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Property & Casualty Insurance/Questions Answered by Expert Jay K. Williams, AAI, AIP, CIC, CRM
| Subject | Date Asked |
| Florida condo water leak | 12/31/2011 |
| Q: The toilet water supply hose unexpectedly broke causing a leak in my second floor condo in Florida. ... A: According to FL Statute 718.111(11), you would be responsible for repairs to your unit that involve ... | |
| water damage and no insurance | 12/23/2011 |
| Q: i live in nyc and recently purchased a condo in oviedo, fl which i rent and is managed by an ... A: The only way to get reimbursed for the repairs you paid for would be for that unit owner to file a ... | |
| circuit breakers FL condo statute | 12/20/2011 |
| Q: Per FL condo statute the association is responsible for all portions of the building as initially ... A: According to FL Statute, when an insurable loss occurs there are only 9 or 10 items that the unit ... | |
| water damage and no insurance | 12/17/2011 |
| Q: i live in nyc and recently purchased a condo in oviedo, fl which i rent and is managed by an ... A: First of all, the drywall and electrical repairs are the responsibility of the Association. You ... | |
| Florida Condo Leak | 12/14/2011 |
| Q: It looks like I'm going to have to produce some Florida Condo statute. to convince this property ... A: Michael, I apologize. I'm having trouble accessing my office computer remotely. I'm in a small town ... | |
| Florida Condo Leak | 12/14/2011 |
| Q: It looks like I'm going to have to produce some Florida Condo statute. to convince this property ... A: Michael, Interestingly enough, I just received a copy of a newsletter published by an insurance ... | |
| Florida Condo Leak | 12/13/2011 |
| Q: I've read some of the other questions related to this subject. I have a Florida Condo in a 7 story ... A: Hey Mike, I know you know this, but since when does a contract take precedence over LAW! If that ... | |
| Florida Condo Leak | 12/13/2011 |
| Q: I've read some of the other questions related to this subject. I have a Florida Condo in a 7 story ... A: Your property manager needs to read the law! FL Statute is very clear that the Association is ... | |
| condo insurance | 11/17/2011 |
| Q: Md house bill 679 (HO6) is mandating that owners have insurance with a deductible up to $5000 as ... A: Joanne, First, let me apologize for the slow response. I was traveling last week and have been ... | |
| pipe leak | 10/16/2011 |
| Q: there was a pipe that burst in the attic above my unit. The attic is considered a common element. ... A: In order for one party to become liable to another, there must be negligence. Negligence exists when ... | |
| pipe leak | 10/15/2011 |
| Q: there was a pipe that burst in the attic above my unit. The attic is considered a common element. ... A: Jon. The short answer to your question is...it depends. Damage to wall coverings such as paint and ... | |
| Condo water leak due to exterior window sill | 10/4/2011 |
| Q: I need some advice. I recently purchased a condo in Tampa, Florida and have lived there for almost 1 ... A: With the rains that we had here in the Tampa Bay area a few weeks back, I'm sure lots of people have ... | |
| condo water damage from unit above | 9/22/2011 |
| Q: Williams, (Please note: We live in Michigan, where there is no enforcement agency for the ... A: I apologize for the delay in responding. It sounds like you're in quite a dilemma! Whether or not ... | |
| Injuries from fallen tree | 9/13/2011 |
| Q: on 8/2/11 approve. 5:15am power is out. It is pitch dark where we live. On our way to work we hit ... A: I'm sorry to hear about your accident and your injuries. I wish you and your husband a speedy ... | |
| bathroom leak | 9/8/2011 |
| Q: My tub overflowed three months ago.. I live in a condo and the neighbor downstairs has water ... A: Carol, I'm sorry to hear about your issue. I'm going to answer your question based on FL law even ... | |
| comp or coll claim? | 9/3/2011 |
| Q: I had a different wheel fall off my vehicle twice this year while driving. Is the damage to my ... A: Anything other than overturn or collision with another object would be considered a comp claim. Most ... | |
| condo water leak | 8/9/2011 |
| Q: Williams, Follow upIn the event that the homeowner who suffered damages files a lawsuit against the ... A: I'll preface this with the disclaimer that I'm not an attorney so this is an unqualified opinion. ... | |
| condo water leak liability | 7/29/2011 |
| Q: I read your Q&A with Robert on June 27, 2011. We have the same issue (water leak) except that I am ... A: Cynthia, I can see from the first page of the policy declarations that a coverage title ... | |
| condo water leak liability | 7/28/2011 |
| Q: I read your Q&A with Robert on June 27, 2011. We have the same issue (water leak) except that I am ... A: While CA law does require the association to carry a master policy, the law is a little harder to ... | |
| XCU Insurance | 7/22/2011 |
| Q: My husband and I are trying to demolish a singlewide on a property we purchased. Building ... A: Typically, a standard General Liability policy automatically includes the XCU coverage. Many years ... | |
| Insurance company claims | 7/21/2011 |
| Q: I am doing a project for school. I would like to know where I can find information about how much ... A: Hey Mark, There are two sources I would recommend that you start with. The first is the Insurance ... | |
| follow up on claim settlement | 7/14/2011 |
| Q: Jay- Thank you for your answers to my settlement dilemma. Miraculously a 2nd reinspection was ... A: AC, I'm glad things are moving in the right direction. All I can say is it's about time! Having ... | |
| settling the claim | 7/8/2011 |
| Q: Jay: I wrote to you on 6/25/2011 regarding my garagekeepers policy and you answered me honestly and ... A: C., I'm sorry you are continuing to have problems with this situation. First, your agent needs ... | |
| how to Contract with good MGA or Direct Carier | 6/30/2011 |
| Q: I,am established agent in Life and Health.Now I got my license in P & C as a broker.I am having ... A: One broker that pops into my head instantly is Agent Secure. These guys do commercial policies and ... | |
| Opening our own Agency | 6/28/2011 |
| Q: Mr. Williams, I really appreciate you taking a few minutes to read and respond to me here today. I ... A: One of the problems working as an employee of an agent is that the $$ just don't seem to quite make ... | |
| condo insurance flood liability | 6/27/2011 |
| Q: I have been trying to resolve an insurance problem for 3 months now with everyone involved denying ... A: I have no problem with you sending my responses. I know FL Condo Statute inside and out. The ... | |
