| Subject | Date Asked | Expert |
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| Condo HO6 Policy | 7/10/2009 | Bennie719 |
Q: Let me precede this with, this is a wind only policy and the other perils and liability are written ...
A: Since you state that the owner of the building is a corporation, then I assume that all others ...
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| CPCU | 7/10/2009 | Kristen Mulcahy, CIC |
Q: I am currently licensed in Life and Health, have not really been doing it very long (under 6 ...
A: Todd; I too started my insurance carrier in life and health and just couldn't stand it. I got a ...
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| Car insurance--car totalled. | 7/10/2009 | James R. Berliner, CPCU |
Q: I owned a 2005 prius which was totalled(my fault) on Monday and I am wondering what I should be ...
A: So sorry to hear about your car. I hope the settlement process goes smoothly. The insurance ...
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| COI | 7/9/2009 | Kristen Mulcahy, CIC |
Q: How long do you recommend a client keep a COI?
A: Holly; All COI's have an expiration date so they're not valid going forward, after that date. ...
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| Stolen diamond ring | 7/9/2009 | Jay K. Williams, AAI, AIP, CIC, CRM |
Q: My question is this my ring is covered on homeowners and since my ring was stolen I have come to ...
A: In many states, what your jeweler did is completely illegal. Also, selling insurance without a ...
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| townhouse insurance | 7/4/2009 | Jay K. Williams, AAI, AIP, CIC, CRM |
Q: I am on cloud nine having purchased my first townhouse in West Palm Beach, fl. Even sweeter is the ...
A: Congratulations! The first thing we need to decide is whether this is truly a townhouse or is it ...
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| DMV accident report | 7/3/2009 | Bennie719 |
Q: I was involved in an accident, when my case hit a light pole on a town street. Except for the pole ...
A: I agree, your insurance company probably did file the report. Why don't you call them and have the ...
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| DMV accident report | 7/3/2009 | Bennie719 |
Q: I was involved in an accident, when my case hit a light pole on a town street. Except for the pole ...
A: Sorry, I mis-read the last sentence of your question. As I stated, most states require the form to ...
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| DMV accident report | 7/3/2009 | Bennie719 |
Q: I was involved in an accident, when my case hit a light pole on a town street. Except for the pole ...
A: Most states require that DMV accident report be filed by the insurance company and signed by them as ...
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| Wind Damage, Lifted Shingles | 7/2/2009 | James R Carrier |
Q: Would lifted shingles call for an insurance company (State Farm, Illinois) to replace an entire ...
A: Jim, Since the roof had separate slopes with missing shingles, you have a strong argument to ...
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| Homeowners insurance lapse | 7/2/2009 | Jay K. Williams, AAI, AIP, CIC, CRM |
Q: I have a situation that is worrisome to me. In early 2008, my wife and I both lost our jobs within ...
A: TBone, I'm sorry to hear about your situation, but I'm glad to know that at least you have not lost ...
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| start a reinsurance broker | 7/2/2009 | Kristen Mulcahy, CIC |
Q: I read your answers to some of the questions regarding starting an insurance broker/agency and ...
A: Asia; First off let me apologize profusely for the delayed response! My computer crashed last week, ...
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| Home Insurance (Barn Fire) | 7/1/2009 | James R Carrier |
Q: We have a house in Goochland County in Virginia and our barn burned due to recent lightening. Beside ...
A: Ali, Although RC on the house can go to 125% or 130% of the amount listed, each policy differs. ...
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| Damage to Floor and Value | 7/1/2009 | James R Carrier |
Q: We had an oven repaired and in doing so the repairmen damaged our hardwood floors (about 8 inch ...
A: Julie, I feel the ultimate number is very fair 4k how it was arrived at is a bit crazy but 4k is ...
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| Home Insurance (Barn Fire) | 6/30/2009 | James R Carrier |
Q: We have a house in Goochland County in Virginia and our barn burned due to recent lightening. Beside ...
A: Ali, Sorry about your loss. The building coverage is usually 10% of the coverage of the main ...
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| Spilled Paint in auto | 6/30/2009 | Jay K. Williams, AAI, AIP, CIC, CRM |
Q: I bought a can of paint at Walmart in which they had to mix. The paint spilled all over the inside ...
A: I've purchased lots of paint over the years and some of it has rolled around my vehicle...but never ...
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| Avoiding fraud on HO Ins claim | 6/26/2009 | James R. Berliner, CPCU |
Q: My roof was damaged in a recent hailstorm. My insurance company sent an adjuster and determined a ...
A: For your first question, yes - that is insurance fraud. For the second question, if you can find a ...
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| Workers insurance | 6/25/2009 | Jay K. Williams, AAI, AIP, CIC, CRM |
Q: I have got a quote from a contractor who runs a family owned business with 2 workers. I need two ...
A: I think you can rest easily in this situation. Most states do not recognize individuals hiring ...
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| Workers insurance | 6/25/2009 | Harold E. Long, LUTCF, CLU, ChFC, RFC, RHU, REBC, CIC |
Q: I have got a quote from a contractor who runs a family owned business with 2 workers. I need two ...
A: If you have a written contract with one party, and he or she hires subcontractors, then that is on ...
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| Tree fell on visitors car | 6/24/2009 | Jay K. Williams, AAI, AIP, CIC, CRM |
Q: I have a good one. My husband was doing a friend a favor and helping them fix their car. They were ...
A: Isn't that always the way it is...you try to do something nice for someone and then they try to take ...
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| Homeowners Insurance Cancellation | 6/22/2009 | Jay K. Williams, AAI, AIP, CIC, CRM |
Q: We have been notified by our insurance company of 25+ years that they are cancelling our policy due ...
