| Subject | Date Asked |
|
| coverage neded | 11/21/2009 |
Q: I have recently purchased a U-haul truck that i will be using to move my family. My ins. agent ...
A: I'd be curious to know how your agent would advise you to insure the truck. You don't have to have ...
|
| Personal Property Foster Children | 11/18/2009 |
Q: A client of mine suffered a fire. The client had several foster children living in the home at the ...
A: First of all, I think the company would be out of their mind to may a check payable to the case ...
|
| Water Damage FL Condo | 11/18/2009 |
Q: Not sure if the question I asked went through to you.. so here I go again. I own a condo in FL. The ...
A: Leah, The Statute refers to whose responsibility it is to insure specific items. It really does ...
|
| Water Damage FL Condo | 11/18/2009 |
Q: Not sure if the question I asked went through to you.. so here I go again. I own a condo in FL. The ...
A: This is only my personal opinion because I am not a lawyer. I think lawyers have a tendency to send ...
|
| Water Damage FL Condo | 11/17/2009 |
Q: Not sure if the question I asked went through to you.. so here I go again. I own a condo in FL. The ...
A: I did get your question earlier but I'd rather get it twice than not get it at all. Your neighbor ...
|
| Neighbor's tree fell | 11/15/2009 |
Q: I hope that you're able to answer this question.About 1 1/2wks ago I noticed that a big tree on my ...
A: I'm sorry to hear about your loss. Trees are always a real problem from an insurance standpoint. ...
|
| First year | 11/11/2009 |
Q: I am new to insurance business after career change at 45........We live in the south ina town with ...
A: I think you've done well for your first year in this crazy business. Planning is always ...
|
| Auto insurance | 11/6/2009 |
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 |
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 |
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 ...
|
| Community Dock Insurance | 11/2/2009 |
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 ...
|
| Home builders product statue of limitiation homeownersproperty new home roofing defect | 10/23/2009 |
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 ...
|
| Toilet 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: This is typically a covered loss. Normally, it's a malfunction of the parts inside the tank. The ...
|
| H06 policy in Maryland | 10/20/2009 |
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 ...
|
| home insurance claim payout method | 10/18/2009 |
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 ...
|
| Water Damage - Who is responsible | 10/14/2009 |
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. ...
|
| Bathtub wall and drywall...who pays? | 10/13/2009 |
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 |
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 |
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 ...
|
| Commercial Liability | 10/6/2009 |
Q: I am currently trying to find a general liability policy for my husband. He is negotiating a ...
A: There are two acceptable ways to insure an auto repair operation. The old way was to write a Garage ...
|
| roof damage. | 10/6/2009 |
Q: We recently had a storm that caused damage to our roof and interior. My insurance company will cover ...
A: This is the standard practice relating to roof losses...although building damage is usually paid on ...
|
| Condo Damage | 10/5/2009 |
Q: Mr. Williams: I own a condo in Fla. The tenant of the unit above mine overfilled her bathtub and it ...
A: For me it is strictly a consumer service. I recommend you contact a local independent agent that ...
|
| My Condo cause water/mold damage to vacant downstairs unit | 10/1/2009 |
Q: I live in a 2-story condo, where my unit is upstairs and the unit below is vacant & in ...
A: Julia. Your condo association manager couldn't be any more wrong. While the replacement of the ...
|
| homeowner's liability | 9/26/2009 |
Q: I own a condo unit on the 9th floor. Recently, the condo management called me up to tell me that the ...
A: Hey Kevin, Without a doubt, they should be able to prove it came from your unit. It's not ...
|
| homeowner's liability | 9/25/2009 |
Q: I own a condo unit on the 9th floor. Recently, the condo management called me up to tell me that the ...
A: Being truly liable is dependant upon whether or not you knew the HVAC drain needed to be cleaned. ...
|
| Homeowners Insurance/Impound Account | 9/24/2009 |
Q: My homeowners insurance was up for renewal last month and my mortgage company did not make the ...
A: Brittany, Thanks for your patience. In FL, there is a law that makes the Mortgagee responsible if ...
|
| 718.111(11)(f) 1, 2, 3. | 9/23/2009 |
Q: Is it your position that section 3 covers interior drywall, despite the clear language of section 1? ...
A: You're trying to make this too difficult. I am very familiar with this statute because I've been ...
|
| 718.111(11)(f) 1, 2, 3. | 9/23/2009 |
Q: Is it your position that section 3 covers interior drywall, despite the clear language of section 1? ...
A: Please don't think I'm trying to be argumentative, but I clearly stated that the drywall is the ...
|
| 718.111(11)(f) 1, 2, 3. | 9/23/2009 |
Q: Is it your position that section 3 covers interior drywall, despite the clear language of section 1?
A: It is a fact that the association is responsible for the drywall in a condominium unit. The unit ...
|
| condo insurance | 9/23/2009 |
Q: I own a condo and from my understanding, the patio is considered as common area. If someone gets ...
A: Your patio is one of those areas where both you and the association has some responsibility. I ...
|
| CG0001 10/2001 and CG0001 12/2007 forms | 9/22/2009 |
Q: What are the major differences between the two General Liability coverage forms? If a policy will be ...
A: I always love it when I encounter an agent digging for policy detail and looking for changes. A lot ...
|
| Condo Question | 9/17/2009 |
Q: The condominium that I live in has hired a contractor (carpenter) to repair common property in the ...
A: The Certificates are all you need. Unless you have some dangerous issues that you are aware of that ...
|
| homeowner's insurance for estate home | 9/16/2009 |
Q: My parents died recently with no will and left a family home. There are 13 heirs and each wants to ...
A: My condolences about your parents. I'll preface my answer with the disclaimer that I am not an ...
|
| H06, condominium insurance | 9/14/2009 |
Q: I own a condominium in Tulsa, OK. Our home owner's association has decided to replace the sewer ...
A: You're correct, that does sound a bit overstated, but then again, I'm not that familiar with the ...
|
| Townhomes Homeowners Association etc. | 9/11/2009 |
Q: Glad you are available again! I own one of 12 three story townhomes in a Townhomes Homeowners ...
A: Ed, Thank you so much for the compliments in the feedback. I'm sorry I couldn't have better news ...
|
| Townhomes Homeowners Association etc. | 9/10/2009 |
Q: Glad you are available again! I own one of 12 three story townhomes in a Townhomes Homeowners ...
A: I'm probably not going to be your best friend when I finish answering this question...but I probably ...
|
| Personal Auto | 9/10/2009 |
Q: Last Wednesday my niece who lives with us took the family car on an errand. She was involved in an ...
A: I'm sorry to hear about your issue. There is nothing the adjust can do until they hear from the ...
|
| 10 & 10? | 9/3/2009 |
Q: My house sustained damage in hurricane Ike here on the gulf coast. My insurance company (ASI) has ...
A: That makes more sense. I've never heard it referred to as 10 & 10...interesting concept. I must ...
|
| 10 & 10? | 8/16/2009 |
Q: My house sustained damage in hurricane Ike here on the gulf coast. My insurance company (ASI) has ...
A: Mike, Thanks for your question. Please accept my sincere apologies for the delay in response. I ...
|
| among condo owners who needs flood ins? | 8/15/2009 |
Q: We live in a 3 story condo building on the beach. Owners on the third floor do not have flood ...
A: Chris, I apologize that your question was missed. I had a change of emails (and jobs) and in the ...
|
| excess flood insurance for condo association | 8/13/2009 |
Q: Our Florida association was recently notified by Lloyds of London that the excess flood policy ...
A: Since Lloyd's is a Surplus Lines company, the cancellation Statutes that apply do not require any ...
|
| Condo property insurance for common areas | 8/11/2009 |
Q: Is it mandated by Florida law that a condo association be required to purchase property insurance ...
A: Trust me, the Statues require coverage...not to mention any unit owner mortgagee would never loan ...
|
| car flooded at work | 8/5/2009 |
Q: This question is for my mother who is a animal control officer and today while at work she was out ...
A: I'm sorry to hear about your mother's car. It's possible that the animal control office could be ...
|
| What's covered by interior demolition? | 8/4/2009 |
Q: My apartment building (12 units) had a major fire and my apartment susatained moderate damage. ...
A: I'm very sorry to hear about your situation. I'm not sure I fully understand the situation. Do you ...
|
| Car | 7/31/2009 |
Q: My car was totaled. 2003 dodge grand caravan sport, about 97k miles, good to great condition. I had ...
A: Mr. Doe, Thanks for your question. I'll be very honest and tell you that this is not a question I ...
|
| Home insurance with Farmers, American Modern Insurance Group, or American Family Insurance Group any advice? | 7/29/2009 |
Q: I am shopping for home insurance and all of the above came in at about the same rates and i can't ...
A: I would recommend contacting your State Insurance Department regarding each of these companies. They ...
|
| Friend damaged property | 7/28/2009 |
Q: Last night we had some friends over our children were playing Wii (video game system). Our friends ...
