Comments on: Breaking Down Homeowner’s Insurance Coverage

By: Da Breadman Macauley

Da Breadman Macauley — Tue, 07 Feb 2012 22:56:00 +0000

just got dumped by Allsate after over 20 years … they said it was random … now I must start from scratch … I found your web site informative …. They recommended Citizens and discovered that company stinks …. any suggestions ??

By: Dortcarlson

Dortcarlson — Fri, 13 Jan 2012 21:50:00 +0000

If your luggage is lost by an airline, how to you claim against homeowners policy?

By: Harrywalker07

Harrywalker07 — Mon, 26 Dec 2011 14:27:00 +0000

Erik, that was indeed a thorough insight on Homeowners which i never knew.
Mentioning about coverage C, I would like to have my laptop insured under any endorsement along with a homeowners or renters insurance. Where do I get to know the losses covered for computer endorsements? It has become hectic to talk to each and every insurance agent around. Any weblinks or insights on this?

By: Virkus6

Virkus6 — Sun, 04 Dec 2011 23:18:00 +0000

I am going to mediation with our insurance company. They have paid on all categories so far, just not all of it. They have denied the rest of the claim saying there was no damage to personal property even though they have paid me some for personal property already. They have paid some of our additional living expenses too.
How can I win at mediation? I have hundreds of pictures showing damage and written bills that say items could not be cleaned from mold and mildew.

By: LoriKiley

LoriKiley — Thu, 17 Nov 2011 23:21:00 +0000

Erik, last year we were in process of a basement/family room remodel and had ordered some awesome metal racing cabinets for the bar area. We had carried them to the lower level and unpacked them and showed to contractor who wouldn’t be able to install them in bar area for few weeks. Then our town received 8 in rain and lost power for 10+ hours causing all basements with sump pumps (ours) to flood and remain flooded until power came back on. The cabinets were ruined. We had flood insurance and claimed these cabinets under personal property because they weren’t part of the structure and was glad they weren’t because we already met our building/structure damage amount. Insurance denied saying they were part of structure. We even had contractor state they weren’t installed at time of loss…..what do I do to get these cabinets paid for?? At this rate…it would be better if they were installed because I would still have the upper cabinets undamaged!!!

By: HOGBONE2

HOGBONE2 — Fri, 01 Jul 2011 19:47:00 +0000

YES I HAVE HOME ONWERS INS, I HAVE A,B,C,D I HAD DAMAGES TO MY HOME AND OUT BUILDINS AND MY FENCE WAS MESS UP ALSO ALL THIS WAS DUE TO THE APRIL 27TH 2011 STORM MY INSURANCE SAIDS THERE ONLY PAYING FOR PART OF WHAT IS DAMAGED. AND WHAT IS DAMAGED IS THE SIDEING ON THE HOUSE WICH IS NO LONGER AVEILABLE THE COMPANY NO LONGER CARRY’S IT SO THEY SAY THERE GOING TO MATCH THE BEST THAT THEY CAN AND ALSO ON MY FENCE INSTEAD OF REPLACEING IT THERE GOING TO MATCH IT ALSO THE BEST THEY CAN I DONT’ WANT MIX MATCH SIDEING OR FENCE I ‘V HAVE THIS INS, COMPANY FOR OVER TEN YEARS HOW WOULD THEY LIKE TO HAVE MIX MATCHED STUFF I THOUGHT IF IT GOT LOST OR DESTROYED YOUR INS, IS SUPPOSED TO REPLACE IT.

By: Florie

Florie — Mon, 31 Jan 2011 01:13:34 +0000

Hin Erik,
My insurance agent said I should have Water back up and sump overflow coverage. $5000.00 with $1000.00 dedeductable. I do not have a sump pump. I do have a septic tank. Is this coverage necessary. Also, if my garage has a separate foundation but is attached to the house with a roof, is it considered other structure or part of the dwelling?
Thank you,
Florie

By: Jack T

Jack T — Fri, 10 Dec 2010 16:54:33 +0000

Eric, I found this website to very informative. I think I am in serious trouble; a week ago I found out my house had a water issue not known to myself. It appears it had been going on for some time. I think probably since the addition was done eight years ago possibly. When I found it there was mold everywhere and some structure damage to the flooring system. I was ignorant regarding homeowner’s insurance and you can imagine what I was told when I called my insurance company. Here is my deli-ma, I am having to go on disability in 2011 due to a chronic illness, my emergency reserve has been depleted due to litigation to get custody of my grand daughter. I have no money for clean up or repair and I am worried while I can accept losing my home where I grew up, I may be liable for the mess after I lose my home (????). I am a Christian and I desire and want to do what is right. Have you had contact with anyone that has found themselves in a similar situation? Is there any way to mitigate any of the issues I now face? Respectfully, Jack

By: TJ

TJ — Mon, 27 Sep 2010 15:28:33 +0000

Hello, thanks for the valuable information. I am in the process of purchasing my 1st home and need clarity on coverage– “A- dwelling is listed at about 80% of the sale price of the house with additional replacement cost at 175 % . Is it normal for insurers to quote A coverage as less than value of home? I also am seeking to increase my auto insurance from liablity to full coverage because I was told that a person could come after my assets if there isn’t sufficient coverage in my pokicy…Thanks in advance!

By: LifeSpy Links Round-Up for the Day

LifeSpy Links Round-Up for the Day — Tue, 24 Apr 2007 07:47:13 +0000

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