About Experts Sitemap - Group 43 - Page 44 2014-04-15

Property & Casualty Insurance: wheel falling off 17 ft boat trailer hitting a vegicle, car insuance, lug bolts
car insuance, lug bolts, damages claim: Sue, Since the damages to the other vehicle occurred, as a result of the trailer being affixed to your vehicle, it would be no difference than if the trailer had come loose and flipped onto an oncoming vehicle. The claim should be put through your auto...

Property & Casualty Insurance: Car Insurance, unisured motorist, under insured motorist
unisured motorist, under insured motorist: Hi John, Thank you for your question. Uninsured Motorist Coverage was designed to protect you. We, as drivers, are required to carry liability coverage to cover the drivers around us should we hit them. For this reason many people want to know why they...

Property & Casualty Insurance: Condo water damage from unit above, small claims court, condominium documents
small claims court, condominium documents, story condo: Hi Joe, Sorry for the slow response. I was out of town for the weekend. Typically, in order for someone else s policy to pay for the damage to your unit, there must be some sort of negligence on the part of the other owner. In cases where there is...

Property & Casualty Insurance: coinsurance, insurance company claims, commercial policies
insurance company claims, commercial policies, scenerios: Roseanne, Again, Rosanne, if the generator is the ONLY item or property involved (not the previously mentioned $300,000), with the Insurance being specific to this item ONLY and not to the $300,000 you previously mentioned, then just substitute the elements...

Property & Casualty Insurance: coverage, eviction process, luck jim
eviction process, luck jim, hazard insurance: Judy, As to the first part of the question, the wording is wrong the premises is not rented to you. I don t know why it would say the premises rented to you, that s not rented to you. You own the property. For me to truly know if vandalism is covered you...

Property & Casualty Insurance: Damage to my home, inch gap, duke energy
inch gap, duke energy, safety sake: Your letters to the power company and the city makes them even more liable. There is no exclusion in your HO policy if the tree falls even though it is already leaning. Either way, you should have no problem with coverage. Just make sure you are keeping ...

Property & Casualty Insurance: Florida Condo Flood, emergency water extraction, extraction company
emergency water extraction, extraction company, common element: Hi Farah, Since the first two paragraphs in the portion of the Statute I sent you indicate that the association is responsible for everything as initially conveyed or replacement of like kind and quality and the only exceptions to that are the items in...

Property & Casualty Insurance: Damage to my home, debris removal, imminent loss
Property & Casualty Insurance: Damage to my home, debris removal, imminent loss, insurance carrier

Property & Casualty Insurance: Water Damage from heavy rain, water irrigation, irrigation water
Property & Casualty Insurance: Water Damage from heavy rain, water irrigation, irrigation water, seeps

Property & Casualty Insurance: fire loss, luck jim, fire loss
luck jim, fire loss, jim c: Kathy, That is an underwriting issue, for the insurance company underwriters to investigate. If not investigated and corrected on your policy it is the insurance company s problem not your problem. The issue of your coverage is not in any way affected...

Property & Casualty Insurance: flooring coverage after fire, flooring expert, carpet replacement
flooring expert, carpet replacement, resale purposes: Ann, I am of the opinion you are entitled to restore the home to pre-existing condition. If pre-existing condition is not available, then it should be restored to better condition, not good enough condition. In my opinion, if the hardwood floors...

Property & Casualty Insurance: Home Liability Coverage for Minor's illegal act, intentional acts, home liability
intentional acts, home liability, auto liability: Hi Daren, Based on my analysis of the HO-3 form of October, 2000, this would not be covered. Exclusion E on page 17 of 22 excludes coverage for [ Bodily Injury or Property Damage which is expected or intended by an Insured ] Insured is defined...

Property & Casualty Insurance: Independent Agent, independent insurance agent, insurance education
independent insurance agent, insurance education, best bet: Hi Peter, Your best bet is to contact your local Independent Insurance Agent Association in your state, just type that in Google, add NY to it, and you will find their website. From there you can inquire and ask the questions that apply to your situation,...