| condo insurance flood liability | 6/27/2011 |
| Q: I have been trying to resolve an insurance problem for 3 months now with everyone involved denying ... A: Unfortunately the attorney is not versed in Condo Law. He's treating this as a third party ... | |
| condo insurance flood liability | 6/27/2011 |
| Q: I have been trying to resolve an insurance problem for 3 months now with everyone involved denying ... A: I'm sorry to hear about the difficulty you are having. The condo association's attorney could not ... | |
| Negligent renter | 6/26/2011 |
| Q: I rent in a condominium complex where each of the units are independently owned and many are managed ... A: I'm sorry to hear about your situation. It's unfortunate that this was allowed to occur. I think ... | |
| garagekeepers | 6/25/2011 |
| Q: i repair high end vehicles, have been for 30 years. i have held a liability policy with ... A: It sounds like you had a really bad day! Look on the bright side...one claim in 30 years is better ... | |
| Condo water/ice damage | 6/23/2011 |
| Q: Answer: Sorry, didn't know how to get back to you. I reside in Connecticut. Appreciate your advice ! ... A: I've done some digging but can't seem to find any CT statutes that relate to insurance adjusters. ... | |
| water damage insurance | 6/20/2011 |
| Q: had water/ice damage, 1/19/11. Have Condo insurance, many problems with insurance paying. Was told ... A: I would call the insurance company and ask for a claims supervisor. I would take the time to ... | |
| ceiling water damage in condo | 6/17/2011 |
| Q: I would truly appreciate some help and guidance. A few weeks ago I came home to water leaking ... A: I'm amazed at how irresponsible some condo associations can be. I'll bet if it was the unit of one ... | |
| Vacation Home Liability | 6/16/2011 |
| Q: I have my primary homeowner's policy with Allstate, and own a vacation home (with a pool) in another ... A: First of all, let me commend you for actually reading your policy and trying to understand what it ... | |
| Garage Keepers exclusion | 6/13/2011 |
| Q: I have a client with a car detailing business. He has a garage policy with garage keepers legal ... A: UGH!!! Claims adjusters can really drive me nuts sometimes. I'll reiterate what I said before...if ... | |
| Garage Keepers exclusion | 6/9/2011 |
| Q: I have a client with a car detailing business. He has a garage policy with garage keepers legal ... A: Richard, I apologize for the delay in responding. I was speaking at a conference and was out of ... | |
| P&C Compensation | 6/5/2011 |
| Q: I just read a previous question regarding compensation for P&C agent. I've got ten years experience ... A: One of the downsides to working as a producer in someone else's agency is that you don't own the ... | |
| Ice Damming | 5/20/2011 |
| Q: Policy form is HO-3. Recently had a claim for ice damming that caused interior damage which was ... A: Hey Jeff, I'm looking at a copy of the industry standard form and I don't see anything in there ... | |
| roof leak in townhouse | 5/19/2011 |
| Q: I am currently the owner of a townhouse (the quad kind,if that matters) located in Florida. ... A: I apologize for the slow response. It's been one of those weeks that has been jam-packed with ... | |
| home insurance | 5/9/2011 |
| Q: we tried to submit a claim for our roof and it was denied. they are also now requiring that we fix ... A: Typically, insurance companies compile claims data which can be retrieved through an underwriting ... | |
| Drain leak | 5/3/2011 |
| Q: We have a condo on 9 floor in Florida. Neighbour 8 floor has a ceiling leak.Management plumber told ... A: I'm sorry you're having to go through all this ridiculous banter. Let's think about this for a ... | |
| Drain leak | 4/28/2011 |
| Q: We have a condo on 9 floor in Florida. Neighbour 8 floor has a ceiling leak.Management plumber told ... A: I never cease to be amazed. Statute equals law. The last time I checked, all the board votes in ... | |
| Drain leak | 4/23/2011 |
| Q: We have a condo on 9 floor in Florida. Neighbour 8 floor has a ceiling leak.Management plumber told ... A: You are correct. Any damage to the unit under you is the responsibility of the unit owner and/or the ... | |
| theft and vandalism of property | 4/23/2011 |
| Q: question a relative that wasnt deeded on property me and my owns caused 16,000 worth of property ... A: If the loss took place while your relative was living with you, then your insurance company is ... | |
| Neighbor's tree on car? | 4/21/2011 |
| Q: My fiance's car has been parked at his grandmother's house for almost a year until we are able to ... A: I'm sorry to hear about your fiance's car. The neighbor's parents may not necessarily be correct. ... | |
| condo ice/water damage | 4/3/2011 |
| Q: sent you a question on 3/19 & was comforted by your reply. Finally, my Condo management called & ... A: I would recommend that you get some estimates from people that you trust. Ultimately, it will be ... | |
| FL Condo Water Leak | 3/27/2011 |
| Q: I had a knock on my door and a plumber was there saying he needed to check for a leak. To make a ... A: Sounds like you have quite the mess and things have come to a stall. Even with all the Statutes ... | |
| Co-Insurance | 3/25/2011 |
| Q: I am being told that getting the "No" box checked for Co-Insurance on the Accord 28 form gives the ... A: Checking No in one box does not mean that the other one is Yes. A company can waive the coinsurance ... | |
| Business Liability? | 3/25/2011 |
| Q: We're in an own-your-own apartment complex (converting soon to condos) with an issue with the HOA ... A: Business Liability covers bodily injury and property damage cause by the negligence of the ... | |
| Request for money after insurance payout | 3/20/2011 |
| Q: My mother's car was involved in an accident out of state. My aunt was driving. My mother's ... A: I would think that the police report would give a pretty god indication of who was at fault. Usually ... | |
| Condo-Ice, Water damage | 3/19/2011 |
| Q: Water damage to interior. Partial walls, ceilings opened , woodwork removed ,wet insulation removed ... A: Sorry for the delayed response...I've been on a plane all day flying to Dallas. There is damage to ... | |
| Condo Owner - Water Damamge & Mold | 3/9/2011 |
| Q: I live in NYC. I found mold in my apartment and contacted the management company. They came and ... A: I'm sorry to hear about your situation. Mold issues are difficult even without considering the ... | |
| Another Condo with water Damage | 2/17/2011 |