A: Unfortunately, the quick answer to your question is "yes". If your friend had a renter's policy, ...
|
| Fallen Tree Car Damage | 7/27/2009 |
Q: Good Afternoon, Heavy tree parts fell on my car and two others yesterday. I live in a small town ...
A: I'm sorry to hear about the damage to your car. Typically, in situations like this you must rely on ...
|
| Homeowners insurance | 7/26/2009 |
Q: We had a devastating fire that resulted in a total loss of our home and all of our belongings. We ...
A: I'm sorry to hear about your loss. I've been involved in devastating fires like this and I know that ...
|
| Homeowners Insurance | 7/23/2009 |
Q: My son who lives in Minnesota, purchased a home for me to live in. The home is in the state of ...
A: While the ultimate answer is up to the company that writes the coverage, I see no reason why a ...
|
| towing company liability for stolen laptop | 7/21/2009 |
Q: My son (not at fault) was involved in an auto accident in California. He lives in Indiana. The ...
A: In most states, in order for a towing company to get into rotation, they must carry proper ...
|
| CGL | 7/13/2009 |
Q: Good morning, Jay. I am trying to find a comparison bewtteen the CG 00 01 7/98 vs. 10/01 editions. ...
A: Unfortunately I don't have anything specific to your question. You might try IRMI (Internantional ...
|
| Stolen diamond ring | 7/9/2009 |
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 ...
|
| townhouse insurance | 7/4/2009 |
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 ...
|
| Homeowners insurance lapse | 7/2/2009 |
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 ...
|
| Spilled Paint in auto | 6/30/2009 |
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 ...
|
| Workers insurance | 6/25/2009 |
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 ...
|
| Tree fell on visitors car | 6/24/2009 |
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 ...
|
| Homeowners Insurance Cancellation | 6/22/2009 |
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 ...
|
| Auto Insurance | 6/18/2009 |
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 ...
|
| Car fire and property damage | 6/17/2009 |
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 ...
|
| Fl 718.111 | 6/15/2009 |
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 ...
|
| Fallen trees | 6/15/2009 |
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 ...
|
| Mobile home Park Responsibilities | 6/15/2009 |
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 ...
|
| CG2268 | 6/12/2009 |
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. ...
|
| Pending homeowners insurance lapse. | 6/11/2009 |
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 ...
|
| homeowner negligence | 6/10/2009 |
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 ...
|
| Water damage to first floor condo | 6/10/2009 |
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 ...
|
| becoming an insurance agent | 6/10/2009 |
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 ...
|
| homeowner negligence | 6/10/2009 |
Q: I recently had a leak in my condo unit in Dallas, TX, which is downstairs, but it originated from ...
A: Hey Michael, That's quite an incredible picture! Since I'm not a lawyer, I cannot speak to how ...
|
| Auto coverage and Policy for Adult Child | 6/7/2009 |
Q: If MY car is titled to me but my 22 year old son drives it, is employed, lives outside of my home, ...
A: If the car is titled in your name, then it should be insured in your name. Your son should be listed ...
|
| insurance regulations | 6/4/2009 |
Q: I hope you can help. We were denied a claim from our contractors insurance company regarding the ...
A: I'm very sorry to hear about your situation. It's situations like this that give the insurance ...
|
| Appointments | 6/4/2009 |
Q: I am newly licensed agent in Florida and wanted to know what are the requirements for an independent ...
A: As part of their statutorily required process, all companies must run a background check prior to ...
|
| Homeowner's death impact on homeowner policy | 6/2/2009 |
Q: Home occupied by family members and homeowner died; property was held by owner in a grantor's trust ...
A: You're quite welcome. I try to get these out as quickly as I can...sometimes it takes me a little ...
|
| Homeowner's death impact on homeowner policy | 6/2/2009 |
Q: Home occupied by family members and homeowner died; property was held by owner in a grantor's trust ...
A: Underwriting guidelines will vary by company, but I will deal with the industry standard in ...
|
| 89 chevy van custom with lots of upgrades | 6/1/2009 |
Q: I was recently involved in an accident. I was hit from behind while stopped on I 95. I have a ...
A: I'm not clear as to whose insurance company you are referring to in your question so I'll try to ...
|
| Whos insurance co is responsible | 5/31/2009 |
Q: Rented a space in a private campground. Severe wind storm. Two trees crushed my house trailer. ...
A: Unfortunately, unless the trees were rotten and should've been cut down but the campground didn't ...
|
| ACV - REPLACMENT & DEPRECTION | 5/30/2009 |
Q: I have a total replacement value property policy. Major water damage that I fought for 6 months to ...
A: The "hold back" that the insurance company made is quite normal. Your policy pays replacement cost, ...
|
| Water Damage to Our Condo | 5/26/2009 |
Q: While repairing our wallboard and painting due to damage from a tropical storm last August, during a ...
A: I will preface my response with the disclaimer that I am not an attorney so any legal-related issues ...
|
| Insurance Appraisals | 5/26/2009 |
Q: I am a property manager of a Condominium Association. We were in need of an updated Insurance ...
A: Unfortunately, the term "insurance appraisal" is not defined in the Statute. As such, it's really ...
|
| Garage Liability | 5/20/2009 |
Q: I'm trying to insure someone that is contracted as a mobile mechanic to do repairs in customers ...
A: If I were an underwriter, I would probably prefer to write this type of risk using a CGL and BAC ...
|
| Tenant move out damage | 5/17/2009 |
Q: Tenant sold business, broke lease and moved out. New owner came in held auction to sell the ...
A: in that case, the landlord needs to have the auctioneer file a liability claim. If he refuses, the ...
|
| Homeowner insurance and use of property by school groups | 5/17/2009 |
Q: My husband and I live on about 40 acres, mostly wooded, in an area that is under a lot of ...
A: I commend you all for what you are doing and I think it sounds like a wonderful program! Unless ...
|
| Tenant move out damage | 5/16/2009 |
Q: Tenant sold business, broke lease and moved out. New owner came in held auction to sell the ...
A: I'm not real clear as to who allowed the buyers to come in. If it was the landlord, then I certainly ...
|
| non admitted carriers | 5/11/2009 |
Q: IN California why do some non admitted carriers create insurance brokerage firms to conduct ...
A: That's exactly my point. Since Western Risk is wholly owned by Lex, they don't pay any $$ to the ...
|
| non admitted carriers | 5/11/2009 |
Q: IN California why do some non admitted carriers create insurance brokerage firms to conduct ...
A: Actually, Lexington does that in many areas. In Florida, we have Florida Risk Specialists which is ...
|
| Townhome insurance | 5/8/2009 |
Q: I live in Florida and just discovered I live in a townhouse, not a condominium; however, my ...
A: Hey Frank, Your bylaws have created what we call a "contractual risk transfer"...meaning that you ...
|
| Townhome insurance | 5/7/2009 |
Q: I live in Florida and just discovered I live in a townhouse, not a condominium; however, my ...
A: In my opinion, you have a huge mess here. Since your setup there is NOT a condominium, there are no ...
|
| FL Southern Area water Damage to Unit Below | 5/6/2009 |
Q: I had a renter in my condo in south east FL Area. The shower valve for the hot water in tub in ...
A: The last time I checked, the decision as to whether someone was negligent was left up to the courts, ...
|
| Trpuble getting home owners insurance | 5/4/2009 |
Q: In August of last year we had a house fire that was declared on the fire marshals report as ...
A: I'm sorry to hear about your situation. You should be able to get the full claim report from ...
|
| comm gen liability - non licensed | 5/2/2009 |
Q: I am in California and just wrote a check for a commercial general liability policy . When I ...
A: The company your agent is placing you with is approved to do business in California, but is not an ...
|
| Starting a P&C agency | 4/25/2009 |
Q: I have been in the working with all lines of insurance and financial planning for the past 16 years. ...
A: My first recommendation is to contact your state's Independent Insurance Agents and Brokers of ...
|
| P&C Question from just starting up insurance representative | 4/24/2009 |
Q: okay first , what types of companys can I quote for a commercial policy? I want to start small but I ...
A: My first recommendation is to contact your state's Independent Insurance Agents and Brokers of ...
|
| FL condo toilet leak | 4/19/2009 |
Q: In your answer to Wendy, you said: "I'm at a slight disadvantage because I am not familiar with NY ...
A: Hey Pat, LOL...that's good reading for those nights when you have trouble falling asleep! ...
|
| Hit and run fatality | 4/18/2009 |
Q: My daughter was killed as she was crossing the street (not in the crosswalk) by a hit and run ...
A: I'm very sorry for your loss. As a father and a grandfather, my heart breaks for you. Some of what ...
|
| FL condo toilet leak | 4/17/2009 |
Q: In your answer to Wendy, you said: "I'm at a slight disadvantage because I am not familiar with NY ...
A: Condo laws relating to insurance are in Florida Statute 718.111(11). Here is a link to that ...
|
| Downward trend in claims-restoration work | 4/15/2009 |
Q: I work for a emregency restoration company in the Pittsburgh area. Lately the company I work for has ...