Property & Casualty Insurance: Insurance, conservative average, insurance question
conservative average, insurance question, time capacity: Jim, I did answer the original inquiry, so that answer remains the same. However, now that you pose the question of working for her I would say that could be even more costly, UNLESS you have a written contract. What if she used your talent for 3-5-10...

Property & Casualty Insurance: Insurance Rates Wrong?, home owners insurance, libery
home owners insurance, libery, cost basis: Hi SR, It is always wise to review your insurance every 2-3 years in the market place, it forces you to look at it, but also you see just how competitive your current carriers are. Your home is most likely written on a replacement cost basis, not on market...

Property & Casualty Insurance: Insurance Rates, home owners insurance, household inventory
home owners insurance, household inventory, sell insurance: Thanks for your question. Unfortunately, since I don t sell insurance and I m not located in VA, I can t really speak to the pricing of your policies. A couple comments about your Homeowner policy first. You have a tremendously high value on your personal...

Property & Casualty Insurance: Insurance rates driving me crazy!, sticks and bricks, home owners insurance
sticks and bricks, home owners insurance, roofing materials: Homeowners Insurance Home values mean nothing to an insurance company. They are never interested in buying your home. They have a vested interest in what it would cost to rebuild it with sticks and bricks. Yes home purchase prices have gone down, but the...

Property & Casualty Insurance: Marble Floor, floor question, marble floor
floor question, marble floor, marble floors: Michael, Okay! So, you are asking the Insurer to pay the ACV for the $50,000 replacement cost of your floor. The policy is designed to pay for sudden and accidental loss, but not if it was due to negligence on the Homeowner. If it was a sudden leak...

Property & Casualty Insurance: who owns my stolen ring?, pawn shop, insurance company
pawn shop, insurance company, engagement ring: Hi Holly, Unless your jewelry was individually scheduled on your policy with a specified value for each item, your loss was subject to the internal limit for theft of jewelry. If that ring was not listed on the Proof of Loss statement, then it was not...

Property & Casualty Insurance: pool cover collapse, pool tiles, dwelling coverage
pool tiles, dwelling coverage, winter pool: Teresa, You have a coverage B called Appurtenant Structures on your policy the limit should be 10% of the limit of coverage A Dwelling. Coverage C which is titled Personal Property is coverage for all your belongings (clothes, furniture, etc.)the pool cover...

Property & Casualty Insurance: question, commercial inland marine, equipment floater
commercial inland marine, equipment floater, liabilty insurance: Erika, hello! No ma am. It will cover the Liability from a Bodily Injury or Property Damaged caused by the equipment. You would need to have a Commercial Inland Marine Equipment Floater to cover the physical damage of the rented equipment. Have...

Property & Casualty Insurance: shingles, insurance guidelines, property casualty
insurance guidelines, property casualty, liab: Jim, The rules, protocol, best practices, insurance guidelines, etc. will vary from state to state, since most, if not all policies have language, to the effect, of one degree or another, that the Company will repair or replace...However, if I understand...

Property & Casualty Insurance: stolen property, damaged and then recovered by police, no insurance compensation for damage, malicious destruction of property, duluth mn
malicious destruction of property, duluth mn, insurance compensation: Hello Eric, I can only answer based on the information you have provided for me, I do not know the specific language or your policy. In a situation such as this, you can try to file a claim under vandalism/malicious destruction of property since you...

Property & Casualty Insurance: sub contractor insurance, devil s advocate, contractor insurance
devil s advocate, contractor insurance, own insurance: John; I know you re not going to like this but just hear me out for the first few lines here. I have to play Devil s advocate. If you had insurance, your buddy wouldn t have withheld $1200 that he owed you because your insurance company would have paid...

Property & Casualty Insurance: subcontractor, snow plow, auto
snow plow, auto, general liability: John the issue here is auto coverage and is not dependent on you adding snow removal to your general liability policy. The bigger issue here is that he took the money out of your payment. Did you have a contract? What does it say? You can seek reimbursement...

