| Subject | Date Asked | Expert |
|
| Auto insurance | 11/6/2009 | Jay K. Williams, AAI, AIP, CIC, CRM |
Q: A vehicle is registered under my name but i do not drive the vehicle at all. My mother has a valid ...
A: Most insurance companies will only insure the vehicle in the name of the person to whom it is ...
|
| Association Liability | 11/5/2009 | Jay K. Williams, AAI, AIP, CIC, CRM |
Q: We own and live in a condo in FL. We recently had a problem with water leaking from our shower into ...
A: Please accept my apology for not getting back to you yesterday. I highly recommend that the unit ...
|
| Care Custody control | 11/4/2009 | Jay K. Williams, AAI, AIP, CIC, CRM |
Q: I have a Contractor who installed cabinets in a business office, the office copy machine was in the ...
A: The CCC exclusion should only apply to that part of the premises that the insured is actually ...
|
| temporary housing proeprty insurance | 11/3/2009 | Kristen Mulcahy, CIC |
Q: I have a client that will be buying mobile homes for when a homeowner suffers a fire to their home. ...
A: Tom; I'm sorry but I'm not familiar enough with carriers appetites to tell you who would write a ...
|
| Is it possible to remove daughter from policy? | 11/3/2009 | James R. Berliner, CPCU |
Q: Last year my daughter went through Driver's Ed in high school and got a learners permit. We have ...
A: I taught three of my kids to drive. Fun, isn't it? Two thoughts. If your daughter is not yet ...
|
| umbrella insurance | 11/3/2009 | Kristen Mulcahy, CIC |
Q: A person has rental properties in GA, NC, IN, OR and CA. Does the person buy business or personal ...
A: Yes, it's still business/commercial insurance. There are numerous companies that do business in all ...
|
| Start a business in P&C insurance | 11/3/2009 | Thom Brooks |
Q: After taking the exam and passing what would be the first step in getting into the business? Also ...
A: Dennis, hello! Your questiion is too complicated to speak in one paragraph. You have to get a ...
|
| Curious | 11/2/2009 | Thom Brooks |
Q: I am currently working as an accounts receivables rep. for a group of podiatrist. I am seeking now ...
A: Mari, hello! The P. & C. license for Georgia may be a bit different than other states so you ...
|
| Putting a roof over my porch | 11/2/2009 | Ronald Hicks, CIC, CRIS |
Q: I'm thinking of having my brother-in-law who works in construction put a roof on my existing back ...
A: Brian Even before we discuss insurance, let me pass on a old saying, "Don't do business with ...
|
| Clients Files | 11/2/2009 | Hal McFarland, CIC, ARM |
Q: For how long does Insurance Broker have do maintain and keep his clients files?
A: Tatyana, The length of time an insurance broker is required to maintain and keep client files ...
|
| Community Dock Insurance | 11/2/2009 | Jay K. Williams, AAI, AIP, CIC, CRM |
Q: WE have a multifamily floating dock attached to a community common waterfront lot. It is an ...
A: Hey Mike, Liability should be the least of your coverage worries. Liability coverage for ...
|
| umbrella insurance | 11/1/2009 | Kristen Mulcahy, CIC |
Q: A person has rental properties in GA, NC, IN, OR and CA. Does the person buy business or personal ...
A: Ivan; Easy question! Unless this person is actually living on the property, it's business ...
|
| Starting a P&C business | 10/29/2009 | Thom Brooks |
Q: Thom, I am currently licensed in Accident and Health, Fire and Casualty Broker-Agent, and Life Only. ...
A: Jerry, hello! The Surety Bond is likely making you responsible for errors that cost the state ...
|
| Liability Insurance for bare land | 10/28/2009 | Kristen Mulcahy, CIC |
Q: My father passed away and left a bare commercial lot in a trust for his siblings. We have sold his ...
A: Mike; This is very easy to do. Find a reputable independent agent and tell them you need a General ...
|
| Force place ins refund | 10/28/2009 | Thom Brooks |
Q: My mortgage ins. expired Nov. 06 in the same month in which I sold my home; however before I could ...
A: April, hello! You need to send a certified letter to that company. You should request that the ...
|
| Falling Tree | 10/27/2009 | James R. Berliner, CPCU |
Q: Who is responsible for a tree falling on my car. The tree was in my neighbor's yard? He does not ...
A: The answer to this question is based on whether your neighbor was negligent. If the tree was in ...
|
| Statutory Laws in Georgia Protecting Insured's | 10/27/2009 | Kristen Mulcahy, CIC |
Q: Insured A & B Inc. paid their annual premiums to their retail agent of record at the inception of a ...
A: Tyler; The insured can absolutely file a claim with the purchasing agent's E and O policy. When a ...
|
| Statutory Laws in Georgia Protecting Insured's | 10/26/2009 | Kristen Mulcahy, CIC |
Q: Insured A & B Inc. paid their annual premiums to their retail agent of record at the inception of a ...
A: Tyler; You have described a situation that unfortunately, occurs all too often. I am not in the ...
|
| Expired P&C License | 10/26/2009 | Thom Brooks |
Q: I am considering going back into the insurance field; however, my P%26C license has been expired for ...
A: Megan, hello! You need to contact your state's insurance department. In Georgia, you have to ...
|
| Insurance Adjuster | 10/25/2009 | Thom Brooks |
Q: My son is 19 years old,he is interested in becoming an insurance adjuster,i would like to know what ...
A: Valerie, hello! I have taught over 44,000 students and hold classes monthly in Savannah. His ...
|
| Roof Damage | 10/24/2009 | James R. Berliner, CPCU |
Q: I'm located in Florida and I own a triplex. Back in March of 2009, I had some water leaks in the ...
