| Subject | Date Asked |
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| Sworn Statement in Proof of Loss | 10/1/2009 |
Q: We are in the middle of a home fire claim with California FAIR Plan Association and they use ...
A: Yes, you absolutely could be signing away rights. A sworn proof of loss is your signed sworn ...
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| Personal property fire issues | 9/28/2009 |
Q: I have received a check for my personal property minus depreciation hinging upon replacement within ...
A: The actual cash value money is yours to do with as you like. However, the insurance company only ...
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| Fire damage | 9/24/2009 |
Q: My sons house caught fire a few months ago. They have been waiting on the insurance to settle with ...
A: Something is not right here. I will need more info in order to guide you. Who the insurance ...
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| Large loss | 9/4/2009 |
Q: I submitted a claim on 1/19/09 to Liberty Mutual, my home collapsed and over the phone the adjuster ...
A: Please email me again and mark it private. I will then email you my personal information so I can ...
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| Water Damage to Carpet | 9/2/2009 |
Q: We recently had a technician in the house to run an HDMI cable to our new TV. He had to go up into ...
A: If this was YOUR insurance company I could tell you that no, you had new carpet they owe you new ...
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| photo requirements for a claim | 8/19/2009 |
Q: I would like to know if any photograph of any personal items is valid in case i have a claim. I ...
A: Photos are always helpful but should be updated regularly (yearly). For expensive jewelry, ...
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| water damage | 6/9/2009 |
Q: I have recently had a flood in my entire house, standing water from a burst pipe for 2 days. I have ...
A: I am sorry for your loss. There are numerous questions in here and numerous ways to address this ...
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| tree replacement after a fire. | 6/5/2009 |
Q: I am helping by parents work with state farm insurance after a fire destroyed there house last fall. ...
A: "If Needed" is determined by the limits. If the dwelling would require the full (called reaching or ...
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| Office Furniture Damage | 6/3/2009 |
Q: Deanna: We have a leased warehouse where we store cubicle office furniture for resale. The tenant ...
A: I am not as well versed on business property as I mainly work in residential. However, I will do ...
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| tree replacement after a fire. | 6/3/2009 |
Q: I am helping by parents work with state farm insurance after a fire destroyed there house last fall. ...
A: I will do the best I can to answer your question. The basic idea is there is usually 5% coverage ...
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| water damage on condo | 5/23/2009 |
Q: I recently had a hose break on my washing machine. All my floors had to be taken out and SERVPRO did ...
A: The attached flooring and wood trim does fall under structure. The only time flooring and trim ...
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| Fire Loss Proof of Loss | 4/23/2009 |
Q: My son's house had a fire 2/5/2009. It is a total loss. I have been told that the Insurance company ...
A: Please email me and mark the box for Private: YES instead of NO Then I can email you my phone ...
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| Personal Property Insurance | 4/16/2009 |
Q: This past September we switched insurance companies and cancelled all of our policies with the old ...
A: You may only collect the amount of value for the earrings. Some people have several policies ...
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| Determining Basis of Personal property lost in fire last summer | 4/6/2009 |
Q: Unlike the experience of some of your readers, our insurance company treated us wonderfully ...
A: I cannot formally answer a tax question. What I can tell you is your insurance company already ...
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| Rented a cabin | 3/31/2009 |
Q: I rented a cabin in the mountains for a family weekend getaway. The cabins are owned by individuals ...
A: I am sorry for your experience. I cannot answer whether or not the rental company is responsible. ...
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| smoke damage | 3/28/2009 |
Q: My husband and I recently had a stove fire and severe smoke damage to our home. We filed a claim ...
A: I apologize for the delay. I did indeed answer this question, I must have had a computer glitch and ...
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| PRIVATE | 3/27/2009 |
Q: Deanna, Thank you for taking the time to respond and to call me. I must warn you in advance that I ...
A: Numbers are Blocked. And this is a good thing! There is a box when you email that says private and ...
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| House Fire | 3/24/2009 |
Q: We had a house fire last week that the insurance company has declared a total loss. My question is ...
A: This is not a simple or short answer. There are questions I have in order to guide you correctly. ...
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| loss of property | 3/21/2009 |
Q: It's hard to reconstruct the value of one's property after you have a fire. What can I do now to ...
A: There are professional companies out there who will come in and catalog your property. If you wish ...
