| Subject | Date Asked |
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| storage shed in friend's yard | 10/5/2009 |
Q: An elderly friend of mine allowed me to build a O.K.'d wood shed on her property to store my ...
A: The neighbors homeowner insurance policy would not cover your stuff at all, unless you were defined ...
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| home liability | 10/4/2009 |
Q: If I have someone who is working on my property, say a neighbor who I pay to help me with painting, ...
A: You will have to read the exclusion section of your policy, but most likely not covered for worker's ...
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| Home Insurance Requirement - Refi | 9/15/2009 |
Q: I have a client who is in the middle of a refi. The new mortgage company is requiring that they ...
A: In New York, a section of state Banking Department regulation prohibits mortgage lenders from ...
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| home insurance for a duplex | 8/12/2009 |
Q: My husband, my sister & I own a duplex. My sister lives on one side of the home. My husband & I ...
A: The first question is do you all three of your names appear on the deed? Next, you cannot separate ...
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| 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 contact the department of insurance for your state, and see how this companies rate in your ...
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| 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: If you have a written contract with one party, and he or she hires subcontractors, then that is on ...
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| Filing claim with auto insurance company | 6/17/2009 |
Q: If I file an auto claim with StateFarm, am I obligated to stay with them for a certain amount of ...
A: You are not obligated to stay with State Farm. All though ALL insurance companies handle claims in a ...
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| new jersey prop cas question | 5/19/2009 |
Q: An insured has 40,000 dollars of coverage on a homeowners policy. A loss of 8,000 dollars on an ACV ...
A: It all depends on the amount of co-insurance required in the policy, typically 80%, unless bought ...
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| home owner blonde moment | 5/11/2009 |
Q: This is going to sound strange. A friend of mine was visiting her sisters house. She casually ...
A: So sorry to hear about the bizarre incident, but unfortunately there is no coverage for the truck, ...
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| homeowners insurance | 4/15/2009 |
Q: What kind of insurance policy am I looking for that takes my primary home and converts it to a ...
A: You need a Dwelling Fire Policy! Go to www.scic.com and contact them for a referral for Certifed ...
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| GAP Insurance | 2/16/2009 |
Q: I'm purchasing a 2008 Ford Focus SE from Carmax today and since they don't offer separate GAP ...
A: Please check with your auto insuance carrier, and ask them if the offer replacement cost coverage or ...
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| Insurance | 1/29/2009 |
Q: My car was hit in an accident badly, it was declared other drivers' fault. My insurance is ALLSTATE ...
A: I am sorry for your loss, and lack of service. I am not sure about Maryland Law, but you can go to ...
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| P&C | 12/30/2008 |
Q: What is your recommendation for starting in the P&C business? A little background. I was in life & ...
A: Contact my friend Tim Hyland in KY, or Henry Powers in MO., and see if they can put you in touch ...
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| Percent of total loss | 12/18/2008 |
Q: I had a house fire recently. My adjuster states that he is unwilling to total the house because he ...
A: Sorry you had such a great loss. I would ask to speak to the director of claims for your company ...
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| paid career training | 10/29/2008 |
Q: 1-WHAT COMPANIES, AGENCIES, BROKERS OFFER OPPORTUNITIES TO GET PAID WHILE TRAINING FOR A INSURANCE ...
A: You will have to just research the companies in your area to see what they offer, I have know idea. ...
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| roof | 10/26/2008 |
Q: I have a replacement policy on a home that was built in 1902 and in 1992 a tornado threw a tree on ...
A: You have to read the policy, but the insurance company is required to put you back to a pre-loss ...
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| Hit and Run | 10/22/2008 |
Q: I was hit by a truck running a stop sign no witnesses. Clipped front wheel of bicycle, and through ...
A: I am sorry to hear about your claim, that bites. You can claim Medical payments on your auto ...
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| Damage to a Parked Car | 10/11/2008 |
Q: Someone Did Damage to my car while parked in an IHOP parking lot. I and my husband and 5 people was ...
A: You have three options: 1. File the claim through your company, pay your deductible, then if your ...