A: You might be able to find that kind of data from the Insurance Information Institute. They usually ...
|
| Water Damage from Unit Above me | 4/14/2009 |
Q: I own a condominium unit in South Florida and am covered by my own homeowner's insurance. Recently, ...
A: I can tell you that your insurance company probably could not recover your deductible for you if the ...
|
| Type of policy needed | 4/14/2009 |
Q: Jay, I am in the process of opening a mobile RV repair service. Trying to determine what type of ...
A: You should contact a local independent agent in your area...you may already do business with one. ...
|
| Tree fell on my car | 4/8/2009 |
Q: I live in senior housing, a tree fell on my car in this parking lot,it sprung front and back doors ...
A: I'm sorry to hear about your unfortunate incident. Unfortunately, unless the tree was in danger of ...
|
| Condo commom area water pipe damage | 4/2/2009 |
Q: I read some of your previous answers and I hope with your knowledge in this area you can help me ...
A: I'm telling you, the more condo questions I deal with, the more I know I will never own one! I feel ...
|
| tree trimmers insurance | 4/1/2009 |
Q: I own a small tree trimming service. I've been getting more request for insurance. I looked into it ...
A: Howard, I'm sorry you took my answer the wrong way and that you may have an incorrect ...
|
| Water damage to the condo unit below | 4/1/2009 |
Q: I discovered this site while researching for information on my liability of a recent water leak that ...
A: Ah...the joys of owning a condo! Most of the time they are much less hassle from a maintenance ...
|
| tree trimmers insurance | 3/31/2009 |
Q: I own a small tree trimming service. I've been getting more request for insurance. I looked into it ...
A: Unfortunately I'm not sure what your question is. If you are looking for prices, you need to ...
|
| pipe burst under foundation | 3/31/2009 |
Q: A couple of days ago I noticed water streaming out in a garden that is close to my house foundation. ...
A: I'm sorry to hear about your water issue. If the pipe burst because of wear and tear, I could ...
|
| homeowners HO5 | 3/30/2009 |
Q: I just received my renewal notice for my HO insurance. I noticed the premium was based on the ...
A: It's very easy to get confused about insurable values with all the other values that you are aware ...
|
| claim on truck | 3/29/2009 |
Q: How do i find out if my boss got payeed for a septic tank pumping truck that he let me park at his ...
A: I'm going to assume that you owned the truck. When a vehicle is a total loss, in order for payment ...
|
| cancelled homeowners insurance | 3/27/2009 |
Q: Our daughter's homeowner's insurance is not going to be renewed by the company. There was a ...
A: Since the incident was paid by the homeowners policy, that was the policy with the adverse claims ...
|
| cancelled homeowners insurance | 3/23/2009 |
Q: Our daughter's homeowner's insurance is not going to be renewed by the company. There was a ...
A: I apologize for the delay in my response. Somehow I missed answering your question. Your question ...
|
| Ghost Policy | 3/22/2009 |
Q: My father-in-law is self-employed; has trucking company with 2 tractor trailers; son-in-law drives ...
A: I can understand your concern. That being said, signing a contract does not make someone an ...
|
| Sheet rock in insurance | 3/20/2009 |
Q: I Hope you can help. My sister and I want to buy a villa/condo in Venice Florida. We want to form ...
A: I'm not sure what "sheet rock insurance" is. That's a new term for me and I've been doing this for ...
|
| Condo Inusrance & Liability. | 3/19/2009 |
Q: ~feel free to repost and remove from question board... What a fantastic site you have - I believe ...
A: You're quite welcome. I try to get to these as quickly as I can...some days I'm a little quicker ...
|
| Condo Inusrance & Liability. | 3/19/2009 |
Q: ~feel free to repost and remove from question board... What a fantastic site you have - I believe ...
A: Welcome to the joys and confusion of condo ownership! This is probably not going to be a fun ...
|
| AUTO ACCIDENT | 3/18/2009 |
Q: I HAD AN ACCIDENT ON FEBRUARY 14,2009. I WAS DRIVING A 2001 HONDA CIVIC THE OTHER PERSON A 2002 ...
A: Unfortunately, until the other person's insurance company talks to their customer you will be at a ...
|
| Mold and Water Damage to Condo Unit | 3/17/2009 |
Q: I own a condo on the 2nd floor in a three story complex in Panama City Beach Florida. I live in ...
A: Hey Ron, It's not uncommon for condo associations to be confused about what they are supposed to ...
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| Mold and Water Damage to Condo Unit | 3/16/2009 |
Q: I own a condo on the 2nd floor in a three story complex in Panama City Beach Florida. I live in ...
A: My first reaction comes in the form of a question. Why wasn't the association notified initially? ...
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| Homeowner Insurance Payment | 3/8/2009 |
Q: I live in Maine and my home has sustained substantial damage due to ice dams. My home was build in ...
A: Typically, insurance is set up so that someone cannot profit from the settlement, especially where ...
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| Property and Casualty Loss Dispute | 3/4/2009 |
Q: Last summer 9 duplexes I owned were broken into and all the copper was taken from them. Copper ...
A: Coinsurance came about many years ago as a result of deliberate under insuring of property values. ...
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| Business Income | 3/3/2009 |
Q: Is business income coverage available only to manufacturing/mercantile risks? Can this coverage be ...
A: When written under the ISO commercial property rules, Business Income is available to anyone who ...
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| house casualty loss | 3/2/2009 |
Q: My garage collapsed under extreme snow load. I received full reimbursement under my USAA coverage. ...
A: I'm sorry to hear about your collapse. I guess Florida isn't a bad place to live this time of year! ...
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| Agency Ownership | 2/27/2009 |
Q: I am a newly licensed P&C as well as Life and Medical agent. I would rather not be a captive agent ...
A: Welcome to the world of insurance! I'm going to assume from your question that you have no prior ...
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| RCN Exclusions | 2/26/2009 |
Q: Does the latest Florida statute regarding items excluded from hazard insurance HVAC? If so, does ...
A: The changes to the condo statute that were effective 1/1/09 (or the renewal of the master policy, ...
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| Auto dealers & Repo shops | 2/26/2009 |
Q: My question is if a car has been repossessed and taken to a repo yard before returning to the ...
A: I would think there should be some level of responsibility since they have custody of someone else's ...
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| Property and Casualty Loss Dispute | 2/18/2009 |
Q: Last summer 9 duplexes I owned were broken into and all the copper was taken from them. Copper ...
A: You actually have a very difficult question to answer without being able to see the documentation. ...
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| Homeowners Ins. | 2/13/2009 |
Q: Our front steps are starting to sink and lean, the hand railing was attached to brick on the front ...
A: I wish I had better news for you...but typically, claims resulting from settling of the ground under ...
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| Mold in my condo | 2/11/2009 |
Q: My condo is only 2 years old. I have mold on an interior wall of the master bedroom and in the ...
A: Much of the answer to this question depends on where your condo is located. If it's in Florida, ...
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| homeowners policy and business on premises insurance | 2/5/2009 |
Q: If I open a stable business on our land/property will my homeowner's policy be cancelled? We would ...
A: I apologize for the delay in my response...I've been out of town. Unfortunately, many companies are ...
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| Roof damaged by hail storm | 1/29/2009 |
Q: I live right outside of Atlanta in Monroe, Georgia. Last Spring (March & May to be exact), there ...
A: Most states have Statutes that limit the time for filing claims on certain lines of ...
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| Car damage on mechanic's lot | 1/25/2009 |
Q: I gave my mechanic my credit card number to pay the bill for some transmission work and a tie rod ...
A: Whether or not the doors were unlocked should not make a difference. Leaving your car with your ...
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| Theft by volunteer personal care attendant of disabled person | 1/22/2009 |
Q: I didn't see any postings with a question like this, so I hope it is okay to ask. In a nutshell, ...
A: The more documentation you have, the better you are able to substantiate your values...insurance ...
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| Theft by volunteer personal care attendant of disabled person | 1/22/2009 |
Q: I didn't see any postings with a question like this, so I hope it is okay to ask. In a nutshell, ...
A: I'm very sorry to hear about your loss...especially when you were counting on people that should ...
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| Required to get workman's comp for self-employed person | 1/22/2009 |
Q: I am a limousine driver that works solely for one company and drives a company car. I get paid a ...
A: I'll preface my response with the disclaimer that I am not familiar with IL law regarding workers' ...
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| Water Damage in Condo | 1/17/2009 |
Q: I have a condo in Panama City, FL. It is on the 2nd floor of a 3 floor unit. I live in Michigan ...
A: Ron, Under current law, you are responsible for the AC unit, so that part of the cleanup is yours. ...
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| rims and tires | 1/14/2009 |
Q: Would there be coverage for car tires and rims under a homeowner's policy if they were off the ...
A: The answer to your question will vary depending on the actual policy form. There are two versions of ...