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| Damage to condo unit | 3/19/2009 |
Q: I live in Northern California and last week our kitchen was damaged caused by fire directly below ...
A: If your property can not be returned to pre loss condition, you can claim replacement. If it can be ...
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| Fire Damage Claim | 3/9/2009 |
Q: I recently suffered fire damage to my home which resulted in a total loss of all structure and ...
A: If your friend is a renter, she has no coverage. If the items she purchased for the house were ...
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| Tree Falling Proerty loss | 3/4/2009 |
Q: I had a very large tree (14' round 120' tall) fall and damage my neigbors roof, landscaping, other ...
A: Basically, unfortunately, as much as you are willing and wanting to do the right thing, this isn't ...
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| Fire Loss | 2/23/2009 |
Q: Deanna Thank you for the previous responses, time and consideration. The answers on this site are ...
A: First, let me say I am very sorry for your loss. Your questions are not out of my expertise, ...
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| House Fire | 2/21/2009 |
Q: How long do I have to submit the contents list for a total loss of home due to fire? Claim adjuster ...
A: You have to submit what is called a signed Proof Of Loss statement within 60 days of their request ...
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| fire loss | 2/4/2009 |
Q: Same as Gene 1-22-09. Have a few other questions on procedure to. Agent not sure how to do paperwork ...
A: Please email me through this site and mark it "private". I will then e-mail you my phone number. ...
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| question about steps to take on fire loss | 1/22/2009 |
Q: We had a total loss within the last month. My agent from allstate is supposed to get me a copy of my ...
A: Gene, First, I am sorry for your loss. I know how devestating it is. I have been in this business ...
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| Fire Claim | 1/18/2009 |
Q: Ms. Terry - The home next door to my friend caught on fire, the wind blew, my friend's home caught ...
A: The best direction I can give you is to seek an attorney who specializes in insurance. What would ...
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| State Farm Homeowners Insurance | 1/15/2009 |
Q: My property is in Santa Barbara, CA. I lost a detached pool house, pool equipment, pool cover and ...
A: I agree with your wife, although it must be included the insurance contract is also held to the ...
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| Personal Property list | 1/13/2009 |
Q: Steve- Is there a pre-filled list of personal property that one can use in the event of a fire to ...
A: I saw this question in the answer pool. It is very hard to put together a list. There are services ...
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| State Farm Homeowners Insurance | 1/13/2009 |
Q: My property is in Santa Barbara, CA. I lost a detached pool house, pool equipment, pool cover and ...
A: I am sorry for your loss. Plants which are not attached to the ground are not landscaping. ...
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| fire in camper | 1/5/2009 |
Q: We had a total loss of our camper which is our home. We travel full time with gas pipeline. The ...
A: I am sorry for your loss, and I do understand how overwhelming the process and developing a content ...
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| cleanup and restoration after a fire | 1/2/2009 |
Q: Please advise if you can. My house had a small fire Sunday nite. I suffered plastic smoke inhalation ...
A: Whatever it takes to ensure your health is what is of primary importance. You are entitled to the ...
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| Paying an insurance deductible | 12/17/2008 |
Q: Earlier this year i had a fire in my apartment and was liable. I am paying back the insurance ...
A: I am not an attorney. As a consumer, I would not pay a dime until I was given proof they paid the ...
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| House Fire | 12/17/2008 |
Q: I had a house fire on 11-2-08. My insurance does not want to pay my contractor any money up front ...
A: This is not standard procedure. You should be entitled to the actual cash value of the damage to ...
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| home contents | 12/10/2008 |
Q: I had my house burn down just last Saturday,today i received a sworn statement in proof of loss form ...
A: I am very sorry for your loss. The proof of loss is not to give them an idea, this is a sworn ...
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| fire claim | 12/4/2008 |
Q: my home recently caught on fire and the insurance sent a contractor out and they gave me an ...
A: I am not a dwelling expert, my expertise lies more with content, however I will give you my opinion ...
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| Follow Up on garage | 12/3/2008 |
Q: My grandma had a house fire this summer. She lost everything -- garage, house, contents. Her ...
A: I should have clarified the garage situation a little better. Here is the simplest method I know to ...
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| Actual cash value/replacement cost | 11/16/2008 |
Q: 1)What amonut would a person with actual cash value coverage receive for two-year-old furniture that ...
