may have some advice.
Good luck |
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