A: Lindsay - I am going to make an assumption that your HO-3 policy excludes damages casued by 'wind'. ...
|
| Home builders product statue of limitiation homeownersproperty new home roofing defect | 10/23/2009 | Jay K. Williams, AAI, AIP, CIC, CRM |
Q: I've been dealing with my home warranty company since June of this year regarding a water leakage in ...
A: I'm sorry to hear about your problem. Unfortunately, I think what you really need is some legal ...
|
| p/c license | 10/23/2009 | Kristen Mulcahy, CIC |
Q: can this type of license also be used for pet insurance policies as well as property/casualty, life ...
A: Larry; I truly don't know the answer to your question. I am a HUGE animal lover and hate that pets ...
|
| Roof Damage | 10/23/2009 | James R. Berliner, CPCU |
Q: I'm located in Florida and I own a triplex. Back in March of 2009, I had some water leaks in the ...
A: It is hard to comment about a specific policy without actually reading it. That being said, ...
|
| Ceiling damage due to storms | 10/22/2009 | James R Carrier |
Q: Carrier, I'm located in Florida and I own a rental property (a triplex) that suffered water damages ...
A: Lindsay, One of the requirements of a policy is to notify your insurance carrier in a timely ...
|
| Toielt malfunction | 10/22/2009 | James R Carrier |
Q: We just bought a home 2 years ago. Sunday we were gone all day and we came home the how was ...
A: Brenda, The toilet itself is not covered, however the resulting damage is covered. In this case the ...
|
| Toilet malfunction | 10/22/2009 | Jay K. Williams, AAI, AIP, CIC, CRM |
Q: We just bought a home 2 years ago. Sunday we were gone all day and we came home the how was ...
A: This is typically a covered loss. Normally, it's a malfunction of the parts inside the tank. The ...
|
| toilet malfunction insurance claim | 10/22/2009 | Thom Brooks |
Q: We just bought a home 2 years ago. Sunday we were gone all day and we came home the how was ...
A: Brenda, hello! Every claim is looked at differently, even if you submit that identical claim to the ...
|
| Condo laws about windows and doors | 10/21/2009 | Kristen Mulcahy, CIC |
Q: I would like to know what the law states as far as windows and doors in condos? Is it considered to ...
A: Erik; To my knowledge, there is no "law" per se, but that may depend on what state you're in. Most ...
|
| H06 policy in Maryland | 10/20/2009 | Jay K. Williams, AAI, AIP, CIC, CRM |
Q: Can you please explain what an h06 policy means. There is some new condo association law for ...
A: HO-6 is another name for a Condominium Unit Owners Policy. It's a policy that is in the Homeowners ...
|
| P&C INSURANCE | 10/20/2009 | Thom Brooks |
Q: I BOUGHT SMALL INS AGENCY IN GA, I WANT TO CONTACT WHOLESALER FOR HOME AND AUTO INSURANCE (STANDARD ...
A: OM, hello! You can gather contacts with companies by talking to other local independent agencies. ...
|
| truck insurance for fuel oil dealer | 10/19/2009 | Kristen Mulcahy, CIC |
Q: where can i get truck insurance for my heating oil business thank you reggie s
A: Reggie; Carriers vary by state. Some write insurance in this state, but not that state, etc... But, ...
|
| car vandalism in garage | 10/18/2009 | Thom Brooks |
Q: Does homeowner's coverage cover a vehicle in garage vandalized by a ground hog getting into cars ...
A: Lori, hello! The vehicle is not covered by your homeowners (except for Liability if the car is in ...
|
| home insurance claim payout method | 10/18/2009 | Jay K. Williams, AAI, AIP, CIC, CRM |
Q: In the case of total loss of home, say by fire, what is the 'normal' method of payout with ...
A: The typical settlement method for the structure is replacement cost. That means the cost to rebuild ...
|
| sub agent licensing | 10/17/2009 | Thom Brooks |
Q: What is the difference between a sub agent and a "secretary" in an insurance agency? Can you give ...
A: Jill, hello! You need to contact the state insurance department or goggle their website and you ...
|
| Water Damage - Who is responsible | 10/14/2009 | Jay K. Williams, AAI, AIP, CIC, CRM |
Q: I have a 1st floor condo unit. The refrigerator water line in the 3rd floor unit directly above me ...
A: Every time I get a question like this it just confirms all the reasons why I don't live in a condo. ...
|
| Insurance should pay for full coverage and I should pay only deductable | 10/14/2009 | Hal McFarland, CIC, ARM |
Q: I have a $500 diductable on my car. I got into a car accident and they say They cant fix all damages ...
A: Mary, It would appear that the claim adjuster has determined that there was existing damage to your ...
|
| Bathtub wall and drywall...who pays? | 10/13/2009 | Jay K. Williams, AAI, AIP, CIC, CRM |
Q: I own a condominium in Washington state. Recently I discoverd that the protective wall inside the ...
A: I'm sorry to hear about your issue. Unfortunately, what you are experiencing is a "wear and tear" ...
|
| Use of Hail Damage Payout | 10/13/2009 | Jay K. Williams, AAI, AIP, CIC, CRM |
Q: We live in the state of Wisconsin and my question has to do with a hail damage claim. There was a ...
A: Hey Mark, I'm going to preface my answer with the disclaimer that I'm not an attorney or a licensed ...
|
| auto accident | 10/12/2009 | Jay K. Williams, AAI, AIP, CIC, CRM |
Q: I live in Colorado and was in an auto accident where the other person was deemed 100% at faul, the ...
A: I'm sorry to hear about your situation. I'm not familiar with autosource, but I've never known a ...
|