| Q: I have a liability question regarding water damage to my condo. While the water-damaged ceiling has ... A: I would let your carrier go ahead and get the damage repaired rather than wait for this battle to be ... | |
| E & O question | 2/3/2011 |
| Q: If an Owner, VP or Producer of an Insurance Agency doesn't have 3 years of experience, can just a ... A: E&O underwriting will vary from carrier to carrier. Some will allow the experience of the non-owner ... | |
| broken pipe / water leak / FL condo | 2/3/2011 |
| Q: We have a condo in Miami, FL. The property was built around mid 80s. The washer and dryer are ... A: I'm glad I could be of some help to you. I know those condo documents are large...I've reviewed ... | |
| Garage Liability vs CGL | 2/2/2011 |
| Q: Jay, I have a wrecker/towing risk I am working with. Their current carrier is writing their ... A: A Garage Liability policy is simply a CGL policy combined with a Commercial Auto Coverage form. In ... | |
| broken pipe / water leak / FL condo | 2/1/2011 |
| Q: We have a condo in Miami, FL. The property was built around mid 80s. The washer and dryer are ... A: I'm feeling your pain on this one. Water is really funny sometimes. It can appear a good distance ... | |
| Frustrated in Oregon | 1/29/2011 |
| Q: I purchased a used mobile home to be re-set on our rural property. The mobile home was damaged ... A: I can certainly understand your frustration. As I see it, there are two issues here...one is the ... | |
| CONDO WATER DAMAGE | 1/22/2011 |
| Q: My Condo Association is responsible for fixing my unit due to a water leak from a main pipe behind ... A: I'm very sorry for all the confusion you seem to be caught in the middle of. You must be blessed ... | |
| professionalism | 1/16/2011 |
| Q: I greatly desire to produce as an independent agent. I am currently a corporate employee for a ... A: As far as designations go, there are two that I would recommend to anyone going into the production ... | |
| Adding P&C | 1/5/2011 |
| Q: Jay - I am a recently licensed life and health producer. I have several appointments with carriers ... A: There are some P&C general agents that represent standard or admitted market carriers. P&C general ... | |
| Condo AC condenser stolen. | 1/2/2011 |
| Q: I reside in south Florida. One of the condo unit owners in our adult community had his AC condenser, ... A: The unit owner's insurance company is correct. According to FL Statute 718.111(11), the unit owner ... | |
| water leak | 12/28/2010 |
| Q: Good afternoon. I own a condo unit in Miami, Fl, recently the neighbor below my unit complaint of a ... A: Your association is totally incorrect. FL Statute 718.111(11) makes the association responsible for ... | |
| mold. | 12/26/2010 |
| Q: in October i purchased condo in high rise bldg in Sunny Isles Beach... i had inspection done for ... A: I apologize for using terms you didn't understand. What I was saying above is that when an insurable ... | |
| mold. | 12/23/2010 |
| Q: in October i purchased condo in high rise bldg in Sunny Isles Beach... i had inspection done for ... A: I apologize for the delay in my response. I've been out of town for the holiday weekend. Since the ... | |
| FL Condo - water damage | 12/21/2010 |
| Q: Jay, My parents have a condo in FL on the third floor of an 8 story building. Sometime this past ... A: There are FL domestic carriers that use company-specific endorsements or policy forms that give more ... | |
| Holding back insurance claim money | 12/19/2010 |
| Q: We had water damage to our condo by an uninsured "contractor" hired by the HOA for which they filed ... A: That's the biggest bunch of bunk I've ever heard! Most states do not allow the unit owners to sue ... | |
| drywall between air conditioning handler and condo room | 12/14/2010 |
| Q: The air handler became clogged and leaked. The drywall between the unit and the condo room became ... A: I'll answer your question based on FL law. If you are in another state, please let me know and I'll ... | |
| CONDOMINIUM PLUMBING RESPONSIBILITY | 12/12/2010 |
| Q: Miami, Florida - I owned a condo on a 16th floor which I have rented. Following the situation that ... A: In my opinion, it looks as if you and your tenants did everything in your power to comply with the ... | |
| umbrella insurance | 12/11/2010 |
| Q: Hope you can help me answer this question. I own a home, I have homeowners with a 250,000 personal ... A: There is no specific exclusion in the standard homeowner policy that would eliminate coverage. ... | |
| Sewer back-up issue | 12/10/2010 |
| Q: I have a State Farm Homeowners policy for a detached, single-family house. This is my principal ... A: First of all...let me agree with you that you should change agents. Any agent who takes that ... | |
| Commerical Auto ASL Codes | 12/9/2010 |
| Q: Jay - how can I get a listing of ASL codes and their descriptions for a commercial auto book of ... A: If you're referring to the Automated Symbols Lookup through ISO, unfortunately I don't have access ... | |
| Professional liability | 11/30/2010 |
| Q: I am licensed in Oregon for P & C and Life insurance. I have worked for independants as a producer ... A: It's my pleasure to be able to help you. I apologize...being an insurance nerd, it's easy for me to ... | |
| Empty Units + Mold | 11/30/2010 |
| Q: Our condo was vacant for 5 months ++ came back to find out that quite possibly our toilet had leaked ... A: You are correct that FS 718.111 makes the other unit owners responsible for the damage to their ... | |
| Professional liability | 11/28/2010 |
| Q: I am licensed in Oregon for P & C and Life insurance. I have worked for independants as a producer ... A: I salute you for trying to make yourself more marketable and offer protection to your future ... | |
| Home Insurance Property Damage Claim | 11/23/2010 |
| Q: We had water damage to our home due to broken pipe that was leaking. DOL was July 26, 2010. We ... A: When you say that you hired an adjuster, I'm going to assume you hired a Public Adjuster to work ... | |
| homeowner's insurance | 11/22/2010 |
| Q: I am looking for an insurance company in FL that will write a policy for a condo that is currently ... A: That's my old stomping ground! I grew up in that area and worked in Vero for a number of years. I ... | |
| water issues in bathroom and who covers the wall board | 11/18/2010 |
| Q: We had some water damage from the condo above our unit(at least we think it from them). The ... A: As an attorney, he should be thorough enough to read the entire sub-chapter to understand the ... | |
| Property manager refuses to cooperate | 11/17/2010 |