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| Water Damage in Condo | 1/13/2009 |
Q: I have a condo in Panama City, FL. It is on the 2nd floor of a 3 floor unit. I live in Michigan ...
A: I would not recommend a lawyer...he'll be the only one that comes out ahead. If you have any ...
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| Searching information from Lic.# | 1/12/2009 |
Q: How if possible can we search for any information on a property insurance adjuster with the ...
A: Here's a link that might help you. I'm not sure if adjusters will come up here but I do know that ...
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| Water Damage in Condo | 1/11/2009 |
Q: I have a condo in Panama City, FL. It is on the 2nd floor of a 3 floor unit. I live in Michigan ...
A: Ah, the joys of owning a condo! Unless the association can prove that you knew there was a problem ...
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| Vandalism auto | 1/2/2009 |
Q: While staying at the JW Marriott VIllas which I had rented, my car was vandalized. The Marriott had ...
A: This may be a little more difficult to understand but I'll do my best to simplify it as best I can. ...
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| Vandalism auto | 12/29/2008 |
Q: While staying at the JW Marriott VIllas which I had rented, my car was vandalized. The Marriott had ...
A: I apologize for the delay. I answered your question the other day but must have closed out the ...
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| Third party personal property damage | 12/28/2008 |
Q: Williams: 12/27/08 Recently my neighbors underground power line failed ...
A: I'm sorry to hear about your loss. Hopefully I can give you some ammunition to aid in your fight. ...
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| Insurance Claim / Contractor Estimate | 12/22/2008 |
Q: We recently had hurricane damage and have a current insurance claim. The contractor has asked to see ...
A: I understand your concern. The only thing I would counter that with is what if his estimate is MORE ...
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| Auto Insurance | 12/16/2008 |
Q: How much insurance should I have on my car to make sure I am completely covered? In NC the minimum ...
A: When I was on the agency side, my standard answer would be $1 more than the greatest amount you ...
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| Kentucky fire insurance | 12/11/2008 |
Q: Kentucky law. My sister was purchasing a mobile home from a mobile home sales company. I then ...
A: I'm sorry to hear about your loss. Your question is really more of a legal issue rather than an ...
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| coinsurance Clause | 12/5/2008 |
Q: Can you show ramifications of having coinsurance at 125%? Thanks and what are the advantages?
A: Since you mention 125% coinsurance, I will assume your question is relating to Business Income. ...
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| parked auto damaged...who is responsible | 12/2/2008 |
Q: My husband was plowing out our Michigan Driveway 12/5/07 after a snowstorm. He was working for cash ...
A: Unfortunately, since the vehicle that caused the damage was a company vehicle, the insurance that ...
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| Insuring a roadside assistance company | 12/2/2008 |
Q: I am starting a roadside assistance company that will be serving as a subcontractor for companies ...
A: Certainly, the on-hook coverage does not apply since you will not be doing any towing. However, ...
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| registering boyfriend's car under my name --liability/implications | 11/25/2008 |
Q: I live in Ca. My boyfriend wants to buy a car and register in it my name as he has outstanding debt ...
A: This is something you should probably check with your agent about. Some companies have restrictions ...
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| registering boyfriend's car under my name --liability/implications | 11/24/2008 |
Q: I live in Ca. My boyfriend wants to buy a car and register in it my name as he has outstanding debt ...
A: I'm not sure what the legal ramifications would be so you may want to ask someone in the legal field ...
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| liability for act of a minor | 11/22/2008 |
Q: Our 8 year old son hit an LCD TV at our friends' house and broke the screen. The TV was bought less ...
A: Unless you have a spare $1,400 sitting around that you have nothing else to do with, I would file ...
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| homeowners insurance | 11/22/2008 |
Q: Sept we had a huge storm which resulted in a power surge to my home. i lost everything that was ...
A: I'm sorry to hear about your power surge problem. Unfortunately, the fact that the home was not ...
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| Condo Insurance | 11/18/2008 |
Q: 11/18/08 Dear Jay, I have just been notified by my condo association of the changes made to condo ...
A: I just happen to be in Miami this week. Go to www.faia.com. In the upper right corner you'll aee a ...
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| Condo Insurance | 11/18/2008 |
Q: 11/18/08 Dear Jay, I have just been notified by my condo association of the changes made to condo ...
A: Welcome to the world of condo living in FL! Let me start by telling you not to fret too much over ...
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| Florida License Suspension | 11/18/2008 |
Q: While delivering blood in a blood bank vehicle, I had a minor accident in stop and go traffic on the ...
A: I'm very sorry to hear about your situation. Unfortunately, your question is more of a legal nature ...
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| General Liability vs Garage Liability | 11/17/2008 |
Q: If you have a tire dealer with installation services as well as small auto repair work, is it best ...
A: The major part of your decision will probably be determined by the carrier. About five years ...
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| Homeowners Policy & LLC | 11/14/2008 |
Q: We have a rental home owned by an LLC - financing is in our personal names. Our bank wants the ...
A: Your bank is probably trying to comply with Federal lending laws. There could be legal ramifications ...
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| insurance settlement | 11/13/2008 |
Q: We had severe wind damage to our barn, out building & home roof. The insurance company is issuing a ...
A: I'm sorry to hear about your wind loss. Since the policy protects the interest of the mortgagees as ...
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| Leasing Beach Property, Insurnace needed | 11/6/2008 |
Q: I am trying to lease a vacant lot at the beach from the owner. I would be parking a travel trailer ...
A: Some companies will let you add this to your current policy as an additional location to which ...
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| California HOA Board | 11/5/2008 |
Q: Can you tell me please, if there is a California state equivalent to the Flordia Department of ...
A: I've checked with some contacts in CA. While there are some detailed provisions in the CA civil ...
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| Renters Insurance on Home with Problems | 11/4/2008 |
Q: I would like to get renters insurance in WA state but our rental has some electrical problems that ...
A: I'm not really sure that I'm understanding your question. You refer to the tenants, but I think you ...
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| Insurance Settlement | 11/3/2008 |
Q: I recently received a check from my homeowners insurance for almost $12,000.00 for damage due to a ...
A: When the company estimates the cost of repairs, they are generally not far off. I would wait until ...
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| Can I be my own contractor. | 10/30/2008 |
Q: I want to be the general contractor with regards to repairs to my home. Is the insurance company ...
A: If Texas law allows you to be your own contractor then there is a possibility that the insurance ...
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| Homeowners Policy claim denial | 10/23/2008 |
Q: I am wondering if this denial is valid. I live in TX and i filed a claim with my homeowners ...
A: I apologize for the delay. I answered this question a few days ago but I must have exited before I ...
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| leaking lani | 10/22/2008 |
Q: I have had a leak on my lani going on two years. My association acknowledges this may be coming from ...
A: Condo living can be a real pain from time to time, wouldn't you agree? The association needs to ...
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| Dead tree - question of ownership | 10/20/2008 |
Q: I read with interest your answer to another question about liability related to a tree of ...
A: I apologize for the delay in responding. I was out of town at a strategic planning meeting and did ...
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| Question about appointments.. | 10/17/2008 |
Q: Currently, I hold a Florida 215 and am in the process of taking the online prelicensing course for ...
A: First of all, good luck on your licensing exam. I write the study manual and I would encourage you ...
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| Mold Infestation | 10/16/2008 |
Q: I own a downstairs condo in Panama City Beach, Florida. The condo above me has apparently had a leak ...
A: I'm sorry to hear about your situation. It's obvious to me that your Association is not aware of ...
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| car damage while at work | 10/2/2008 |
Q: My car was vandalized while it was parked in our company parking lot. Security cameras did not get a ...
A: Please don't misunderstand me, you certainly are well within your rights to confront the security ...
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| Homeowners policies | 10/1/2008 |
Q: I had to change insurance companies last year because Metropolitan stopped writing. I ended up with ...
A: You're in an area of FL that companies love to write business. One drawback is the age of your ...
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| ROOFTOP POOL LOCATED DIRECTLY ABOVE MY UNIT | 9/23/2008 |
Q: I've been shopping around for Condo owner's insurance, and several insurance companies(i.e. ...
A: Water damage is probably the most common claim with insuring condominiums...be it the unit owner or ...
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| Bailee's covg vs. GL CCC endorsement | 9/22/2008 |
Q: I have a client that repairs and services freezers, both onsite and takes the items back to his ...
A: I'm not aware of any CCC endorsements...at least none that ISO has published. The only way I can ...
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| Homeowners claim | 9/21/2008 |
Q: My home sustained water damage as a result of a pipe being cut too short by the plumber. The home is ...
A: I'm not really sure that diminished value applies to an asset that appreciates. One of the problems ...
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| Fire insurance | 9/19/2008 |
Q: Williams, The roof of my father's condo recently caught on fire, causing severe structural damage. ...
A: I'm very sorry to hear about your father's predicament. Most states have laws that deal with ...