A: ACV and Replacement cost formulas vary from company to company. There is nothing contractual about ...
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| Fire Restoration / Insurance | 11/6/2008 |
Q: I had a fire in my home on 10/30/08 in NC. What should I watch out for from the insurance company? ...
A: I sincerely apologize for not getting back with you until now. I have been having computer problems ...
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| total loss from tornado, content list | 11/3/2008 |
Q: I'm trying to get some help for my parents. Their home was destroyed by a tornado that hit the town ...
A: This is not going to be an easy road. A lot will depend upon which insurance company it is and how ...
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| BUILDERS RISK | 10/29/2008 |
Q: My husband and I were having a new house built and hurricane Ike managed to destroy it. It was ...
A: Depreciation is based on age and condition of the insured property at the time of the loss. ...
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| Fences/depreciation | 10/26/2008 |
Q: Some 80ft of common fencing between my neighbor and myself was blown down in Houston (H.Ike) along ...
A: I would send a letter in writing to your adjuster requesting him to quote the specific language of ...
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| Damage | 10/23/2008 |
Q: We were out of town for a few days and my refridgerator began to leak. My father discovered it and ...
A: First, I apologize for taking a few days to get back with you. I had internet trouble. If the ...
|
| contents | 10/12/2008 |
Q: My insurance co., Guide One, is trying to deny my claim for contents in a rented home. Their lawyer ...
A: I am very sorry for the experience you are suffering. However, maybe I can ease your mind a bit. ...
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| House fire now what? | 10/9/2008 |
Q: My name is Robert. On 10/07/08 our house had a fire which caused substantial damage to our home. ...
A: First let me say I am very sorry for your loss. I do understand the challenges you are facing. It ...
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| theft of property not at my residence | 10/8/2008 |
Q: I am separated from my husband. He lives in the home that we both have title to, and I have my own ...
A: She is correct.... IF there is indeed wording which refers to anywhere you are residing. IF this ...
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| Insurance Claim on Home | 10/8/2008 |
Q: I have a rental property in Detroit MI, which is in the process of going into foreclosure, recently ...
A: I cannot answer whether or not you should file a claim. If you have a policy which covers the ...
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| Claim on Boat Insurance and Homeowners Insurance | 10/8/2008 |
Q: We were in the path of Hurricane Ike and I had a tree fall and hit my bass boat and house. I've ...
A: This was very helpful. In my opinion, you have coverage in several ways. 1. The State Farm Policy ...
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| Auto PARTS Insurance | 10/6/2008 |
Q: I have a couple of classic cars and keep "spare" parts on hand in my garage - neither my auto nor ...
A: I guess I am unclear as to why they are not covered under your home owners policy. I claim parts ...
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| Homeowners Policy and Personal Property | 10/1/2008 |
Q: I have had a theft from my car occur right when it was in front of my home. The policy first reads ...
A: Your personal property was stolen. Any basic theft policy would cover personal property stolen from ...
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| Contractors estimate vs. Insurance adjustment | 9/30/2008 |
Q: My company has submitted a cost of repair for damage after hurricane Gustov. The customer has ...
A: My advice is to: Obtain the name of the Supervisor, help your customer address a letter to this ...
|
| fire insurance | 9/29/2008 |
Q: i had a fire in the home i have been living in for the past 18 years. aig denied this claim. i will ...
A: This would still be an RCV policy. I would need more information on your contract before guiding ...
|
| flooding from neighbors actioins | 9/25/2008 |
Q: my neighbor owns two ponds above my property that feed into my property by a spillway and an ...
A: You would first contact your insurance company and file a claim. If you are not covered, or covered ...
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| Water Damage | 9/22/2008 |
Q: I have received the final numbers from Allstate for flooring replacement in my home after a ...
A: Yes you can. However, you will have to speak with your contractor. Even though you can, the ...
|
| wind damage from tree | 9/20/2008 |
Q: I think I may have a total loss from a tree falling on my rental property in Texas during hurricane ...
A: I am not as well versed with dwelling as I am with personal property, however I will share with you ...
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| Homeowner's insurance claim | 9/13/2008 |
Q: Terry: I have recently advised my insurance company of a water damage claim, caused by a leaky ...
A: I will do the best I can to answer your question, however I am letting you know up front that fire ...