| Q: The garage door closed ontop of our SUV badly damaging the rooftop. The property manager refuses to ... A: At this point it sounds like you may be at an impass. Unfortunately, the property manager is not ... | |
| Property manager refuses to cooperate | 11/17/2010 |
| Q: The garage door closed ontop of our SUV badly damaging the rooftop. The property manager refuses to ... A: I need a bit more information before I can give you an answer. 1. Is this an apartment complex or a ... | |
| water issues in bathroom and who covers the wall board | 11/12/2010 |
| Q: We had some water damage from the condo above our unit(at least we think it from them). The ... A: I apologize...I usually finish with some recommendations. I really don't think there's a need to ... | |
| water issues in bathroom and who covers the wall board | 11/12/2010 |
| Q: We had some water damage from the condo above our unit(at least we think it from them). The ... A: Obviously the association's attorney needs to update himself on FL Statute relating to condominiums. ... | |
| Water From Above | 11/6/2010 |
| Q: Howdy Jay, My question is much like the one you answered on 8/31/2010; except, I am on the ... A: I used to say that I would never live in a condo, but as I've gotten older I've decided that I might ... | |
| homewners insurance | 11/6/2010 |
| Q: I have a condo in Florida in a senior development..I recently lapsed my homeowners policy because of ... A: I'm sorry to hear about your unfortunate incident. FL Statute specifically states that all parties ... | |
| Homeowners Insurance Beneficiaries | 11/5/2010 |
| Q: If a homeowner perishes in a house fire and is the only one listed on the homeowners policy, yet ... A: You've asked a very good question. I'm going to start with a disclaimer that I am not an attorney so ... | |
| Florida condo laws | 10/28/2010 |
| Q: I have a little delema. My husband and I own a condo in Florida that we rent out. Our tenants ... A: I apologize for the delay in responding. I was traveling yesterday and didn't get in until late. ... | |
| Son in Iraq being sued by neighbor | 10/27/2010 |
| Q: My son is in the Army in Iraq. I am his power of attorney. A year ago, right after he left, his ... A: First of all...thank you to your son for his service to our country! Whoever told you about that ... | |
| Water leak from my unit caused damage to unit below | 10/27/2010 |
| Q: I live on the second floor of a 4 story condo unit and I recently installed a new dishwasher. The ... A: You are correct about FL Statute...unless you were negligent, the unit owner below and the ... | |
| Auto Insurance | 10/25/2010 |
| Q: am a insurance agent from Minnesota. I had a state patrol officer call my office, and tell me he ... A: I apologize for the delay in responding...I've been traveling all day today. Your situation is ... | |
| commission only job | 10/24/2010 |
| Q: I have been offered a position to work for commission only as a producer for a Property & Casualty ... A: If I were to go back into sales and 100% of my income was commission based, I would want a 50/50 or ... | |
| GKLL | 10/21/2010 |
| Q: Large building owner has a separate parking deck. They do not have a valet service nor do they take ... A: Simply charging for parking is not really taking possession of the vehicles. My guess is that they ... | |
| Liability question for a potential buyer of my condo | 10/20/2010 |
| Q: I live in a hi-rise condominium unit in New York City and have had 2 floods in my unit that have ... A: I'm sorry to hear about all your misfortune related to your unit. Unfortunately, the questions that ... | |
| Auto | 10/17/2010 |
| Q: How best to explain to a client that man & wife in same house hold, female owns her home and auto, ... A: Swank, This is always a difficult situation because the typical person does not understand ... | |
| LLC as Named Insured on Personal Policies | 10/13/2010 |
| Q: May HO2, HO3, HO4, HO6 be written with LLC's as the named insured? A: Typically, companies do not write LLCs as the named insured on HO policies. The primary reason is ... | |
| Florida condo; water damage claim | 10/11/2010 |
| Q: On 9/17 "Dennis" asked about a water damage claim (State of Florida)and alluded to the fact that ... A: The first thing to note is that the Statute says that the association SHALL carry property insurance ... | |
| NJ Homeowner policy, MHO-3 | 9/30/2010 |
| Q: During a large wind storm a tree was blown down on top of a barn and the insurer paid policy limits ... A: Unfortunately, based on the standard policy language, any structure that is "separated by clear ... | |
| HMO Insurance | 9/29/2010 |
| Q: I had a refinance on my house and the attorney did the closing. At the time of the closing I gave ... A: I'm sorry that you had a such an unfortunate incident. When a bank force places coverage on ... | |
| Condo Fire Sprinkler Question | 9/22/2010 |
| Q: I am writing on behalf of my dad who is not technical when it comes to computers. However, I have ... A: Unfortunately, your question isn't insurance-related but really is a maintenance and repair issue. ... | |
| Being Sued Over FL Condo Water Damages | 9/17/2010 |
| Q: Yes, another Florida condo water damage question!! A water feed under my kitchen sink ruptured and ... A: Hey Dennis, Not being an attorney, I can't really answer regarding what a judge may or may not ... | |
| Being Sued Over FL Condo Water Damages | 9/17/2010 |
| Q: Yes, another Florida condo water damage question!! A water feed under my kitchen sink ruptured and ... A: I'm glad to hear that some of my answers to previous questions were helpful to you. While I would ... | |
| Waterfront home insurance | 9/14/2010 |
| Q: What's the new law for waterfront home insurance? Is it worth owning a waterfront property due to ... A: I'm not aware of any law changes regarding single family homes that are waterfront. Depending upon ... | |
| Boat Dock Insurance | 9/10/2010 |
| Q: Do you know of any companies that provide boat dock insurance that would cover a floating personal ... A: I apologize for the delay in my response. I was out of touch for the weekend. There are very few ... | |
| Car damaged while in at shop | 9/8/2010 |
| Q: I dropped my car off at a business to have some metal fabrications done to it. I told the guy not to ... A: I'm sorry to hear about your car. The first course of action is to notify the shop owner. His ... | |
| Mold damage | 9/2/2010 |
| Q: I own a condo in Gulfport fl, the unit above me had a leak in their air conditioner unit which ... A: William, Welcome to the joys of living in a condo. I don't mean that to be a smart comment, ... | |
| Condominium Association Master Policy | 9/2/2010 |