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| Homeowners Insurance - estate | 9/19/2008 |
Q: My greatgrandmother passed away several weeks ago. the Insurance on the house she co-owned with her ...
A: I'm sorry to hear about the loss of your great grandmother. If the house is damaged by a covered ...
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| contractor caused damage | 9/17/2008 |
Q: A national chain's contractor improperly repaired our dishwasher causing our hardwood floors to ...
A: Here's the deal...if you were to have your homeowners policy pay the loss, they would go back ...
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| added damage due to insurer demands | 9/17/2008 |
Q: I am a mechanic (employee) for a shop. {so I am not the insured nor owner of the shop} The shop ...
A: I'm not sure what harm it would have caused if you had taken your tools out so you could clean them ...
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| moisture problems | 9/16/2008 |
Q: We bricked around our house which is off of the ground. With only one side open it created a ...
A: I'm sorry to hear about your loss. One thing to remember is that, while you have a homeowners ...
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| Homeowner's insurance | 9/13/2008 |
Q: I have recently advised my insurance company of a water damage claim, caused by a leaky shower ...
A: What you've stumbled upon is the age old question of what the actual loss really is. In reality, ...
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| House fire Nov 2007 and current cost of building materials | 9/12/2008 |
Q: Hey Jay. My house caught fire last November. We had to gut it becasue of smoke and heat damage. ...
A: With the books, I think I would work it out with the adjuster. If there is no list of books damaged ...
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| House fire Nov 2007 and current cost of building materials | 9/11/2008 |
Q: Hey Jay. My house caught fire last November. We had to gut it becasue of smoke and heat damage. ...
A: It most certainly is. In the typical homeowners policy, the loss settlement for building damage is ...
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| Insurance Coverage/Liability | 9/9/2008 |
Q: I've read a number of articles about liability of tree damage if "your tree fell on your neighbor's ...
A: Trees are always a source of problems, especially when they fall. Unless the tree that falls was ...
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| condo water damage & mold | 9/8/2008 |
Q: My condo has water damage in the exterior walls resulting form water leaking in from where the brick ...
A: I'm very sorry to hear about your situation. This may be more of a legal question than an insurance ...
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| named non-owned policy | 9/2/2008 |
Q: are you aware of any state that requires a licensed driver to have this type of policy?
A: There may be times when someone MUST purchase such a policy. A good example is here in Florida, ...
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| condo association responsibility | 8/28/2008 |
Q: My condo is being rebuilt from wilma. New up to code wiring was required. The association says that ...
A: This sounds eerily similar to a question I got from one of our member agents just last week. The ...
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| Need Insurance to cover a Canon GL1 Camcorder | 8/21/2008 |
Q: Hello, recently I bought a professional camcorder and a wide angle lens for college. (2,500$ worth ...
A: Please excuse the slowness of my response. Due to Tropical Storm Fay, our servers were down and I ...
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| force placed insurance | 8/20/2008 |
Q: Three days ago my home was struck by lighning and caught fire.. My home is a total loss.. I have an ...
A: Jessica, I'm very sorry to hear about your loss. Unfortunately forced-placed coverage typically ...
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| Liability coverage | 8/20/2008 |
Q: We are currently trying to settle a claim against a plumber whose negligence caused extensive damage ...
A: Please excuse the slowness of my response. I was out of the office and then we had power outages ...
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| SF insurance/water | 8/18/2008 |
Q: A couple of weeks ago water started coming into the basement. After turing off inside water and ...
A: Has SF given you a reason for their denial of the claim? When a company denies a claim they must do ...
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| mold | 8/9/2008 |
Q: I own a condo in southwest Florida. I recently had a water supply problem which leaked into my unit ...
A: Looks like the adjusters are now trying to separate the gnat poop from the pepper...a very tough ...
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| Car accident on a commercial property | 8/5/2008 |
Q: I hit an unmarked fence guide in the dock area of a shipping company's property. Caused no damage to ...
A: If you could show that the shipping company was negligent in not marking the fence guide, then you ...
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| Drywall Coverage | 8/2/2008 |
Q: I own a condo in southwest Florida. I recently had a water supply problem which leaked into my unit ...
A: I would start with the DBPR's condo division. Here is the contact information: Division of Florida ...
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| affordable P and C for broker | 7/29/2008 |
Q: Please list the names of several affordable E and O companies that offer property and casualty ...
A: I would recommend contacting your state affiliate for the Independent Insurance Agents and Brokers ...
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| Flooded basement | 7/24/2008 |
Q: We bought a house in October of 06. When we bought we were told that the basement flooded in only 1 ...
A: I'm very sorry to hear about your water issues. Unfortunatetly, it looks like you need legal advice ...
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| worker and use of company truck | 7/24/2008 |
Q: i had 2 persons working for me and one of them was responsible for driving the truck, since the job ...
A: What you really have here is a legal question and not an insurance question. I will tell you my ...
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| multiple deductibles | 7/23/2008 |
Q: I have 2 commercial property policies one with a $1000 ded. and one with a $100,000 ded. If I had a ...
A: I'm not sure I understand...are you saying that you have two separate policies on the same property? ...
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| Fire Damage | 7/19/2008 |
Q: A fire occurred at my investment property, with damages estimated to exceed $120,000. My insurance ...
A: Hey Jeff, First of all, I would think the weak housing/construction market would make the cost of ...
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| Diminish value of vehicle | 7/18/2008 |
Q: I'm in NC, I want to know if the cost of repairs has anything to do with determining the diminish ...
A: I'm not aware of any specific guidelines used to determine diminished value. Perhaps Georgia law ...
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| Diminish value of vehicle | 7/17/2008 |
Q: I'm in NC, I want to know if the cost of repairs has anything to do with determining the diminish ...
A: Unfortunately, most states excluded diminished value as being compensable under a physical damage ...
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| startup | 7/17/2008 |
Q: i just became licensed as P&C broker. have a lot of clients. where can i get start to look for ...
A: If you don't have access to your own markets, the best way to get going is to start with some ...
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| p@c | 7/16/2008 |
Q: my daughter drives a borrowed auto for all of her transportation needs, she has her own car but ...
A: Michael, If your daughter is using a vehicle that could be deemed as "regularly available" for her ...
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| Condo Insurance | 7/15/2008 |
Q: I am a real estate appraiser in SW Florida and I understand that condo complexs must be appraised ...
A: Hey Mark, It's nice to hear someone in the appraisal industry want to do the insurance appraisal. ...
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| Question about responsibility of a general contractor | 7/13/2008 |
Q: In 2/ 08, our basement flooded. We didn’t have a waterproof system, so everything was torn out. The ...
A: I'm very sorry to hear about your water damage issues. I would agree that if he did not install a ...
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| Tree Falling on our property & damages | 7/13/2008 |
Q: Williams, Here is ourour neighbor's tree that is totally located on their territory (including all ...
A: Boris, I'm very sorry to hear about the damage to your house. Unfortunately I'm not going to have ...
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| CONDO INSURANCE | 7/11/2008 |
Q: CAN OUR ASSOCIATION COVER OUR CONDOS AS INDEPENDENT HOMES EVEN THOUGH THEY ARE ATTATCHED TOWNHOMES, ...
A: Joseph, Thanks for the update. I would tend to think that you all are NOT a condo association based ...
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| Drywall Coverage | 7/10/2008 |
Q: I own a condo in southwest Florida. I recently had a water supply problem which leaked into my unit ...
A: Typically, when the cost to make repairs is less than the deductible, the amount is assessed to each ...
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| Drywall Coverage | 7/8/2008 |
Q: I own a condo in southwest Florida. I recently had a water supply problem which leaked into my unit ...
A: Mr. Cowden, Sometimes condo living does have its challenges. In this case, the adjuster is ...
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| commercial liabiltiy | 6/29/2008 |
Q: I own a business and a homeless person who was often on the property and records show police were ...
A: I'm very sorry to hear about your unfortunate incident. There's always a possibility that the ...
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| Condo Coverage vs. Condo Association Responsibilti | 6/23/2008 |
Q: I am an owner of a condo in Boca Raton that had a toilet leak in the master bathroom. The leak ...
A: I'm sorry to hear that you are continue to have issues with your condo association. While they may ...
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| teen hit on bicycle | 6/22/2008 |
Q: My son was struck by a truck while crossing in a marked crosswalk. In speaking with the teens that ...
A: I'm very sorry to hear about your son. Most of what you're asking me should probably be addressed ...
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| Tree damage | 6/18/2008 |
Q: Several weeks ago while out of town for surgery a neighbors tree trimming crew, contracted by the ...
A: First of all, I would think the tree trimmer would be guilty of trespassing if they came on your ...
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| Where to find what the law is concerning fallen trees in our state/county | 6/16/2008 |
Q: During the last thunderstorm, a large tree fell on our property as well as the neighboring property ...
A: Unfortunately, since your actual question deals with legal issues, I will not be able to give you ...
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| Hurricane Charlie Homeowner's Claim | 6/13/2008 |
Q: I suffered some loss during Charlie, most of which was reimbursed to me (less depreciation). The ...