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| Life Insurance Policies | 8/26/2008 |
Q: My mother-in-law, Mrs. E.G. Gembler of San Antonio, TX passed away in 2000. My husband Ronald R. ...
A: I would be unable to assist you, I am not licensed in Texas, but you can do this on your own if you ...
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| Failure to file SR-1 | 8/18/2008 |
Q: My girlfriend had a fender bender last January. The total damage was $1000 to her vehicle, she ...
A: Sorry to hear about your girlfriend's dilemma. The SR-22 is a court ordered filing, requiring ...
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| claim for roof replacment | 8/1/2008 |
Q: WHY..WHEN I FILLED AN ROOF CLAIM...THE INSURANCE COMPANY SENT THEIR ADJUSTER OUT AND THE CHECK WILL ...
A: I believe what you're asking is this typical, and the answer is yes. If the mortgage company has a ...
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| bicycle accident | 7/19/2008 |
Q: My son was injured in a bicycle accident on my sister-in-law's property. He had to be life-flighted ...
A: Wow Tammy, I am so, so, sorry to hear about you son, I will lift all of you up in prayer for sure. ...
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| Water damage from fish tank | 6/13/2008 |
Q: our 250 gal. fish tank cracked on the bottom and drained completely while we were gone. We have ...
A: Once again Holly I am sorry for you loss. If you have an "All Risk Policy" Then it is covered ...
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| Water damage from fish tank | 6/6/2008 |
Q: our 250 gal. fish tank cracked on the bottom and drained completely while we were gone. We have ...
A: I depends on what policy form your home insurance is written on, All Risk or Named Peril, if it's ...
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| auto accident had no insurance | 5/24/2008 |
Q: I was in an accident a few months ago, the other driver hit me in an uncontrolled intersection. It ...
A: All you can do is make your argument with them, if they still insist you are at-fault and want you ...
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| Co-Op fire property damage dispute | 4/8/2008 |
Q: My wife and I recently purchased a co-op. We then had a small fire and incurred minimal damage ...
A: The key is negligence, and you'll have to read the policy, almost impossible to answer without ...
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| Fire damage | 3/20/2008 |
Q: I am a resident of South Carolina. My house had the vinyl siding melt when a fire broke out in my ...
A: Henry, Im sorry about your loss. Their insurance should pay under the property damage liability ...
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| Auto Claim | 2/20/2008 |
Q: In the state of Texas does auto comprehensive coverage cover a anaimal chewing up the wiring in my ...
A: You will have to read the policy for accurate advise on this coverage question, look under ...
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| Tree fell on my car -- landlord not responding | 2/7/2008 |
Q: hope you can help. My son lives in an apt bldg in a university town. He's a student at the ...
A: C., Unless you have comprehensive coverage on your car, there is really nothing you can do but ...
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| car vs. bike | 2/6/2008 |
Q: I was recently involved in a car vs. bike collision, me being the car. A 13 year old boy cut out in ...
A: Stac, You can always be sued, "ALWAYS". You need to just notify your insurance company of the ...
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| Different Coverages | 1/21/2008 |
Q: Is there any sort of tip you can give on how to learn and be able to differentiate between all of ...
A: You can go to http://www.adbanker.com/examPrep.aspx and purchase prep materials to help you or check ...
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| insurance | 12/3/2007 |
Q: when an equipment breaks in a commercial property is the floor cover du to the water damage couse by ...
A: Maria, If a pipe breaks, the damage the water caused should be covered, but it depends on what form ...
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| Our home buglarized | 11/29/2007 |
Q: My home was burglarized two ago and they took my entire jewelry box along with Christmas gifts ...
A: Adina, This kind of claim can vary depending on the company and their internal policies for ...
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| car accident | 11/21/2007 |
Q: i was involved in a car accident the person responsible has liability insurance 10,000 per person. i ...
A: Good Morning! I am sorry to hear about your accident. Absolutely you can ask them that, but until ...