| Q: I live in a condominium in Florida. I had a hidden water leak inside my wall which resulted in ... A: The association is responsible for the full $7,500. FL Statute is clear that the deductible is a ... | |
| Mold damage | 8/31/2010 |
| Q: I own a condo in Gulfport fl, the unit above me had a leak in their air conditioner unit which ... A: Unfortunately for your association, they are wrong. Any damage to the drywall and anything inside ... | |
| p&c license from previous job | 8/31/2010 |
| Q: I worked at a major insurance company who, at hiring, paid for the training, testing and licensing ... A: As in other states, in Michigan you are the licensee no matter who paid for the training, testing, ... | |
| Leak damage: negligence vs. sudden and accidental | 8/31/2010 |
| Q: I live in a two-story condo unit in San Diego, California. At 8 AM on Saturday, my downstairs ... A: Unfortunately, while living in condo is much simpler and easy in some respects, when it comes to ... | |
| Condo water damage, follow-up question | 8/28/2010 |
| Q: In Florida, I have a condo on the 3rd floor and had water leakage in the wall between bathrooms of ... A: No bother at all...I'm on here to answer your questions. It doesn't matter where the plumbing ... | |
| Condo water damage | 8/27/2010 |
| Q: In Florida, I have a condo on the 3rd floor and had water leakage in the wall between bathrooms of ... A: You're questions and your situation are not uncommon. Unfortunately, condo boards and management ... | |
| Water damage-neglect | 8/20/2010 |
| Q: My Condo is in the FL Keys..20 units, 4 quadrangle townhouses per bldg. Our air handlers are in ... A: I like the fact that most of the residents have faithfully maintained their systems and have taken ... | |
| stored property insurance | 8/17/2010 |
| Q: i occupied a storage unit for the past year or so. Last july it was burglurized and property ... A: It's not uncommon for a company to require proof of items when adjusting personal property claims. ... | |
| Water Damage & Mold Remediation | 8/17/2010 |
| Q: Who is responsible for water line repair, dry wall replacement and mold remediation in my condo? A ... A: FL Statute is very clear that, when it comes to insurance-related losses, the association is ... | |
| P&C Starting a new agency/ Typical Commissions | 8/12/2010 |
| Q: I am a new P&C agent with a 2-20 license. My goal is to have my own agency one day. However, since I ... A: I'm a firm believer in the independent agency model. I actually started my career as an exclusive ... | |
| P&C Starting a new agency/ Typical Commissions | 8/10/2010 |
| Q: I am a new P&C agent with a 2-20 license. My goal is to have my own agency one day. However, since I ... A: Producer compensation has always been an issue for all agencies. 30% new and renewal is not a bad ... | |
| Re: Water damage from upstairs condo unit | 8/9/2010 |
| Q: I live in 3-story condo in Long Beach, CA and the upstairs unit's water heater pipe leaked into my ... A: Sounds like you have been through quite the fiasco! It's not unusual to find that your Unit Owner ... | |
| dry wall repair | 8/9/2010 |
| Q: My bathroom wall had a leak and water damaged downstairs neighbor. My insurance will pay for my ... A: The condo association is responsible for repairing the drywall and new studs regardless of where ... | |
| ceiling cutout | 7/26/2010 |
| Q: Damage to my ceiling is not fault of upstairs neighbor. Plumber had to cut a large square out of my ... A: I apologize...I didn't realize you were in FL. FL Statute 718.111(11) definitely makes the ... | |
| HIRING CONTRACTOR, UNLICENSED AND BONDED, CONDO REPAIR | 7/25/2010 |
| Q: I am an owner of a lower level condo in a 4 unit building in Washington state. Last winter there was ... A: If the association is responsible for the repairs and they choose to use an unlicensed contractor, ... | |
| ceiling cutout | 7/24/2010 |
| Q: Damage to my ceiling is not fault of upstairs neighbor. Plumber had to cut a large square out of my ... A: Hey Barbara, Since the hole had to be cut to make repairs that the association is responsible for, ... | |
| General Liability Insurance versus Workman's Compensation | 7/16/2010 |
| Q: I live in a condominium in South Florida. The Association has in place a General Liability policy. ... A: Please accept my apology for the delay in my response. I was traveling between conferences in Ft. ... | |
| Condo liability | 7/14/2010 |
| Q: My upstairs neighbor's hot water heater sprung a leak and caused considerable damage to my condo. I ... A: Unfortunately, the association president and maintenance man are not a judge and jury. Only the ... | |
| Condo water damage | 7/14/2010 |
| Q: Our condos have the air-handler in our attic. They need to be maintained approx. 2X/yr. by pouring ... A: In FL, condo laws govern insurance claims but the maintenance is governed by the Declaration of ... | |
| Should a new independent agent sign up with an MGA/BGA? | 7/14/2010 |
| Q: If an Agent or Agency producer wishes to move from Captive to independent agency. What are the pros ... A: Hey Eddie, The main thing to remember when using an MGA or BGA is that you don't have binding ... | |
| Business Auto | 7/8/2010 |
| Q: Situation: An employee driving a company-owned vehicle is involved in an accident. The claimant sues ... A: One thing you should always remember, underwriters can tell you anything they want, but at claim ... | |
| Business Auto | 7/8/2010 |
| Q: Situation: An employee driving a company-owned vehicle is involved in an accident. The claimant sues ... A: If the employee is driving a company owned vehicle, the Business Auto Coverage Form would ... | |
| Payment and Performance bond coverage | 7/7/2010 |
| Q: I'm new to this and was wondering what the proper terminology was to ask about someone insuring a ... A: Typically, financial instruments, such as cashier's checks or money orders, are protected by a Lost ... | |
| Homeowner Insurance Claim question about roof | 6/29/2010 |
| Q: Are lifted shingles covered on a homeowners policy due to a large hail storm with very strong winds? ... A: As long as your policy includes coverage for windstorm...which it should...there should not be a ... | |
| cleanup after repairs | 6/27/2010 |
| Q: I had water damage on the rear wall of 3 floors of my townhouse requiring drywall removal and ... A: No need to apologize...but you're right...this is a long question! LOL I'll put my answers in the ... | |
| lexus rx300 damage | 6/21/2010 |
| Q: I parked my car on driveway and from the 3rd floor my neighor dropped the air conditioner(Ac) on my ... A: Sorry to hear about the damage to your car. The person to whom the apartment is leased should be ... | |
| Condo and water from within the wall | 6/18/2010 |
