• http://www.rpryan.com R.P. Ryan Insurance

    Great article! Many people are not properly educated on what homeowner’s insurance is and what it covers and doesn’t cover. Because everyone’s needs are not the same, it is best to consult with an agent to help assess your needs and find the insurance policy that is right for you.

  • Jlatimer

    I have a problem. We live in a 16 year old home and are original owners. Last fall we discovered a problem with 2 windows. They are casement windows and the screws that hold the hardware on, hence open and close the windows, pulled out. We talked about replace a window or two and contracted a carpenter. He found problems with additional windows. In the end, we had to replace ALL windows in the home. Insurance adjusted says he can not help us. Any thing we can do to help recoup the cost?

    • Kira Botkin

      You don’t mention that the window problem occurred because of an accident or an act of nature, so I’m assuming that the window issues are from regular wear and tear. That’s unfortunately not covered on homeowners’ insurance. If there was a defect in building the home, you could try to sue the home builders in small claims court, but you aren’t going to be able to get anything out of your homeowners’ insurance.

  • DeannaB

    My house was hit by a tornado and the insurance is only agreeing to pay for 9 windows out of 17. But they are all ruined, what is my recourse?

    • Kira Botkin

      Check the fine print of your homeowners insurance terms, in many cases you are only able to go to arbitration with them.

  • kathy

    I filed a claim last Sept my insurance company is stuck on ‘mold’ and not the root cause water damage how can I get them to pay more then $6000.00? I will have to take them to arbitration soon. Help

    • Kira Botkin

      If they are unwilling to reassess, arbitration may be the only next step you can take. By agreeing to be covered by them, you often sign away your right to sue them.

      • claymonter

        thank u looks like I am heading to arbitration they say my contractor is too high they are trying to find another contractor!!

  • brenner360

    I have currently lived in our house for 10 years have no sump pump and have never had a water issue. However, just recently our area was hit with a massive amount of rain in a short period of time. During the rain water came up through the floor drain and shower in the basement and flooded it. Our ins company says that we are “Not Covered”. Is this true? or are they just not wanting to help us.

  • Jonny Gauge

    Okay so I was at my neighbors house grinding a part for him, he came up behind me as I was using the tool and scared me, i jumped, my finger went into the grinder severing tendons and basically took a big ole’ chunk from my finger, now he’s saying his homeowners insurance company will only cover $1,000 for bodily injury and he cant do anything… here’s the kicker the hospital bills are coming and their over $1,000 so i’m pretty sure he’s a liar and trying to avoid me contacting his ins co. I asked what company he had and he’s yet to say.. what can I do?

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