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Property & Casualty Insurance/Questions Answered by Expert Harold E. Long, LUTCF, CLU, ChFC, RFC, RHU, REBC, CIC
| Subject | Date Asked |
| ins claim Property and Casualty | 12/23/2011 |
| Q: Mr. Long, On the 23rd of Nov 2011 a contractor was bringing in a load of concrete to be unloaded ... A: I am very sorry about your loss. Well, it's to hard of question to give a full answer to without ... | |
| Home Insurance Coverage - Deck | 11/18/2011 |
| Q: Without sounding bias I will ask my question for your response. Here are the facts: A few months ago ... A: You need to get an outside company to appraise the situation, and then go from there. You should ... | |
| Home Insurance | 11/5/2011 |
| Q: My mother tells me we have home insurance which covers us if our house is broken into, but if we ... A: A police report would have to be filed & investigation on loss. If there were no evidence of loss, ... | |
| Getting started | 10/20/2011 |
| Q: I live in Arizona. I'm currently in the process of reading and studying to get my Life and Health ... A: It all depends on what you are looking to do which career path to take. You do not need a college ... | |
| Texas wildfire - home destroyed | 10/8/2011 |
| Q: My home was destroyed last month during the wildfires in Bastrop County, Texas. It was a 100% loss. ... A: I am sorry you suffered such a loss to your home and belongings. All insurance companies obligation ... | |
| Homeowner's Ins. claims | 9/22/2011 |
| Q: My home in Texas was damaged by hail. The insurer has given me a check for about 70% of the ... A: That is standard that the carrier handle the claim that way. As far as what you do with the money is ... | |
| starting P & C agency | 5/3/2011 |
| Q: I see by your professional designations that you are an expert. I have held a NY life, accident and ... A: Please go to www.scic.com, and ask for some contacts in your area, that can mentor and help you find ... | |
| Residence Employee under Homeowner Policy | 4/22/2011 |
| Q: Is a "sitter" considered to be an insured under a homeowner policy? If a person works in your home ... A: Here is a standard definition of a home policy, you would need to read your particular policy very ... | |
| Neighbors chimney bricks fell and hit my car!! | 4/4/2011 |
| Q: My neighbor's chimney has been ready to fall for a couple years now. We have told him on more than ... A: You can file claim with your carrier, and the carrier may go after him for their money back, or you ... | |
| Fire Claim: Replacement | 2/3/2011 |
| Q: Mr. Long, I'm working a fire claim issue for my mother whose house was about 65% destroyed in a ... A: The insurance company's obligation is to put the insured back in a pre-loss position. Your mother's ... | |
| Fire Claim: Replacement | 1/23/2011 |
| Q: Mr. Long, I'm working a fire claim issue for my mother whose house was about 65% destroyed in a ... A: You will need to read the policy settlement clause, and ask to speak to the director of claims of ... | |
| Broker "Fraud" | 10/5/2010 |
| Q: I will try and make this as brief as possible. In 2002, I purchased a very small house in NJ. I ... A: I understand your frustration, and not knowing all the facts of what happened my comments will be ... | |
| Insurance Payment | 9/6/2010 |
| Q: A plumbing problem caused water damage to our home and I have a $20,000 insurance check for this ... A: The mortgage company has same rights as your, as long as they have a lien on your home, and in this ... | |
| Homeowner's insurance for an estate | 8/19/2010 |
| Q: My sister recently passed away and while the estate is still in probate her home insurance lapsed. ... A: You can find carriers to handle this, call the Florida Dept. of Insurance for referrals for this, or ... | |
| mold - renters insurance | 8/2/2010 |
| Q: I am currently renting a home. I took out a good renters policy with liberty mutual. We noticed ... A: I am sorry you are having this kind of trouble. You most likely have exclusions on both the landlord ... | |
| new agent | 7/19/2010 |
| Q: I passed the P %26 C insurance test- waiting for license from LA. I don't want to work for someone ... A: Being a new agent, with no current book of business, it will be very hard for you to get contracted ... | |
| house insurance | 7/3/2010 |
| Q: I own a triplex and am told that Travelers Insurance is the only insurance company that I can get ... A: I am not sure where you live, so hard to give a straight answer, but yes, there should be other ... | |
| Roof Damage Due to Windstorm | 6/24/2010 |
| Q: Our roof sustained damage due to a windstorm in April 2010. Our roof leaks in our family room each ... A: Yes, this is normal practice in the industry. As a mortgagee on your home loan, they have "rights" ... | |
| Rental Dwelling Coverage on Well Pumps | 6/11/2010 |
| Q: Is there property insurance coverage that protects well drilling and pump replacement available ... A: I am not clear on what you mean by Well Drilling, and pump replacement. You can purchase sewer ... | |
| In-Ground Swimming Pool Coverage | 5/31/2010 |
| Q: My in-ground swimming pool received damage from the heavy snowfall in the Mid-Atlantic region this ... A: Your best bet is to take your current home policy, and any correspondence from the current carrier, ... | |
| Question vs. Claim | 4/7/2010 |
| Q: I have had home owners insurance with the same company for 18 years without a single claim. Due to ... A: I am sorry you are having trouble. You have to remember an agent represents the company, and a ... | |
| P&C career | 3/3/2010 |
| Q: Long, I worked for Metlife for 1.5 years has a Financial Advisor than I resigned, because in 2009 ... A: Good Morning Frank, I suggest you read "Think and Grow Rich" By Napoleon Hill %26 "If How To's Were ... | |
| Independent Agent | 2/15/2010 |
| Q: I am looking into starting a small business as an independent insurance agent for both Health and ... A: Your best bet is to contact your local Independent Insurance Agent Association in your state, just ... | |
| Insurance Rates Wrong? | 2/4/2010 |
| Q: I have been with Liberty Mutual for 5 years now. I have a home owners insurance and auto insurance. ... A: It is always wise to review your insurance every 2-3 years in the market place, it forces you to ... | |
| house fire | 1/12/2010 |
| Q: I had house fire while go. I had just move i 3 weeks before and was waiting for my new furniture ... A: I am not sure how you are going to be covered under your landlord's policy at all, would need to ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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, ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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. ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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. ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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, ... | |
| 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 ... | |
| 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 ... | |
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
Harold E. Long, LUTCF, CLU, ChFC, RFC, RHU, REBC, CIC
Top Expert on this page
Expertise
Auto, home, Life, Health, Disability, and Long-term Care Insurance, general questions about coverage and policy language.
Experience
I am a Certified Insurance Counselor and have been in the insurance business since 1990.
Organizations
Society of Certified Insurance Counselors and the Society of Financial Professionals.
Education/Credentials
BA from Missouri Baptist University, and I hold six professional designations.
Awards and Honors
1990 Rookie of the Year, Gold Seal Agent, Top Producer for auto, home, life, and health insurance for AAA Auto Club of Missouri and Anthem Blue Cross of Missouri.
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