| Q: this is the third time that I am having this same issue with pipes breaking behind the wall and ... A: In accordance with FL Statute 718.111, the issues you are having are the responsibility of the ... | |
| cleanup after repairs | 6/17/2010 |
| Q: I had water damage on the rear wall of 3 floors of my townhouse requiring drywall removal and ... A: I would expect the insurance company to pay for the cleaning as part of the repair. If they feel ... | |
| Home/House Insurance | 6/1/2010 |
| Q: What should a homeowner know about homeowner's insurance before he insures his home? I most likely ... A: I think the most important thing is to find a good agent. I would define that as an agent that is ... | |
| Tornado Damage | 5/28/2010 |
| Q: We have a hunting camp which has a Mississippi address. Our homeowners policy is written in ... A: I'm not an attorney, but I would think the Statute of Limitations in Mississippi would apply since ... | |
| water damage to my condo | 5/19/2010 |
| Q: Never knew there was such a website as this very impressed w/ your bio & would greatly appreciate ... A: Sorry for the delay in responding. I've been tied up in off-site meetings. Thank you for the ... | |
| condo water issues | 5/12/2010 |
| Q: We own a condo in Florida. In the spring of 2009, a condo neighbor above and adjacent to our unit ... A: Dave, Let me address your last comment first. No-fault in FL only applies to injuries sustained in ... | |
| condo water issues | 5/11/2010 |
| Q: We own a condo in Florida. In the spring of 2009, a condo neighbor above and adjacent to our unit ... A: Dave, I'm sorry you are having these issues. I'll try to address them as you have them listed ... | |
| Condo Insurance Claim | 5/8/2010 |
| Q: I own the upstairs condo unit in 4 unit building. I currently have a unit owner's condo insurance ... A: Tom, Generally, they rely upon the honesty of the insured. They may ask for a copy of a lease ... | |
| Condo Insurance Claim | 5/7/2010 |
| Q: I own the upstairs condo unit in 4 unit building. I currently have a unit owner's condo insurance ... A: I know this must be very stressful for you. In FL, a lot of the domestic carriers have endorsements ... | |
| home insurance | 4/25/2010 |
| Q: i have owned a particular home for 6-7 years now. recently, i had some racoon damage and the ... A: I'm sorry to hear about your roof situation. Unfortunately, this is not a loss that would be ... | |
| water damage to unit below me (florida) | 4/18/2010 |
| Q: I live second floor in a four story condo. Owner below me claims mold, drywall damage etc. in his ... A: Your question is more of a legal issue rather than insurance so I am not really qualified to answer. ... | |
| FL's Condo Ins Mandate:"Special Assess Coverage" | 4/10/2010 |
| Q: My FL condo is owned by my FL corporation which is owned strictly by my wife and myself. The LTD is ... A: There should be no reason why you can't get the proper coverage. When a unit is deeded to an LLC or ... | |
| Fire Sprinkler system | 4/8/2010 |
| Q: Who is responsible for paying for a leak in a fire sprinkler system? The owner or tenant of an ... A: Jim, Unless the tenant causes the leak, the owner should be responsible for the damage to the ... | |
| Garage Policies | 3/31/2010 |
| Q: My insured's employees's park in a vacant lot next to his new car dealership. He does not own the ... A: The answer to your question is really dependent upon who is injured. If this is an employee that is ... | |
| water main leak in a condo line | 3/30/2010 |
| Q: I live in CO and own a townhome-style condominium. A leak occured somewhere outside my unit, ... A: The first place to look would be in the condo documents to see who is responsible for maintaining ... | |
| Water Leak | 3/29/2010 |
| Q: I own a condo in Fort Myers, FL that had a water leak which caused damage to the unit below mine. ... A: I'm very surprised that the other unit owner's company is coming back against you if this is a ... | |
| plumbing | 3/26/2010 |
| Q: I have a second floor unit. My neighbor beneath me experienced a leak from his ceiling which it ... A: Frank, The Statute will negate anything in your condo documents when it comes to an ... | |
| plumbing | 3/25/2010 |
| Q: I have a second floor unit. My neighbor beneath me experienced a leak from his ceiling which it ... A: The Statute that deals with insurance and responsibilities is 718.111(11). Here are the primary ... | |
| plumbing | 3/25/2010 |
| Q: I have a second floor unit. My neighbor beneath me experienced a leak from his ceiling which it ... A: You didn't mention what state you're in. There's no doubt that if you are in FL the association is ... | |
| Who is Responsible for Water Leak Damage to Condo Below Mine | 3/23/2010 |
| Q: Recently an undercabinet mounted water filtration system in my condo unit (tenant occupied) leaked. ... A: The FL Statute places the responsibility of the repairs to the drywall on the Association and the ... | |
| code insurance | 3/17/2010 |
| Q: I had extensive damage to my home during hurricane wilma. It took the insurance company 2 years to ... A: Given the fact that your time is growing very short, you need to take immediate action. Most ... | |
| Sorry, another water question | 3/16/2010 |
| Q: OK, I've read the statutes and I'm confused. In a Florida condo, the upstairs neighbor's water line ... A: Most condo questions are water-related so they don't bother me. Whether the elevator lobby is your ... | |
| CRM Designation | 3/10/2010 |
| Q: Jay- I see you have the CRM designation, and I am interested in working towards it myself. I wanted ... A: The CRM program is an excellent one in my personal opinion. I learned a lot in all the classes and ... | |
| water damage in my condo caused by fire sprinkler leak | 3/6/2010 |
| Q: I own condo in Florida which had water damage caused by the fire sprinkle system leaking in the ... A: I'm very sorry to hear about the issues you're having. I'm going to start by dealing with what I ... | |
| another Condo water damage claim question | 3/4/2010 |
| Q: It is wonderful. I have seen many questions about Condos and water damage but most relate to damage ... A: It's a real pleasure to be able to give consumers the help they need and deserve. You are ... | |
| Water damage from toilet in above unit | 3/3/2010 |
| Q: The unit above me four months ago had a over flow that leaked down to my bathroom. Maintenence shut ... A: Tracy, Your Association is NOT correct. Here's what the Statute says: (j) Any portion of the ... | |
| Water damage from toilet in above unit | 3/1/2010 |