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| fire/smoke damage | 9/4/2008 |
Q: Could have been worse, but when we suffered smoke damage, the inspector said all of it needed to be ...
A: Yvette, I will try to answer your question, however please note this is a question better suited to ...
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| Home fire | 9/4/2008 |
Q: The insurance estimate to repair fire damage to our home is remarkably just a tad under the current ...
A: I am not as well versed on dwelling as I am on content. You should obtain an independent estimate ...
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| filing out loss home contents form water damage | 8/23/2008 |
Q: Basement water damage from flood claim sewer damage. The insurance company farmers insurance ...
A: If I were you, I would first attempt to find a reputable public adjuster in your area to represent ...
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| Homeowners Claim | 8/10/2008 |
Q: I recently had a my car broke into (along with 7 other neighbors) while my car was parked in front ...
A: Of course you don't have receipts for those things. I would send my insurance company a letter ...
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| property claim | 8/5/2008 |
Q: A property claim was submitted to a insurance company, the insurance adjuster stated the work must ...
A: Hmmm...no, from what little information I have, this does not sound right....at all. I have never ...
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| TV replacements | 7/25/2008 |
Q: In a nutshell, I am in dispute with my insurer re the replacement of my 36 inch tube tv (aspect ...
A: Again, this is a very gray area. I think you should be entitled to a similar screen size. Your ...
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| house fire | 7/24/2008 |
Q: A rental property of mine burned down. The insurance company will pay the mortgage company the ...
A: Well..forced place insurcance does mean they will only pay the mortgage amount. You do still own ...
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| house fire | 7/23/2008 |
Q: A rental property of mine burned down. The insurance company will pay the mortgage company the ...
A: The answer to your question is yes, you own the property. You will be responsible to remove all ...
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| tree liability | 7/19/2008 |
Q: mobile home park residents NEIGHBOR'S tree broke and fell on my home. My home owners insurance will ...
A: That is a little complex. My best educated guess without all the facts is: If the mobile home ...
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| House Fire | 7/16/2008 |
Q: We had a house fire in Oct. 2005, one of our daughters bedroom was completely totaled she lost all ...
A: Corinne, There are many issues here. I also have many question in order to try to guide you in the ...
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| Insurance claim Settlement | 7/13/2008 |
Q: Deanna, I recently had a large house fire. I agreed to an insurance settlement of 235,000. Which ...
A: My experience has been that the mortgage company will usually issue installment checks to the ...
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| Fire claim | 7/9/2008 |
Q: My mom's house was struck by lightning & seems to be about halfway lost some of the items were not ...
A: I would suggest that you contact a couple or restoration people and obtain an opinion and estimate ...
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| House Fire | 7/4/2008 |
Q: Deanna, Hi, Thanks in advance for your time and efforts involved in responding to this posting; ...
A: If you e-mail me through this site and mark "yes" for private, I will then e-mail my contact ...
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| outbuilding fire loss | 6/21/2008 |
Q: I'm in Kentucky and recently lost a barn that we used lately as a large storage building.Anyway we ...
A: In respect to the Christmas decorations, you will want to attemt to google them. If you are unable ...
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| Replacement of TV Damaged in Move | 6/18/2008 |
Q: Allied Van Lines moved our furniture from Birmingham, AL to Willowbrook, IL on May 26, 2008. We ...
A: This is a problem sweeping the industry. In my opinion, you do not have to "settle" or "work with ...
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| replacement value insurance claim | 6/8/2008 |
Q: A lightning strike recently fried many of my electronics, ranging from old stereo equipment to a ...
A: Okay...let's address the air conditioner first. I would tell the adjuster that fixing isn't even an ...
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| replacement value insurance claim | 6/7/2008 |
Q: A lightning strike recently fried many of my electronics, ranging from old stereo equipment to a ...
A: You are working with challenges that are facing the industry daily due to fast advancing technology. ...
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| water damage, mold claim | 5/16/2008 |
Q: Terry, Recently called my ins. co. re a plumbing/water damage issue. An adjuster arrived within ...
A: Mr. Gillespie, There are a lot of questions here. There are no simple answers. It is very ...
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| HomeOwners Insurance | 5/15/2008 |
Q: I know that homeowners insurance policy's voer the insured and his/her family for bodily injury or ...
A: I will do the best I can to answer this. First: My opinion is that vandalism caused on property by ...