A: Sorry for the delay. I'm currently out of town and this is my first opportunity to access the ...
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| auto damage when friends tree fell on it | 6/11/2008 |
Q: My daughter has direct insurance. liability and non insured/under insured. She was at a friend house ...
A: Theresa, This type of loss is usually considered accidental and would normally be covered by your ...
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| SR-1 form to be submitted? | 6/5/2008 |
Q: we've discovered that some one dented the boot of our car without leaving any name or address. We ...
A: I'm not sure what an SR-1 is, but I would assume it's probably some sort of accident report (by the ...
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| Condo Coverage vs. Condo Association Responsibilti | 5/21/2008 |
Q: I am an owner of a condo in Boca Raton that had a toilet leak in the master bathroom. The leak ...
A: Hey Joseph, Here's a link to the Florida Statute that applies...(copy and paste it into your ...
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| Contractors/Insurance Estimate | 5/16/2008 |
Q: My home was badly damaged in a tornado in MS 4/4/08. The adjuster has been our and made an estimate ...
A: Hey Byron, Sorry to hear about your tornado damage. I really don't see a need to cover up the ...
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| comp and collision insurance | 5/14/2008 |
Q: do you know where i can purchase comp and collision insurance for an older 1997 lexus. i want a ...
A: Robert, Many companies include that automatically because the policy wording includes coverage. ...
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| Baseboards | 5/12/2008 |
Q: My owners insurance states that under the FL statue 718.111 that is included under this statue. I ...
A: Mayte, Florida Statute 718.111 (11) is the statute that dictates who insures what property within ...
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| duplex insurance question | 5/6/2008 |
Q: We currently have a condo association for duplex house. Both sides are owned by different people(one ...
A: Sudhee, Is this the only building in the association? Is it set up as a condominium association or ...
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| Insurance on a totaled vehicle | 4/20/2008 |
Q: I was involved in a MVA on 04-08-08 I did not have collision insurance on the car. My Car is a 1993 ...
A: Janet, It sounds to me like they are considering your vehicle a total loss. When that occurs, you ...
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| Rental fire | 4/7/2008 |
Q: My friend recently had a fire in her rental house. Her son was taking some medication and fell ...
A: I'm very sorry to hear about your friend's situation. Negligence and liability are typically ...
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| Insurance | 3/26/2008 |
Q: I hit someones car 3 years ago. They have not reported it or filed anything. What is the limit on ...
A: If there was never an accident report filed with the police then it really becomes hard to prove. ...
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| Insurance | 3/26/2008 |
Q: I hit someones car 3 years ago. They have not reported it or filed anything. What is the limit on ...
A: Statutes of limitation vary from state to state so I can't tell you if your state law limits that or ...
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| auto insurance | 3/25/2008 |
Q: i just got my p & c brokers license, would like to start my own agency doing auto insurances please ...
A: Hey Roger, Welcome to the business! I don't know what state you're in but I would recommend ...
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| homeowners insurance. | 3/21/2008 |
Q: Allstate ins. Co just cancelled my homeowners insurance because my home in Broward County, Fl. is ...
A: Unfortunately I cannot recommend specific agents or companies. That being said, I am giving you a ...
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| Post-accident rental car rules? | 3/18/2008 |
Q: I live in NC and was in an accident that was not my fault. The other guy's Met Life policy is ...
A: Claims are never fun so I can certainly empathize with your situation. While Met may be being a bit ...
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| Lenders Mortgage Insurance & The Credit Crunch | 3/16/2008 |
Q: I live in Australia and am looking into LMI as part of a project at collage. Iam unsure if ...
A: I'm not sure I can help you with your questions. I think when you say LMI you may be referring to ...
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| Condominium Insurance Claim | 3/11/2008 |
Q: Last year we had an assessment for damage from Hurricane Wilma to pay for all the repairs. The ...
A: I wish I could answer your question. Unfortunately it really is not an insurance question. The ...
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| Port | 3/11/2008 |
Q: I am seeking to obtain my P&C license in Virginia. What has been holding me back is that I know ...
A: Unfortunately I'm not familiar with the licensing laws in Virginia. That being said, in many states ...
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| duplex insurance | 2/21/2008 |
Q: My husband and I own a duplex he was suppose to be taking care of everything but I just found out he ...
A: The type of coverage will depend on whether or not you live in it. If you live in half and rent out ...
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| Car damaged on work parking lot. | 2/18/2008 |
Q: I worked a night shift at McDonalds from 11pm-7am. Our policy is that the staff with vehicles are to ...
A: I'm sorry to hear about your vehicle damage. Unfortunately, having a sign or not having a sign ...
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| PROPERTY & CASUALTY INS | 2/12/2008 |
Q: My stuff was stolen from my storage unit. I called to make a payment for the first month and they ...
A: I'm very sorry to hear about your unfortunate situation. Unfortunately, without a copy of the ...
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| driving a company insured car | 2/8/2008 |
Q: I was in a aoto accident a few years ago.I obtained an attorney right away.I was unable to keep my ...
A: I'm very sorry to hear about your situation. I'm not sure I'm fully clear on what policies you ...
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| Homeowner's legal liability for renters/negligence? | 2/3/2008 |
Q: What is the name of your state? TX A renter's family has a bad reputation (teenage kids and their ...
A: Hey Eric, Certainly a court could hold the parents liable for the actions of the renter's children ...
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| Auto insurance | 1/31/2008 |
Q: We are purchasing a new vehicle and I have a couple of questions. My concern is that my girlfriend ...
A: I can certainly understand your concern. Here are the answers to your questions: Can the car be ...
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| did i wait too long to make a claim? | 1/30/2008 |
Q: I got rear ended about 6months ago, but there didn't appear to be any real damage (except I noticed ...
A: It's amazing how much those minor repairs cost these days. Those bumpers are now made in such a way ...
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| House burnt down, insurance wont pay | 1/23/2008 |
Q: We lost our home due to a fire in May 2006. We had to demolish it completely. Our Insurance ...
A: I'm very sorry to hear about your loss. First of all, I want you to be assured that Nationwide is ...
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| drywall and mold | 1/22/2008 |
Q: .. I live in a condo in South Florida and my neighbors upstairs had a problem with their washer hose ...
A: The first thing to keep in mind is that 718.111(11) only deals with insurance related losses. If ...
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| homeowners or car insurance | 1/17/2008 |
Q: Strong wind from a storm carried property from my yard across a street and struck a vehicle parked ...
A: Mike, Certainly you could file a claim and ask your carrier to pay the damage. There is a coverage ...
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| mold | 1/15/2008 |
Q: I live in a condo in South Florida. I have mold growing on my bathroom walls. There is no apparent ...
A: If this is an insurance-related issue...caused by a covered loss...then the association is ...
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| Garage Liability | 1/11/2008 |
Q: Two employees working on vehicle. One drains oil but does not replace with new. Then the vehicles ...
A: Leslie, The Garage Policy is more restrictive in its exclusions and the CCC exclusion applies to ...
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| damage to car by towing company | 1/11/2008 |
Q: recently my car was involved in an accident and was towed away from the accident scene to the towing ...
A: Hey Pam, You might check with some friends to see if they know any attorneys...otherwise your only ...
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| Homeowners Policy coverage | 1/10/2008 |
Q: I live in Georgia and we recently had several days of below freezing weather..during that time, the ...
A: Owen, You definitely have an ISO HO-91 form. I agree with you...that particular exclusion relates ...
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| Homeowners Policy coverage | 1/10/2008 |
Q: I live in Georgia and we recently had several days of below freezing weather..during that time, the ...
A: We've had some pretty cold mornings here in North Florida so I understand your situation. Much of ...
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| damage to car by towing company | 1/10/2008 |
Q: recently my car was involved in an accident and was towed away from the accident scene to the towing ...
A: I'm sorry to hear about your problem with the towing company. Certainly the towing company is ...
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| Coca Cola | 1/9/2008 |
Q: I bought a case of 20 can Coke. I asked my son to get me a coke out of the fridge and open it for me ...
A: Joe, I wouldn't let them take the can. I also wouldn't recommend contacting an attorney until you ...
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| fire claims | 12/31/2007 |
Q: I had a total fire loss (claims exceeding $400000) in 2003. Since then, I changed insurers. A few ...
A: Hey Mark, I'm sorry to hear about both of your losses. I can understand your dilemma. Hopefully I ...
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| auto & renters claim | 12/13/2007 |
Q: After having dinner out at a restaurant last night, my boyfriend and I went to the parking lot and ...
A: I'm sorry to hear about your unfortunate event, especially so close to the Holidays! Unfortunately ...
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| Rental Fire | 12/10/2007 |
Q: In July, there was a fire in the home I was leasing. The fire marshal has it recorded as a no-fault ...
A: Rechel, I'm sorry to hear about your situation. You should be able to get a copy of the fire ...
