 Auto Insurance Terms - Help Me Understand? |
Can you explain these terms?
Comprehensive
Collision
Property Damage Liability
Bodily Injury Liability
Medical Payments
Uninsured Morotists
Bodily I... |
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 Will DirectLine charge me for cancelling my policy on my first day? |
Hello.
I signed up for car insurence with direct line yesterday. First day of policy is today and I just found better deal with admiral. Will DirectLine charge me for cancelling my policy? B... |
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 Why would the people of America agree to pay insurance and then insurance not pay? |
It is unethical to pay homeowners insurance and they not be required to pay.
It is unethical to pay health insurance and then they not be required to pay.
These are laws written by our ... |
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 My hospital bill is more than $10,000. Both my medical and car insurance don't want to pay. What can I do? |
| I had a car accident and totaled both my car and the person's car that I hit. I was lucky that my car insurance gave me a check for $26,000 for my car. But now Im stuck with this huge $10,000 ... |
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 Can I get My canceled Auto Insurance policy reinstated at the same rates i had before i got cancel? |
| I just recently switched my Insurance company from Farm Bureau to Geico cause Geico was alot Cheaper whoever with Farm bureau I only paid every six months and have done that for like 5 years and G... |
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 Putting babies on husband's insurance? |
My husband and I are expecting twins in late August (that probably equates to mid-August since twins don't usually go the whole 40 weeks).
Anyway, the open enrollment period for his ... |
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 What's the age limit you can be on your parents health insurance? |
| My daughter had to recently switch from her dad's...can she go on mine?... |
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 Can I drop my lawyer if I hired one to help me with my car accident lawsuit? |
| The lawyer I have is not moving fast enough for me. Can I call the at-fault-party's insurance company myself and see if they will settle for 15,000 dollars? At first they offered me 5,000 ... |
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 What is public liability insurance? |
| i am doing dance coursework about freelance dancing, and the different insurance you have to have, and wondered if anyone could help with this? i have a bit of information, but i need it in human ... |
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 The insurance comp have wrote car off? |
| car can be fixed by cheaper garage do i have to take there offer or could i get it mended myself , the car is in a compound and they say i cant go near it the claim has not been settled yet, the ... |
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 Retail Insurance Qestion? |
| Before I approach my broker, I would be interested to see if anyone has any recomendations or advice for me. I am a new owner/ occupier of a retail outlet with 20 employees. I require a commercial ... |
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 Dental insurance? |
| does anyone know what insurance I can purchase for individual that will cover at least half or more of my dental work?... |
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 I will have to pay this lady that i a debt collector 100.00 for my fine which iwill pay.? |
| But i have to then pay her 150.00 to collect it, she put the phone down on me, and told me she was going to get me arrested if i didnt pay her, i have had no letters about this being sent to a debt ... |
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 Why is it so expensive to add a spouse to my companies group health insurance? |
basically, my company pays 100% of my coverage, which is 153, but, to add my wife, it is like 300 additional (out of my pocket) as the company doesnt pay any toward spouse/family
Additional D... |
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heh2203 | Will my homeowners insurance cover this type of mold damage? |
Apparently water has been getting through cracks in the grout of our tile. We've completely gutted that bathroom and have found mold and moisture that's gone totally throught the sheetrock, into the insulation and 2x4's. My question is... since the water didn't come from a direct leak/hole in any pipe or faucet will my insurance cover it? I have a feeling that they won't and I don't want to go through the hassel of filing a claim just to be denied. Thanks.
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adamfullman2008
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I am an attorney in Garden Grove, California. I have defended dozens of lawsuits against insurance carriers based on water losses. Although I mostly represent consumers now, I am sorry to say that MSAD's answer is very accurate, particularly her reference to damage occurring over a period of weeks/months/years. Of course, your specific homeowner's policy language will control the outcome, but most policies are nearly identical these days. Adam Fullman |
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MSAD
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If it came from a leak that happened over a period of weeks/months/years then most likely the claim is not covered. If there is any rot (wet or dry) that is not covered.
If the cause of the loss is not covered - then the mold will not be covered.
And since mold is such a hot topic right now - when the adjuster sees the mold - they will have to report that to the underwriting department. Most likely underwriting will invite you to get insurance with someone else. Now the mold claim will show up on your CLUE report - so when you go to get insurance with another company - that could prove to be difficult.
So, if it's not too expensive to handle that out of pocket - that's what I would do - just to avoid the headache that mold claims can cause.
You may want to discuss the matter with your agent - before you decide if you want to turn in a claim or not. Your agent should be able to give you an idea how your insurance company handles this type of claim. |
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drewxjacobs
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Depends on the insurance company. Several years ago when insurance companies were slammed with claims, most of them added an addendum to their policies that mold was not covered or limited coverage.
The best thing to do is call your insurance company and ask them. |
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Ron G
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Hi. I just talked to my insurance agent today about just this. They specifically will not cover this type of loss due to maintenance issues. They will only cover if it is an accidental release of water. Like a broken washing machine supply hose. Sorry. |
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calebeaton
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No clue about insurance. But this might help in dealing with the problem and preventing health issues...
Check out the remarkable research on toxic mold removal done by environmental expert Dr Ed Close. Simply diffusing a therapeutic-grade essential oil regularly will likely result in an environment very hostile to mold.
http://www.secretofthieves.com/mold.cfm
Cost of the Thieves Household Cleaner, a diffuser and a couple bottles of the Thieves oil that Dr Close recommends to his remediation clients: about $250.
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Rajesh K
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homeowner insurance covers all damages you must contact to your insurance servayer and consult and moveforward |
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