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| Insurance Claim | 4/17/2008 |
Q: I own several homes and would like to submit multiple insurance claims on different properties due ...
A: This question would be better suited to an insurance underwriter. I am experienced with answering ...
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| Dealing with insurance after the fire | 3/18/2008 |
Q: We lost our house completely in the recent California wild fires on Oct 22nd 2007. Our insurance ...
A: 1. I know through the experience of my own fire that 5 months feels like a very long time, but it ...
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| FIRE CLAIM | 2/28/2008 |
Q: MY HOUSE AND GARAGE WERE A TOTAL LOSE DUE TO FIRE.WHERE CAN I FIND HELP WITH CONTENTS LIST? PRICES ...
A: You can hire professional help for creating and pricing the list. If you e-mail me the state you ...
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| House Fire | 2/24/2008 |
Q: We had a house fire on 2-1-08. Started in garage and spread through all of the attic in a 2800 sq ...
A: I cannot answer if 5 weeks is too long, what I can tell you is that "waiting for a claim review ...
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| Home Fire Claim Question | 2/11/2008 |
Q: I have a friend whose house burned down recently. The home and insurance policy were both in her ...
A: In order to best answer your question, I need to address it 2 ways. First issue I will address is ...
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| total loss fire - personal property claim | 1/25/2008 |
Q: In early Dec. 07 we had a fire that took the entire house. We are in the process of writing down ...
A: This is a little more complicated than burden of proof. You do have the burden of proof, so to ...
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| Homeowner's Coverage? | 1/10/2008 |
Q: I live in Georgia and we recently had several days of below freezing weather..during that time, the ...
A: I have found a way to get a proper answer to your question. I am not certain of the answer as I ...
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| Water damage x 2 | 1/4/2008 |
Q: We remodeled our kitchen last June 2007. During the process the contractor moved the washer hot/cold ...
A: I am so glad for you! I wish people didn't learn the hard way about insurance adjusters. So many ...
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| Water damage x 2 | 1/3/2008 |
Q: We remodeled our kitchen last June 2007. During the process the contractor moved the washer hot/cold ...
A: Wow! Welcome to my daily existence! I have to say the idea that the insurance company thought they ...
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| how to handle a 2nd fire | 12/31/2007 |
Q: I had a total fire loss (claims exceeding $400000) in 2003. Since then, I have changed insurers. ...
A: This is entirely a personal decision for you to make. You have asked a question that you would ...
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| CLAIMS ADJUSTERS LICENSE | 12/24/2007 |
Q: I am a state certified general contractor in Florida... I do alot of inspections commercial and ...
A: I am so sorry William, For some reason I didn't see this one in my e-mail. I greatly apologize for ...
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| Homeowners Insurance | 12/4/2007 |
Q: I have a home that has some damage to it. I am selling the home and I can not wait any longer for ...
A: A homeowners policy is not assignable. You are entitled to collect the actual cash value of the ...
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| total loss due to fire | 12/3/2007 |
Q: I have 160,000 dwelling and 95,000 personal property. My mortgage pay off is 42,000. Why is the ...
A: The insurance company will only pay you for the cost of damage. I hope you have not yet begun any ...
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| Insurance Info Needed | 11/26/2007 |
Q: when a married homeowner is contemplating divorce, what is the benefit of him removing his name ...
A: Okay...lots of questions. Let me attempt some answers for you in the order asked. 1. This question ...
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| loss during a house sitting | 11/18/2007 |
Q: My daughter had a brand new lap top stolen during a break-in at a friend's house while she was ...
A: What I can tell you is that most insurance policies cover guest property that is in the home at the ...
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| Insurance Adjuster/ Independent Agency | 11/16/2007 |
Q: After putting my aspirations to become a private investigator on hold for awhile, I am considering ...
A: The licensing is basically the same. You can go to your department of insurance to find licensing ...
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| Insurance Adjuster/ Independent Agency | 11/15/2007 |
Q: After putting my aspirations to become a private investigator on hold for awhile, I am considering ...
A: Now that is a question in my area of expertise. I warn you, now I will run on a tangent! Please ...
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| Insurance Adjuster/ Independent Agency | 11/15/2007 |
Q: After putting my aspirations to become a private investigator on hold for awhile, I am considering ...
A: I don't know what the particular requirements are where you live. If you live in the United States, ...
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