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| Rental Property damage | 12/7/2007 |
Q: If I become liable for property damage due to an electrical fire can I repair the damages myself in ...
A: I'll rely on my answer in the last question for most of the questions you have here. IF...and ...
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| Damages to rental apartment caused by electrical fire | 12/7/2007 |
Q: My questions are am i liable to make repairs to the apartment due to an electric fire that slightly ...
A: Tekoa, You're question is actually a little more complicated than it sounds. True legal liability ...
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| broken tile | 12/3/2007 |
Q: there are several tiles that are broken under my pool table from billard balls falling on the floor. ...
A: Hey Jack, This claim and the shower pan that I just answered are definitely two separate issues. ...
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| shower pan | 12/3/2007 |
Q: i live in south florida and im insured with liberty mutual. my upstairs bathroom shower pan is at ...
A: Jack, Liberty typically uses its own form and may not read the same as the industry standard ...
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| Fire loss | 11/20/2007 |
Q: My home recently burned down and the insurance company is totaling the property. The house was 2700 ...
A: First of all let me say that I am very sorry to hear about your loss. I've been in the business for ...
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| Fire insurance check usage | 11/16/2007 |
Q: My house was damage in the recent fire and I received a check from the insurance company but the ...
A: Duke, Sorry to hear about your fire. Any time there is a mortgagee on an insured property the ...
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| Insurance Adjuster/ Independent Agency | 11/15/2007 |
Q: Williams, After putting my aspirations to become a private investigator on hold for awhile, I am ...
A: Mike, I apologize for the slowness of the response. I had some surgery and just got home from the ...
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| son's injury | 11/9/2007 |
Q: our son is covered under our auto policy, he is 18 and lives at home. he was riding a friends ...
A: Patti, Texas does not offer "stacked" UM...I did some research. The Texas form does apply to ...
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| son's injury | 11/9/2007 |
Q: our son is covered under our auto policy, he is 18 and lives at home. he was riding a friends ...
A: I'm very sorry to hear about your son. It's a shame that when we drive we have to drive not only ...
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| Homeowner's insurace for faulty work | 11/4/2007 |
Q: We had roof damage from the hurricane a couple of years ago and the roofer did not install the roof ...
A: John, I'm sorry to hear about your misfortune. The good news is that there is nothing in the ...
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| Condo Ins surplus | 10/31/2007 |
Q: We had damage to 2 buildings from hurricane Wilma and reached a settlement with our Property Ins ...
A: Now there's a switch! This is probably the first question I've encountered where someone actually ...
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| Homeowners insurance claim | 10/21/2007 |
Q: My fence is original to the house - 24 years old now, and has been falling apart a little at a time. ...
A: Hey Dave, Sorry to hear about your fence. One thing you should be aware of is that Homeowners ...
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| value of an agency | 10/20/2007 |
Q: Mr. Williams I have a shot in the dark question, Would you happen to know what the purchase value of ...
A: Your question is a good one and not a very easy one to answer. I'll preface my answer with the ...
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| E & O versus General Liability | 10/12/2007 |
Q: My boss's business is a hospital pharmacy software business. It is home based and we never have ...
A: Brenda, I apologize for the delay in my response. I just got back into town late last night. The ...
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| Liability Insurance | 10/4/2007 |
Q: how are you? Last week, I started my home based small business LLC. The business is about special ...
A: It sounds like you're about to embark on quite a journey. You're going to definitely need some ...
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| Coke truck damage some of my business | 10/2/2007 |
Q: A Coca Cola truck ran into a portion of my "outside" car wash sprayer which damaged it enough for it ...
A: Certainly any loss of income due to the damage is considered to be part of the Property Damage ...
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| car ins depreciation | 9/26/2007 |
Q: I had an accident with my 06 dodge charger and the repairs are in excess of 5000.00 the car is ...
A: Craig, I'm sorry to hear about your accident. I'm not sure what you mean by "the car is a tagged ...
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| Commercial Auto Policy | 9/25/2007 |
Q: I have a commerical client who has supplied autos to some of their top managers. Each of the ...
A: You need to add Drive Other Car coverage to your insured's Business Auto Coverage form. DOC can ...
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| Cargo Insurance | 9/19/2007 |
Q: My husband and I are looking into starting a hot shot trucking company, small loads, no 18 wheelers. ...
A: I would start by looking in your local yellow pages and locating agencies that specialize in ...
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| HO5 Insurance | 9/1/2007 |
Q: Can you please explain the difference in an HO5, HO3, or regular homeowner's policy? I am trying to ...
A: Alane, Before the HO5 came out all an agent needed to do was add an HO15 endorsement to the HO3 to ...
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| HO5 Insurance | 9/1/2007 |
Q: Can you please explain the difference in an HO5, HO3, or regular homeowner's policy? I am trying to ...
A: Both the HO3 and the HO5 are excellent coverage forms. Both forms are open perils on the ...
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| Homeowner's claim | 8/31/2007 |
Q: We had some water damage on our home. We had the damage repaired in 2006. It didn't occur to us ...
A: Statutes of Limitation vary from state to state so that part of your question is difficult to ...
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| Homeowners insurance | 8/28/2007 |
Q: I chose not to renew my Florida homeowners insurance policy with my company of 20 years because of ...
A: Ric, As a long-time insured with your prior carrier (20 years), they chose to keep coverage in ...
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| Homeowners insurance | 8/28/2007 |
Q: I chose not to renew my Florida homeowners insurance policy with my company of 20 years because of ...
A: While I don't know who your prior carrier was, I sure hope your new agent informed you of the ...
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| Tenant causes fire in my duplex | 8/27/2007 |
Q: On May 18, 2007, my former tenants left a very old radio plugged in; the cord overheated and caused ...
A: Myra, I'm very sorry to hear about your situation. I'm surprised (well, maybe not) that your ...
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| insurance claim | 8/24/2007 |
Q: I would very much appreciate some help in dealing with my insurance company regarding 2 claims. I ...
A: I'm very sorry to hear about your unfortunate events. Sounds like is was not the best vacation ...
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| Scooter Manufacturer "test driving" insurance | 7/31/2007 |
Q: Jay, I have a reoccurring problem with an agent questioning insurance coverage for the insured who ...
A: Mike, This is one of those questions that if you ask 10 people you'll get 11 answers! I would ...
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| Auto Salvage | 7/27/2007 |
Q: My 1999 Elantra, Hyundai was involved in a hit and run accident which cause over $4,000 in damages. ...
A: When an insurance company totals a car, they pay you the actual cash value of the vehicle and the ...
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| Auto Accident | 7/27/2007 |
Q: I was in a car wreck six days ago, I never went to the doctor because I didn't feel any pain at this ...
A: Hey James, Again, I would just reiterate that a lawyer is not the answer. As you can see, they ...
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| Auto Accident | 7/26/2007 |
Q: I was in a car wreck six days ago, I never went to the doctor because I didn't feel any pain at this ...
A: I'm sorry to hear about your unfortunate accident. I wish you the best. My first words of advice ...
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| Homeowners Insurance | 7/25/2007 |
Q: I recently had a insurance policy cancel on me for non-payment. I have a finance company that ...
A: You certainly have a dilemma to deal with here. First of all, it is a common misconception that ...
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| House fire insurance wants to repair I build homes for a living and I think it needs to be rebuilt | 7/19/2007 |
Q: On June the 1st at 4:00 am our house caught on fire the house was severely damaged.My question is ...
A: It's not unusual for there to be a disagreement between what you want done and what the company ...
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| comprehensive auto coverage when you're at fault | 7/18/2007 |
Q: I'm asking this on behalf of a good friend who lives in N.J.: During a recent really bad storm out ...
A: Sometimes decisions are tough and it looks as if your friend had a VERY tough one to make. I don't ...
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| at fault accidents | 6/25/2007 |
Q: The 2nd day after purchasing a 2007 honda civic I backed it into a brick wall. This damage was ...
A: I wish I could give you an accurate prediction on what to expect. Most companies have a set ...
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| Brooks Franchise | 6/13/2007 |
Q: Williams, I currently work as a sales agent for 21st Century Insurance Company, and for a while now ...
A: Natan, Unfortunately I don't feel comfortable commenting on Brooke's franchising operation. I will ...
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| Insurance payout | 6/10/2007 |
Q: I was riding my bicycle on a legal bike lane and a car door opened on me. I crash into the door ...
A: My experience with Progressive has been pretty good. Most insurance companies try to be fair with ...
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| homeowners statute of limitations on rebuild | 6/9/2007 |
Q: Jay. We lost our home to Hurricane Charley and received full payment on our loss. As you can ...
A: Joann, LOL...policies can be a tough read but some of us really enjoy that! Unfortunately I don't ...
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| homeowners statute of limitations on rebuild | 6/8/2007 |
Q: Jay. We lost our home to Hurricane Charley and received full payment on our loss. As you can ...
A: I understand what you went through after Charlie. I work for the Florida Association of Insurance ...
