Can homeowners insurance refuse to pay out on claim because my name is not issued in my name?
Homeowner insurance is a legal contract between the insurance company and the owner of the home. If your mother set up a quit claim deed......
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We filed a claim because we lost a neutral into our home that caused several major appliances damage now our claim has been denied ?
Unfortunately, whether you knew a squirrel was chewing on your wiring or not, rodent damage is specifically excluded from the homeowner policy. Homeowner insurance is......
How do I find insurance when I have an open claim still pending for about a year?
Homeowner insurance policies are very restrictive when a dog bite is involved. Insurance companies say they pay more in claims for dog bites than any......
Without a lease agreement is landlord responsible for my property damage due to sewage back up and flood?
If your property was damaged by a sewer backup that is the responsibility of the landlord, then you should be paid for the damages and......
Am I required to provide receipts, bills and cancelled checks to my insurance company for fire restoration work that was completed by a contractor?
The homeowner insurance company does have the right to see proof that repairs were made on a home that was damaged by a covered peril.......
Can an additional insured make changes to a policy or cancel it?
A homeowner policy will add an additional insured for liability purposes, usually at no cost. However, the additional insured does not have the right to......
What is the statute of limitations for a flood claim. How long do you have to reopen a flood claim after it’s closed?
If this is truly a flood claim, then the claim was handled through a FEMA claims adjuster. You will need to contact National Flood Ins......
cancel my umbrella policy due to my adult son’s driving record.
If your son is an adult and has his own insurance for his car, you should be able to exclude him from your auto insurance......
Should insurance pay for my skylight?
It seems unusual that the insurance company is denying coverage for the skylight since they are paying to replace the roof, vents, drip edges, etc.......
PostNationwide Is Doing Home Inspections for Pre-Existing Policies in 2026 (Here’s Why)
Nationwide is doing home inspections for pre-existing policies to enhance risk management and ensure that your coverage accurately reflects your home’s current condition. These inspections......
My house is assessed at $115000. How much should it be insured for?
Throw your assessment number out the window. It has absolutely nothing to do with the insurance coverage for the home. The insurance coverage is based on the replacement......
My name is on the deed but not on the homeowners insurance policy. Do I have a right to the check issued?
If the homeowner policy is in the name of your spouse, then the insurance check will be written to the named insured. Even though you......
I had a tree removed without a written contract and when I got the bill the Insurance company will not pay full amount.
In the homeowner insurance policy tree removal or coverage is limited. Most insurance companies have a dollar limit that they will pay for tree removal.......
House in Trust can i get homeowners insurance in my name?
If you are owner of the property as part of the trust, and are on the deed and/or loan for the home, you can purchase......
Can my homeowners insurance company demand money back from a claim they over paid
If you had a claim on your homeowner policy and the insurance company made a payment it should have been based on estimates they received......
Insurance co. wants my authorization to obtain information about financials, tax, credit, heath, etc. Should I provide?
Insurance companies will sometimes request proof of one’s financial condition when adjusting a theft claim. While they are allowed to request information, you should make......
Who in Florida can bind coverage before a roof leak is repaired via an approved 203k rehab loan? Citizens won’t. Help!!
There are several companies in different states that will take on risks that are consider substandard. I contacted your Department of Insurance for the state of......
Why should you purchase a dwelling policy instead of homeowners policy?
The terminology of dwelling versus homeowner insurance can be techincal or something else. They both cover a home.A homeowner insurance policy covers people who own......
Is it legal for an apartment comlex to require Renters insurance?
Apartment complexes are beginning to require proof of insurance from their tenants to be sure the complex or its insurance company won’t have to pay......
Renting out your garage
If you own the home, and rent out the garage, you need to make sure your insurance company will cover the garage when it is......
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