| Q: The unit above me four months ago had a over flow that leaked down to my bathroom. Maintenence shut ... A: First of all, this sounds like a covered peril under most insurance policies. Based on that, the ... | |
| subcontrator | 2/18/2010 |
| Q: I was subcontracted to do some snow plowing for my buddies business. I was in the process of ... A: Hey John, If he has collision coverage on his vehicle, his insurance would pay for the damage. He ... | |
| subcontrator | 2/18/2010 |
| Q: I was subcontracted to do some snow plowing for my buddies business. I was in the process of ... A: Hey John, Auto liability is the coverage that applies in this situation. I'm assuming that you are ... | |
| Damage to my home | 2/11/2010 |
| Q: On 6-22-08 a very large tree in my front yard caught fire; the wind blew the power line into it. I ... A: Your letters to the power company and the city makes them even more liable. There is no exclusion in ... | |
| Damage to my home | 2/10/2010 |
| Q: On 6-22-08 a very large tree in my front yard caught fire; the wind blew the power line into it. I ... A: You have done all you can do. I would keep those letters going to both entities. This is your ... | |
| who owns my stolen ring? | 2/9/2010 |
| Q: My engagement ring was stolen 3 years ago in a home burglery. The insurance company DID give me a ... A: Unless your jewelry was individually scheduled on your policy with a specified value for each item, ... | |
| Condo water damage from unit above | 2/7/2010 |
| Q: Jay, Hello. I live on the first floor of an 3 story condo complex in Georgia. One day the water ... A: Sorry for the slow response. I was out of town for the weekend. Typically, in order for someone ... | |
| Insurance Rates | 2/4/2010 |
| Q: I have been with Liberty Mutual for 5 years now. I have a home owners insurance and auto insurance. ... A: Unfortunately, since I don't sell insurance and I'm not located in VA, I can't really speak to the ... | |
| Florida Condo Flood | 2/3/2010 |
| Q: I know I asked you a question earlier as to whether the drywall in my condo is covered for a ... A: Since the first two paragraphs in the portion of the Statute I sent you indicate that the ... | |
| Auto Ins Personal Liability | 2/1/2010 |
| Q: The personal liability on my car insurance is $300,000 per accident and I just received a quote from ... A: Ed, When someone has an at-fault accident or an accident where the company has to pay out over a ... | |
| Auto Ins Personal Liability | 1/31/2010 |
| Q: The personal liability on my car insurance is $300,000 per accident and I just received a quote from ... A: What you have is a choice between having a Combined Single Limit (CSL) or Split Limits. Both have ... | |
| Condo Damage Liability | 1/24/2010 |
| Q: Jay, Hello. I live on the 4th floor of an 8 story condo complex in Florida. I did not have ... A: I'm sorry to hear about your loss. One of the bad things about condo life is how many people can be ... | |
| Care Custody Control | 1/22/2010 |
| Q: Mr. Williams, I recently reviewed your response on the AllExperts website with regard to the CCC ... A: I agree that this is not a bailment situation and that CCC does not apply. My guess is that the ... | |
| auto insurance | 1/22/2010 |
| Q: Two weeks ago I got hit by a lady with insurance, she gave me her information (policy #, name, phone ... A: Unfortunately, this is the reason why calling the police is very important. With information ... | |
| homeowners insurance | 1/19/2010 |
| Q: Can an insurance company force you to carry estimated replacement cost, or deny you coverage if you ... A: The simple answer to your question is yes. Cancellation rules vary by State, but, as an example, in ... | |
| Ice storm weight on roof & subsequent damage | 1/17/2010 |
| Q: I'm in Atlanta, GA, and we recently had a major snow/ice storm and am confused whether homeowners ... A: Weight of ice and snow is a covered peril in a typical HO policy. The only way to find out if your ... | |
| Garage Coverage Symbols | 1/7/2010 |
| Q: Jay, We are having a debate regarding Symbol 30 and would appreciate an independent expert opinion. ... A: Russ, you are fast approaching the status of Insurance Nerd...a title which I proudly wear! ... | |
| Garage Coverage Symbols | 1/6/2010 |
| Q: Jay, We are having a debate regarding Symbol 30 and would appreciate an independent expert opinion. ... A: Garage just happens to be my favorite coverage...since I first got in the business 30+ years ago! ... | |
| Damage to truck | 1/6/2010 |
| Q: I carry 500 ded on Comp Ins an A off a sign was Blown off and it came down on the hood of my ... A: Sorry to hear about the damage to your truck. The ultimate determination of liability is up to a ... | |
| Homeowner Ins Claim after policyholder deceased | 1/3/2010 |
| Q: My mother passed away recently - her primary home is in probate and I am the sole heir. Most ... A: As the executor/heir of the estate, you are certainly entitled to file a claim on behalf of the ... | |
| How to make money with a P&C liscense | 12/30/2009 |
| Q: I have my P%26C. I have been in the business for only 3 months now. I cannot afford to pay my bills ... A: It sounds to me like you are on straight commission income. Many agencies start new producers off ... | |
| Boiler Water | 12/29/2009 |
| Q: My wife and I have been married for 7 months now, of which we have spent them living in an ... A: I'm very sorry to hear about your water damage loss. It's bad enough any time of the year, but ... | |
| Water Damage | 12/22/2009 |
| Q: I work for a remediation company, and we have a question about who is responsible for the drying ... A: The way I see it, the association should bear the expense because the most significant damage will ... | |
| Water Damage | 12/22/2009 |
| Q: I work for a remediation company, and we have a question about who is responsible for the drying ... A: I know there is a lot of contention regarding drywall. Unfortunately most of it is the result of ... | |
| FIRE- LOSSES OF PERSONAL PROPERTY | 12/19/2009 |
| Q: I had a recent loss due to a fire, in 2 outbuildings. They came out and the buildings were a total ... A: I'm sorry to hear about your loss. Depending upon how you had your policy set up, it's very ... | |
| Duty of Cooperation | 12/8/2009 |
| Q: How do CGL Insurers typically proceed when a third party claim (and lawsuit) is brought against an ... A: Hey Michael, The reservation of rights letter is sent to the insured's last known address. It is ... | |
| Duty of Cooperation | 12/8/2009 |
| Q: How do CGL Insurers typically proceed when a third party claim (and lawsuit) is brought against an ... A: When a carrier is having difficulty locating the insured, the first thing they do is issue a ... | |
| Condo Property Management Liability | 12/7/2009 |