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| dogs and homeowners insurance policy | 6/7/2007 |
Q: My sister was recently purchasing homeowners insurance for their new home. The agent asked the ...
A: I'm sitting here, looking at your question, and thinking of all the dog breeds that would have ...
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| homeowners claim | 6/5/2007 |
Q: I'm wondering how long I have to file a hail damage claim. The storm occurred two years ago and was ...
A: Two years is a long time. Part of the answer to your question may lie within the state laws that ...
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| Liability/Umbrella Commercial package | 5/24/2007 |
Q: Finally after years of zero claims, we had a liability/medical claim by an outside contractor for ...
A: Art, I apologize for the delay in answering your question. I was on the road last week and got ...
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| Homeowners Coverage | 5/17/2007 |
Q: My husband just recently backed his lawn tractor into the corner of our deck(post) and it is now ...
A: There is no exclusion in the typical HO policy that would keep this claim from being covered. My ...
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| ProperyLossClaimHelpPlease | 5/14/2007 |
Q: This is lengthy, but so important to my little life right now. please help in any way you are able ...
A: Heidi, You're quite welcome. I'm always glad to help. For the items that were gifts, I would note ...
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| ProperyLossClaimHelpPlease | 5/13/2007 |
Q: This is lengthy, but so important to my little life right now. please help in any way you are able ...
A: Wow...you weren't kidding when you said this was long! :) You certainly are in quite the predicament ...
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| Exceeding Occupancy Limit | 5/2/2007 |
Q: Our Florida co-op building had an occupancy limit of 4 persons per one-bedroom. In fact, four is the ...
A: My guess is that the President could not have increased the occupancy limit without a full vote of ...
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| Insurance for Mobile Home Park | 4/17/2007 |
Q: The loan I have for a mobile home park has been sold to another lender. The original lender did not ...
A: I apologize for the delay in responding. I've been traveling this week. The lender is correct ...
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| Condominium BUILDING repair | 3/31/2007 |
Q: What can WE, the resident unit-owners do? Our hi-rise condo BUILDING was severely damaged by ...
A: I'm very sorry to hear of your circumstances. I know that extensive claims like the one you're ...
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| Auto insurance claim | 3/28/2007 |
Q: Jay, My vehicle was recently backed while parked. I heard my alarm go off and went to investigate. ...
A: Boy have I seen this situation happen many times. This is a great example of why it's so important ...
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| Condo Hazard Insurance & Appraisals | 3/27/2007 |
Q: Jay, Allstate Insurance pulled out of Florida's condominium insurance market and we were left with ...
A: As a Florida resident and insurance expert, I feel your pain regarding your insurance issues. I ...
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| insuring salvage vehicle | 2/14/2007 |
Q: Are there problems getting insurance on a salvage vehicle? I understand some salvage situations ...
A: Much of the answer to your question is determined by several factors: 1) Is the vehicle a total ...
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| auto damaged on employer's property | 2/9/2007 |
Q: my car was damaged recently by rocks that were blown off the top of my employers building. total ...
A: I empathize with having to pay your deductible and putting in a claim with your auto carrier. ...
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| Property Loss | 2/1/2007 |
Q: My sister and I share a home. She has homeowner's insurance and I have renter's insurance. Our home ...
A: Johan, First, let me say that I empathize with you regarding the treatment you have received. ...
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| Florida Homeowners insurance | 1/18/2007 |
Q: I just got a letter from my insurance agent stating that there are items that must be repaired or my ...
A: I can certainly understand your concern. Given the state of the property insurance market and the ...
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| question from an agent | 12/29/2006 |
Q: How is the dwelling limit of liability calculated? And how is the loan amount important?Hello, Is ...
A: The dwelling amount should be based on the replacement cost of the dwelling...what it would cost to ...
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| Tree | 12/26/2006 |
Q: I'm asking this on behalf of my mother. Her neighbor has an oak tree with large surface roots that ...
A: The typical Homeowners policy uses what we call in the industry "special causes of loss" for ...
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| Condominium Fire Damage | 12/17/2006 |
Q: My unit is water/smoke destroyed. MetLife is my homeowners insurance carrier - Nationwide is the ...
A: I'm very sorry to hear of your unfortunate situation. Life in the Condo world can have its ...
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| Condo 718.111 Insurance | 12/15/2006 |
Q: I'm the new condo prez and just learned about FL 718.111(11). Does it only apply to "Hazard" ...
A: Being the president of a condo association is probably one of the most thankless jobs...and the pay ...
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| question from an agent | 12/14/2006 |
Q: Is the loss history something that the client is suppose to provide? (for homeowners and auto) ...
A: Typically loss information on a personal lines application is limited to answering the questions. ...
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| Homeowner's Policy | 12/5/2006 |
Q: My wife and I have a permanent residence in Seattle. My employer asked me to work in New York for a ...
A: I wouldn't take your agent's or the company's questions too personal. While you are an upstanding ...
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| Home Based Business and Homeowners Ins. | 12/1/2006 |
Q: Greetings, Thank You for your help. I am considering running an electronics manufacturing business ...
A: Brandon, Thanks for your question. There are some very specific limitations in a Homeowners policy ...
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| Earthquake insurance for HOA | 11/30/2006 |
Q: All States has decided they no longer wish to carry earthquake insurance for our HOA as of end of ...
A: Esther, I'm not particularly familiar with Earthquake coverage and what carrier write it. That ...
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| property damamge | 11/20/2006 |
Q: Last week a landscaping company mistakenly came onto our property and began to cut down a tree. We ...
A: An insurance nerd like me could never have even dreamed up a scenario like this. I can certainly ...
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| homeowner loss | 10/25/2006 |
Q: Yesterday morning, the last person out of the house left it unlocked. Later, somebody came in and ...
A: Sorry to hear about your unfortunate event. I can't tell you how many times I've done the exact ...
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| Property Damage Caused by Auto | 10/20/2006 |
Q: A couple of months ago a rental duplex of mine was damaged by car in which the driver lost control ...
A: Right about now I'm feeling your frustration. You've gotten the biggest run around I've ever seen. ...
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| Deppreciation | 10/19/2006 |
Q: How do I find out the Laws on Depreciation?
A: Jamie, I'm not aware of any specific laws regarding depreciation. Typically, when adjusters are ...
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| Garage Liability vs Comp. General Liability | 10/18/2006 |
Q: Can you please tell me what garage liability will cover vs what comprehensive general liability will ...
A: I'm going to apoplogize up front for any typos in my response...I'm out of the office and typing ...
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| rental car insurance | 10/11/2006 |
Q: What carriers offer non-owned automobile policies on a stand-alone basis for people who rent cars? ...
A: Unfortunately the marketplace differs from state to state so I can't be sure exactly what may be ...
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| new construction home for sale vacant | 10/10/2006 |
Q: I am looking for a homeowners policy for a brand new home which is currently vacant and for sale in ...
A: Unfortunately I do not sell insurance. You have a very difficult situation with a vacant house. ...
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| COVERAGE PERIOD | 10/8/2006 |
Q: We suffered a fire loss on 6-19-06. Our policy period was 06-01-05 through 06-01-06. During that ...
A: Don, Thanks for your email. I apologize, but this will be a very lengthy answer. The first thing ...
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| sudden water damage | 10/6/2006 |
Q: I know water damage is tricky. During a violent storm last week, a friend who recently remodeled ...
A: Your friend certainly had a bit of misfortune there! I can assure you that without certain criteria ...
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| auto Ins. | 9/27/2006 |
Q: cover lost or stolen money from vehicle?
A: The typical personal auto policy (including company specific forms) does not cover personal items ...
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| Just getting started | 9/19/2006 |
Q: I am thinking about taking a P&C course, how will this benefit me? I have 15 plus years of ...
A: Even though you have an enormous amount of experience on the healthcare side of the business, I ...
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| Hi | 9/8/2006 |
Q: I am seriously planning to open my own insurance agency. My experience is from an Allstate Office. ...
A: First, let me apologize for my delay in responding. I was at a conference in New Orleans and just ...
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| Homeowners/Auto Insurance | 8/31/2006 |
Q: If someone is speeding down a residential street and a dog runs in front of the car and is killed, ...
A: Elizabeth, I could be wrong on this, but I'm going to assume that you were not the speeding driver! ...
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| Home Insurance Question | 8/24/2006 |
Q: My home was hit with hail two years ago. Right before the hail storm (less than two weeks) I had my ...
A: Mike, Thanks for your question...and I must say it's a very good one! I'm sure I know the answer ...
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| HomeOwner's Insurance | 8/23/2006 |
Q: I have spent thousands of dollars trying to get rid of brown recluse spiders in my home. I have ...
A: Roy, I can certainly empathize with your situation. Unfortunately, while I wish I could have good ...
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| garage liability and garage keepers | 8/17/2006 |
Q: what does garage liability cover? what does garage keepers cover? which one covers veh while in ...
A: Mary, Garage liability covers the insured for incidents involving customers or other third parties ...
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