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| auto/bicycle accident | 11/13/2007 |
Q: Harold I was recently hit by a vehicle on 9-21-07 while riding my bicycle. The driver was totally ...
A: Mike, I am sorry to hear about your accident. The other driver's insurance Bodily Injury Coverage ...
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| AUTO ACCIDENT LIABILITY QUESTION | 10/8/2007 |
Q: there has been one complicated accident. There were 3 students + 1 school coach that went to field ...
A: What a tragedy, I completely understand your frustration and concern for these students and their ...
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| state farm claim | 8/31/2007 |
Q: NOW MY QUESTION IS I HAVE CLAIM WITH STATE FARM PENDING FOR BACK UP SEWER MY WATER BACKED UP IN ...
A: I would suggest hiring a building inspection company to come out and inspect the property and ...
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| jewelry and home owners insurance | 8/28/2007 |
Q: Harold, We were recently robbed and lost about $25,000 in jewelry. In reviewing our policy we ...
A: Giac, I am sorry for your loss and hope your resolve it soon. The $1,000 dollar special limitation ...
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| Where do I start? | 8/27/2007 |
Q: I took my P&C exam and received my license while working for large direct insurance company and have ...
A: We live in the greatest country in the world, you can do and become anything you want, and you have ...
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| Sales goals, etc. | 8/27/2007 |
Q: Mr. Long To give you some background I am a field underwriter for a small mutual insurance co for ...
A: Good Afternoon Beat, Welcome to sales, your goals are reasonable, but your premium is low, I would ...
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| insurance claim | 8/24/2007 |
Q: I would very much appreciate some help in dealing with my insurance company regarding 2 claims. I ...
A: I am sorry for your loss and frustration. Unless she had a home, renters, or condo policy of her ...
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| at fault accidents | 6/25/2007 |
Q: The 2nd day after purchasing a 2007 honda civic I backed it into a brick wall. This damage was ...
A: Good Afternoon Joe, I can't tell you exactly because I don't know GEICO's surcharge policy, but ...
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| P&C broker license | 5/30/2007 |
Q: I got a P&C broker license in NY however I dont have any experience.Its been suggested to work for ...
A: Good Evening! I am glad your looking to pursue a career in property and casualty insurance. I am ...
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| Homeowners insurance claim problems | 5/24/2007 |
Q: We had a windstorm on April 16th which caved in and blew over our above ground pool. It also tore ...
A: Sorry for your major claim issue. This needs to be handled through an attorney and I suggest you get ...
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| PC Sales | 5/21/2007 |
Q: "I currently am a small commercial/farm underwriter for a statewide insurance company. I have been ...
A: Good Morning! This is a personal decision. I would lead you toward the independent side, mainly ...
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| Auto insurance for 17 year old | 4/16/2007 |
Q: I bought an inexpensive vehicle for my 17 year old step-son last year. He, his mother, and I live in ...
A: Lee, You are obligated to notify the insurance carrier of all drivers and/or changes to your ...
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| am i still covered? | 1/26/2007 |
Q: a little complicated. My monthly car insurance{liberty mutual}is taken out eletronicaly of my ...
A: Stacy, You need to keep a log of who you talked to, when, and what time, as they telling you that ...
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| credit check on insurance? | 1/3/2007 |
Q: i have had my home and homeowners insurance for 2 years now with no claims or casulties. my premium ...
A: Credit ratings are used almost every where with every company in todays market place. Insurance ...
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| Property | 12/16/2006 |
Q: We just had a wind storm come thru and one of the trees on our property fell on a house that is ...
A: The person's home with which the tree fell will be covered under their own homeowner's insurance, ...
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| Liability for adult children | 11/28/2006 |
Q: My friends and I have been having a debate and I think I am right (of course). The question is: You ...
A: Kathy, It is not a cut a dry answer and it depends on the state your living in. If the car it ...
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| accident w/o insurance | 10/26/2006 |
Q: I rear ended a car on 9/8/06. I had let my insurance lapse two months prior (I didnt drive the car ...
A: You will need to continue to consult with your attorney on this matter. There is no time table ...
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