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Property & Casualty Insurance/Questions Answered by Expert steve zimmerman

Subject	Date Asked
Auto insurance	10/25/2010
Q: I am a insurance agent from Minnesota. I had a state patrol officer call my office, and tell me he ... A: Never heard that before. What if the officer stopped him after hours when you are closed, would he ...
car theft at car wash, they deny liability	7/19/2010
Q: My car was stole from a full service car wash in Florida and the owner claims he is not liable ... A: Speak to your insurance company, they can send you in the right direction. You may need to speak ...
Parked car incident	1/18/2010
Q: My 18 yr. old nephew (who has no drivers' license) damaged two parked cars over the weekend with his ... A: Not familiar with the laws of your state, i would recommend his parents contact an attorney, if not ...
financial integrity	9/22/2009
Q: I am about to send a rather large check to United Property & Casualty Ins. Co, ($4, 800) for a 1 ... A: They are iffy at best......I think they will pay if you have a claim but as a lot of companies their ...
Water damage claim	7/29/2009
Q: We have a pending claim with our insurance company and I am becoming more and more frustrated ... A: talk to your adjuster, explian what you told me, make sure you at least have a second estimate, if ...
Condo Unit in Florida	7/24/2009
Q: Very recently,it was discovered that the "shower pan" was leaking, which caused water damage beneath ... A: Insurance companies have been getting tougher on claims the last few years. In reality they should ...
Farmers making us feel like thieves!	3/5/2009
Q: We have farmers insurance. A pipe burst in our laundry room causing the water to flow thru our ... A: This is a tough one, it is a he said she said, short of engaging an attorney, i would hire an ...
FL H03 policy insurers	2/14/2009
Q: Greetings - I am looking to change homeowners insurance companies and I am having difficulty ... A: Your agent usually has 4-6 companies he can write for, if he is a reliable agant of a reliable co, ...
water heater	2/10/2009
Q: I'm a first time buyer and I'm in escrow for a stack condo which has its water heater on the 3rd ... A: this is a tough one. First check the documents and see if the assoc, or you are responsible for the ...
Insurance - Fire Loss	2/4/2009
Q: I recently had my home to burn completly down and I owe 105,000 on it and it will be paid for in 10 ... A: sorry for your loss!!! I am not too familiar with the law, but as far as i kno (you can ask your ...
condo insurance	12/25/2008
Q: We own a condo unit in which our daughter lives. We just received a notice from the Association ... A: Unfortunately it is legal. More and more associations are requiring this, the good thing is when you ...
Mold & Water Damage	11/20/2008
Q: I live an a condo in South Florida. I recently discovered the main water pipe in 1 of my bathrooms ... A: get a copy of the Associations policy, then take your policy (contents ins. if you have it), go over ...
Homeowners Insurance	11/9/2008
Q: I am currently shopping for lower insurance rates. I have Citizens at the moment. I have a quote ... A: ok, broward, i am in broward also, way out west, my home was built in 1995, i currently have st ...
Homeowners Insurance	11/9/2008
Q: I am currently shopping for lower insurance rates. I have Citizens at the moment. I have a quote ... A: first off, what year was your home built, what county are you in? There are many compnies that write ...
TREE	10/29/2008
Q: We have a large tree in our back yard and the limbs continue to fall and damage the roof. We filed ... A: Evangeline, if you keep having this problem, why do you not do something about the tree????? Either ...
Practice Test Questions	10/23/2008
Q: Do you know if there is a program out there that gives you practice questions to take the 2-20 in ... A: i do not think you will get this in enough time, but search the net for the florida insurance school ...
Florida homeowners	10/1/2008
Q: What are names of companies who write homeowners insurance policies in northeast Florida? Art A: there are many, but it depends on the year, and location of home especially if it is east or ...
Life Estates and homeowner insurance	9/10/2008
Q: Zimmerman and thank you for your time. My sister and I own a house in Florida which is occupied by ... A: john, it is possible if god for bid a claim, it would be paid then the policy would be cancelled. ...
Hurricane Insurance	6/23/2008
Q: I'm moving to FL from Las Vegas and I would like to know more about hurricane insurance. I plan to ... A: if you are buying a condo, and there is an association, you do not need the dwelling part of the ...
insurance claim for stolen heat pump	6/17/2008
Q: .my Mom's heat pump was stolen and I'm debating whether or not to file a claim. I'm receiving ... A: first, how much will it cost to replace the air handler and heat pump???? If it is substantial, then ...
insurance courses in Broward/Palm Beach counties	5/5/2008
Q: I am a gentleman (one would hope) in South Palm/Broward who is seeking to get into the insurance ... A: Dan, you can check about doing an online course thru Broward community college, take a test then be ...
insurance courses in Broward/Palm Beach counties	5/5/2008
Q: I am a gentleman (one would hope) in South Palm/Broward who is seeking to get into the insurance ... A: much luck to you..yes you need to be licensed. you can go to a class (gold coast would be fine), get ...
car damaged while at repair shop	4/23/2008
Q: while my car was in the repair shop, it was sideswiped and sustained estimated $3K-$4K damage. ... A: Johannes, sorry for your problem. The repair shop has a responsibility to repair your vehicle. If ...
Stats	4/7/2008
Q: Steve, Just finished reading your stats. It appears that you have answered 34 questions since ... A: hey frank, that is one more person then you would have had...i need not explain myself, but if it a ...
car insurance check	3/28/2008
Q: I purchased a van a couple of months ago. I was in an accident last month. The insurance company ... A: Say the check was for $5000.00. If you owe $8000.00 the insurance co will take the check and make ...
condo ins	2/10/2008
Q: I had a leak inside the wall.Assoc had to pull Cabernets out to reach & repair pipe. My kitchen cab. ... A: you are responsible for the walls in which include the cabinets etc my knowledge is very ...
Water damage question	2/7/2008
Q: Our situation is a different one I think, we have a couple things going on. First we had an upstairs ... A: sorry about your damage. unfortunately it is your responsibility to make sure the insurance does not ...
florida insurance	1/18/2008
Q: I am in the market for condo insurance....can you recommend a few good companies and can you tell me ... A: Where do you live??? You need coverage for contents, (clothing, tv's, computer, furniture...Also, ...
What does earthquake insurance cover?	12/7/2007
Q: I live in California and own a single family home. I am offered earthquake insurance every year ... A: if there is an earthquake, all damage is covered under the earthquake insurance, i live in florida ...
HOA/ Citations and Tow company	11/17/2007
Q: Yesterday I came down stairs to find my vehicle missing.It had been towed due to lack of visible ... A: Sorry to hear all the grief you guys have been going thru!!! HOA's are very touchy..I live in one ...
Condo Homeowners' Insurance	10/1/2007
Q: I have a question. I live in a condo in Miami. It has been raining for days and we are ... A: Yes, technically the condo should pay, (depending how your docs are written). Problem being the ...

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steve zimmerman

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Expertise

Can answer questions relating to auto, single family home, and condominium insurance. Can answer general questions, and an expert on policies in florida

Experience

Sucessful agent with the necessary 220 license for the state of florida

Education/Credentials
Bachelor of Science degree

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