| Subject | Date Asked |
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| house insurance | 11/13/2009 |
Q: I am shopping around for a new policy. Can I just order up a certain amount of money for ...
A: Susan, Replacement Cost insurance policies are standard today for homeowners, you couldn't even ...
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| self-contracting major loss repairs | 11/9/2009 |
Q: It's me again, sorry. re: "Your on my most passionate subject so lets get down to brass tax. If you ...
A: Kimbrell, Holding the "lien on the house" I'm assuming to mean your basically the mortgage company. ...
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| depreciation/replacement value | 11/9/2009 |
Q: the 'story' House Fire and I had Full Replacement Value Expert: James R Carrier - 5/20/2009 ...
A: Kimbrell, Your on my most passionate subject so lets get down to brass tax. If you don't have an ...
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| home vandalism | 11/8/2009 |
Q: I live in Chicago. THREE times kids from the train tracks behind my house have thrown rocks. Glass ...
A: Sandi, A little out of my comfort zone, my familiarity with your insurance company and your ...
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| Ceiling damage due to storms | 10/22/2009 |
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 ...
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| Toielt malfunction | 10/22/2009 |
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 ...
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| Personal Property-fire | 10/11/2009 |
Q: What is the depreciation formula for personal household property. Such as, appliances, furniture, ...
A: Depreciation is deducted from the replacement cost of all non-listed personal property. Listed ...
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| wind damage | 10/2/2009 |
Q: I recently put a claim into my insurance for damage to my house. Two trees fell ,one on my house ...
A: Bon, It is impossible to tell which is the truth. Unfortunately the insurance company is going to ...
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| water damage | 9/29/2009 |
Q: we were gone a week on vacation and when we got back we noticed the floor in the kitchen felt ...
A: Joanne, Your adjuster is obviously misinterpreting your policy. A slow leak, a fast leak, any kind ...
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| Retaining wall issue | 9/24/2009 |
Q: My home in Georgia has a 20 ft high timber retaining wall in the rear, which leads up to a home and ...
A: Brian, Your homeowners policy will cover any damages in the scenario you described. The issue of ...
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| contractor | 9/20/2009 |
Q: I recently had a pipe break and cause significant damage to my home. I then found a contractor and ...
A: David, Sorry it took so long to get back, I have been out of town. The situation you find yourself ...
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| Homeowners Insurance Coverage | 9/13/2009 |
Q: My family was forced out of our home to to wind bring huge amounts of PM 10 dust and sand that ...
A: Richard, I have been out of town I'm sorry not to reply sooner. I would need your documentation, ...
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| depreciation | 8/31/2009 |
Q: You mention a depreciation guide that you use. I am working on a case wherein the depreciation ...
A: Paul, I don't have a guide, generally items fall into categories in which depreciation is ...
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| Wildlife Removal and Clean-up | 8/28/2009 |
Q: Do homeowners policies cover the cost of removing raccoons from a home and then for an expert to ...
A: Sharon, I've never had this question, and I have to research the answer. The damage that the ...
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| Camper insurance | 8/14/2009 |
Q: Our truck camper recently got totaled after an accident on the Highway. We had included the camper ...
A: Julie, I believe that one of the companies will take the lead, and act as the only insurance ...
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| Camper insurance | 8/10/2009 |
Q: Our truck camper recently got totaled after an accident on the Highway. We had included the camper ...
A: Julie, Good question, not going to like the answer. You must make both insurance company's of each ...
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| Lifted shingles | 8/4/2009 |
Q: Jim, I was disappointed to see your answer regarding the "lifted" shingles question. As you being ...
A: Preston, Take care and good luck in your career, consider jumping to my side of the fence truly ...
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| Lifted shingles | 8/3/2009 |
Q: Jim, I was disappointed to see your answer regarding the "lifted" shingles question. As you being ...
A: Preston, I appreciate your position. Repair the shingles that have lifted and call it a day. What I ...
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| Property Damage | 7/22/2009 |
Q: I recently had $5000 in damage from faulty line connection on electrical service. I called Duke ...
A: Josh, This is a liability claim for Duke Energy. It is different from a claim that I handle. If I ...
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| Insurance clain | 7/20/2009 |
Q: I had a water pipe that burst in my bathroom. I was told that Allstate does not pay to have it fixed ...