| Q: I live in a condominium complex and my father is the property manager. I am looking to build a small ... A: I typed a complete answer to your follow up question yesterday afternoon but I guess I forgot to hit ... | |
| Condo Property Management Liability | 12/7/2009 |
| Q: I live in a condominium complex and my father is the property manager. I am looking to build a small ... A: As an avid skateboarder and surfer in my younger days, I can understand the desire to have some ... | |
| Lapse in coverage - filing claim | 12/4/2009 |
| Q: We've had Statefarm Homeowners on our residence since 1997. We recently got a letter from our ... A: Mrs. B, Your roofer must be referring to a GA Statute of Limitations. I would highly recommend ... | |
| Lapse in coverage - filing claim | 12/3/2009 |
| Q: We've had Statefarm Homeowners on our residence since 1997. We recently got a letter from our ... A: B, Laws regarding Mortgagees and insurance in escrow vary from state to state. In FL, where I ... | |
| Condo Asso. liability | 12/1/2009 |
| Q: my ground floor condo unit in Naples was just flooded from and outside main sewer line that was ... A: Sounds like you have quite a mess. If this is a loss that's covered by insurance, you would be ... | |
| Policy type | 11/30/2009 |
| Q: Can you tell me what is the difference between claims made / occurence based / and claims paid ... A: I'll try to simplify this answer as much as possible. A claims-made policy covers claims that occur ... | |
| becoming affiliated with an insurance company | 11/29/2009 |
| Q: My question is... once becoming licensed, etc., how do I find out how to become affiliated with ... A: One thing I've learned in all my years is that my kids probably know much more than I do...LOL. One ... | |
| becoming affiliated with an insurance company | 11/27/2009 |
| Q: My question is... once becoming licensed, etc., how do I find out how to become affiliated with ... A: As a newly licensed person, getting a direct contract with insurance companies is very difficult. ... | |
| Rental property coverage - multiple states | 11/27/2009 |
| Q: I am trying to understand how to go about getting coverage on a couple of homes I own. I purchased a ... A: In the "old days" it was easy to find a company that would just endorse additional locations on to ... | |
| 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 ... | |
| 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? ... | |
| 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 ... | |
| 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. ... | |
| 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 ... | |
| 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! ... | |
| 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 ... | |
| 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, ... | |
| 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 ... | |
| 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. ... | |
| 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 ... | |
| 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, ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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' ... | |
| 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. ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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. ... | |
| 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 ... | |
| 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. ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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. ... | |
| 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 ... | |
| 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, ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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, ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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, ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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? ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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. ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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. ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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. ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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. ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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. ... | |
| 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. ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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. ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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. ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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. ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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! ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
Property & Casualty Insurance
Answers by Expert:
- Kevin Hromas - JD, EGA, RPA, PLCS, WIND Umpire
- James R. Berliner, CPCU
- Fred Morris
- Harold E. Long, LUTCF, CLU, ChFC, RFC, RHU, REBC, CIC
- Dennis Smith
- James R Carrier
- Wim Desmadryl
- Bennie719
- Deanna Terry
- Thom Brooks
- Kristen Mulcahy, CIC
- Hal McFarland, CIC, ARM
- Jay K. Williams, AAI, AIP, CIC, CRM
- steve zimmerman
- Dominick Belinchak
Jay K. Williams, AAI, AIP, CIC, CRM
Top Expert on this page
Expertise
I can answer questions relating to the following coverages: personal auto; homeowners; commercial auto; commercial liability; commercial property; business income and all other property and casualty coverages.
Experience
I have been in the insurance industry in Florida since 1979. I am currently the president of a Florida domestic insurance company subsidiary. I've taught continuing education classes in Florida and across the country. I am quite familiar with all coverages including Florida Condominium master policies and unit owner policies. I also specialize in agent professional liability. I have been a professional educator since 2001.
Organizations
I am a member of the Florida Associaion of Insurance Agents, the state affiliate of the Independent Insurance Agents and Brokers of America.
Education/Credentials
I currently carry the following professional designations:
Accredited Advisor in Insurance (AAI)
Associate in Insurance Production (AIP)
Certified Insurance Counselor (CIC)
Certified Risk Manager (CRM)
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