A: Unfortunately, the company can non-renew even if it was just one claim. I would agree with you that ...
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| trees falling on property | 6/21/2009 | Thom Brooks |
Q: I live in Kentucky and during a recent storm one of my trees have fallen onto my neighbors property ...
A: Stacy, call your Insurer. Your company will advise. If it fell due to an Act of God, and if your ...
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| Salvage/Rebuildable Titles | 6/19/2009 | Thom Brooks |
Q: How can I get a Salvage/Rebuildable Title on a car? It is a '92 MR2. The front right part of the ...
A: Jacob, hello! You need to contact your local tag office. They may require the former owner to sign ...
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| Auto Insurance | 6/18/2009 | Jay K. Williams, AAI, AIP, CIC, CRM |
Q: My son was driving my car and was in a car accident where the other party received a ticket for ...
A: Sounds like a feeble attempt by the other insurance company to scare you into accepting blame for ...
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| Hold harmless clauses | 6/18/2009 | Kristen Mulcahy, CIC |
Q: I'm starting a new plumbing and drains business and need the shortest hold harmless clause for the ...
A: Allison; Congrats on the new business and I wish you tons of success! I'm not the best person to ...
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| Car fire and property damage | 6/17/2009 | Jay K. Williams, AAI, AIP, CIC, CRM |
Q: About a month ago my car randomly caught fire while parked in the parking lot behind my apartment. ...
A: Sorry for the delay in my response. I was out of town and did not have internet access. In my ...
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| Filing claim with auto insurance company | 6/17/2009 | Harold E. Long, LUTCF, CLU, ChFC, RFC, RHU, REBC, CIC |
Q: If I file an auto claim with StateFarm, am I obligated to stay with them for a certain amount of ...
A: You are not obligated to stay with State Farm. All though ALL insurance companies handle claims in a ...
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| home health care worker | 6/15/2009 | Kristen Mulcahy, CIC |
Q: I'm looking into care options for my aging mother. She has found someone through a friend that ...
A: Spencer, Actually there's not much of an issue. If your mother has given him/her permission to ...
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| Fl 718.111 | 6/15/2009 | Jay K. Williams, AAI, AIP, CIC, CRM |
Q: I have a condo in Lake Worth Florida. I am on the ground floor and the unit on the fifth floor had ...
A: Chris, I apologize for the delay in responding. I am currently on the road so I'm responding from ...
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| Fallen trees | 6/15/2009 | Jay K. Williams, AAI, AIP, CIC, CRM |
Q: Our backyard backs up to a large treed lot, the owners of which we have never met. There has been a ...
A: I hate to say this, but it would have been better if the tree had landed at least on the deck. If it ...
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| home owner's claim | 6/15/2009 | James R Carrier |
Q: Quickly, I have a family member who has had multiple problems from 'possible' lightening strikes at ...
A: The only reason the claim was termed Catastrophic was there had to be a substantial amount of claims ...
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| Mobile home Park Responsibilities | 6/15/2009 | Jay K. Williams, AAI, AIP, CIC, CRM |
Q: To: Jay K Williams AAI, AIP, CIC, CRM Date: June 15, 2009 RE: Mobile Home Park ...
A: This lady is very blessed to have a good friend like you. I'm not really sure who would be ...
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| home health care worker | 6/14/2009 | Kristen Mulcahy, CIC |
Q: I'm looking into care options for my aging mother. She has found someone through a friend that ...
A: Spencer; Personally, and I went through this in the last few years with my own mother, I would seek ...
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| Property Loss Control | 6/13/2009 | Kristen Mulcahy, CIC |
Q: I just recently started my own business and wanted to understand the best way to approach the ...
A: Jeff; I'm not sure I'm the best person to answer your question but I'll try. If you're going to be ...
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| CG2268 | 6/12/2009 | Jay K. Williams, AAI, AIP, CIC, CRM |
Q: What was the intent of this form when it was introduced? What is the rate basis for the form?
A: Excellent question! It's always wonderful for an insurance nerd like me to get a question like this. ...
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| No workmans comp--homeowner liability | 6/11/2009 | Kristen Mulcahy, CIC |
Q: I read your earlier response to James and that helped but I have a few more questions--we have a ...
A: Mary; He sounds like a nice guy, probably does good work. However, if I were you, I would not hire ...
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| Pending homeowners insurance lapse. | 6/11/2009 | Jay K. Williams, AAI, AIP, CIC, CRM |
Q: My homeowners insurance is to be cancelled on 6/20/09 due to non-payment of premiums by my mortgage ...
A: I find it interesting that the current mortgage company is refusing to pay the premium. By letting ...
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| homeowner negligence | 6/10/2009 | Jay K. Williams, AAI, AIP, CIC, CRM |
Q: I recently had a leak in my condo unit in Dallas, TX, which is downstairs, but it originated from ...
A: If it doesn't cost anything, I'd let him come look at it. He's just going to verify what you've ...
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| Water damage to first floor condo | 6/10/2009 | Jay K. Williams, AAI, AIP, CIC, CRM |
Q: My condo is located on a second floor. It is currently vacant. Over the weekend the water supply ...
A: JP, Typically, in this situation, if it is a sudden and accidental leak you probably would not be ...
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| becoming an insurance agent | 6/10/2009 | Jay K. Williams, AAI, AIP, CIC, CRM |
Q: I would like to become a property and casualty insurance agent. I have absolutely no experience in ...
A: I've been a licensed agent here in FL for over 30 years...while I got here by accident, I wouldn't ...
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