A: Latasha, Man you got a lot of things going on with this question. Allstate is correct in stating ...
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| Wind Damage, Lifted Shingles | 7/2/2009 |
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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| Home Insurance (Barn Fire) | 7/1/2009 |
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 |
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 |
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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| home owner's claim | 6/15/2009 |
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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| Erie Insurance Group - Homeowners | 5/27/2009 |
Q: I am currently looking at a declaration page from Erie Insurance Group for a home policy in the ...
A: Erie insurance group would either be an agency or a underwriter, not an insurance company. I would ...
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| House Fire and I had Full Replacement Value | 5/20/2009 |
Q: I had Farmers Insurance in NC. I had replacement value on everything. They only paid me for ACV and ...
A: Lynne, Sorry it took so long to get back to you, for some reason your question went into my junk ...
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| question | 5/9/2009 |
Q: Tom have a homeowner policy,when he die.the policy continue or stop
A: The policy is in affect after Tom's death. The policy is good and paid for, it would be to your ...
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| finish on wood flooring | 4/23/2009 |
Q: I am a claimant on an ins claim. A contractor damaged the finish on my solid oak wood flooring. ...
A: 50% depreciation is excessive. Your argument that the life of the wood floor is shortened is not ...
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| property damage depreciation | 4/6/2009 |
Q: When adjusting a loss involving depreciated materials, is depreciation applied only to the materials ...
A: Paul, I guess I should have referenced my answer. I'm an advocate for the homeowner, business owner, ...
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| FROZEN PIPE BURST | 4/2/2009 |
Q: WE HAVE RECENTLY DISCOVERED WATER DAMAGE TO OUR BATHROOM. WE CALLED IN A CONTRACTOR TO SEE HOW MUCH ...
A: You may use my reply with any attempt to get your insurance company to realize the error the 1st ...
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| property damage depreciation | 3/30/2009 |
Q: When adjusting a loss involving depreciated materials, is depreciation applied only to the materials ...
A: you can expect the entire operation to be depreciated, the rate depending on factors such as market ...
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| Home Insurance | 3/29/2009 |
Q: We have a home in Maine. It's on a dirt road off of a dirt road. Needless to say the roads are in ...
A: I'm going to try to answer this question, it is on the fringe of my expertise, I'm an adjuster I'm ...
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| Wind Damage | 3/8/2009 |
Q: I have filed a claim due to wind damage. The adjuster met with my roofer on a day that there was ice ...
A: It sounds as though the insurance company did what they do best and deny your claim. An insurance ...
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| contents insurance list | 2/17/2009 |
Q: we have recently suffered complete loss of every item in our home and sheds due to bush fire here in ...
A: Barry, now this is a question right up my alley. The key to a successful inventory of personal ...
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| CO-INSURANCE ACV VS. REPLACEMENT COST | 1/28/2009 |
Q: I have a small portfolio of rowhouses in Baltimore city and have been advised that the 80% ...
A: Stan, To meet co-insurance issues, which in practice rarely raise there head. If the policy would ...
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| Payment for Loss - personal property | 1/27/2009 |
Q: We suffered a total loss of our home and all contents in a house fire during the summer. The ...
A: Troy, The adjusting process is a negotiation between the insured and the insurance company. It is ...
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| web sight | 1/26/2009 |
Q: where can i find the web sight for auto club property casualty ins co. i have ins threw you all and ...
A: AAA.com is the website for Automobile Club Insurance. Each state however will have a link off the ...
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| contractor advice | 1/25/2009 |
Q: We are a wood flooring and remodeling contractor located in Texas. We would like to pursue ...
A: David, If you can write an estimate of damage with the software the adjuster uses and your prompt, ...
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| Coverage for boat lift | 1/22/2009 |
Q: I recently had a claim for a stolen boat lift. The lift was literally disconnected from the dock. ...
A: The position of the insurance company is when in doubt deny, deny, deny. The least ambiguous ...
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| ServPro damages to my property | 1/20/2009 |
Q: Who handles ServPro's corporate liability? I have been damaged by ServPro and it is almost ...
A: I only chose to answer this question so you don't waste more of your time. Without really knowing to ...
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| home robbery | 1/16/2009 |
Q: my home and truck was robbed when i was out of state my truck was found at a local park by my home ...
A: Your homeowners policy should cover any damage to your home and pay for stolen items. The catch is ...
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