Property & Casualty Insurance: subcontrator, commercial auto policy, legal nature
commercial auto policy, legal nature, hey john: Hey John, If he has collision coverage on his vehicle, his insurance would pay for the damage. He probably has a deductible, but you may want to pay that if you feel responsible. One other thing to keep in mind: If his company pays the damage and...

Property & Casualty Insurance: Tree falling from neighbor's yard, s yard, hi tim
s yard, hi tim, visible signs: Hi Tim, Sorry to hear about your car.. If the tree was clearly rotted/dead, your neighbor is responsible for not having the tree removed/taken care of. If the tree did not show any visible signs of deteriorating health, then your neighbor is not responsible,...

Property & Casualty Insurance: Trying to minimize my Businessowners annual premium, weeks answer, person office
weeks answer, person office, lending money: Don; An umbrella is not an option for you. In general, Umbrella Policies require certain underlying limits to be in place before they provide any coverage. For example, an Umbrella would require you to have a $1M Liability Limit and that limit has to be...

Property & Casualty Insurance: Umbrella policy for co-owners of Rental & second Home in NC, deb deb, umbrella policy
deb deb, umbrella policy, vacation rental property: Deb, hello! Sorry for the delay in replying. I had a virus removed from one of my computers that had the files on it!! You need to get written confirmation that the CGL will cover you. If they do not want to add you as an Additional Insured, then you...

Property & Casualty Insurance: Water Damage Claim, loss insurance, insurance adjuster
loss insurance, insurance adjuster, insurance adjusters: Kare, First, I am so sorry to hear of your loss. I know it has been a trying experience for the family. The answer to your question can only come from the adjuster. Ask. Having said, that, it may be that the adjuster is wanting to know whether or...

Property & Casualty Insurance: Water Damage from heavy rain, rain gutter, damage occured
rain gutter, damage occured, concrete slab: Daniela, The insurance company will cover all the resulting damage from the leak, but won t pay to fix the problem of the engineering deficiency that caused the damage. Your insurance company retains the right to subrogate so they will go after your neighbors...

Property & Casualty Insurance: Water from new home built, leaking basement, compliance department
leaking basement, compliance department, basement construction: Antwuan, I will assume that the basement already existed with the old home and the contractor simply built a new structure over the existing basement. That being the case, I would contact the contractor and ask for the name of his insurance company and...

Property & Casualty Insurance: Agreed amount, fur coats, luck jim
fur coats, luck jim, jim c: Ck, I m not familiar with agreed amount on a building loss. On a rider for say jewelry or fur coats, your insuring for an amount and your paying a policy for basically an agreed amount. On a building loss the insurance company has so many ways to lower...

Property & Casualty Insurance: Agreed value, extra 200, insurance
extra 200, insurance, partial loss: Kui, Basically, if you insure a building for say an Agreed Amount of $500,000, if something happens to it, that s the limit of your insurance, even if the cost to repair or rebuild winds up being $700,000. If it does, you ll have to find some other way...

Property & Casualty Insurance: Allstate's failure to pay, policy language, homeowners insurance
policy language, homeowners insurance, allstate: Hello Marie, I am very sorry for your loss. Welcome to AllState...your in good hands. Motto isn t working is it? I am not surprised. AllState is by far the worst insurance company I have to deal with in respect to claims. Insurance companies will...

Property & Casualty Insurance: How to become appointed P&C, health insurance agent, casualty insurance agent
health insurance agent, casualty insurance agent, luck jim: Jill, The test I took to get my license was not all that difficult, you learn more in a week of practicing as an adjuster that you would get out of a test. I am licensed though as an adjuster which is different that what you are striving for which is a...

Property & Casualty Insurance: another Condo water damage claim question, gross negligence, bad decisions
gross negligence, bad decisions, property coverage: Hi Mary, It s a real pleasure to be able to give consumers the help they need and deserve. You are correct...it s not likely that the Association could be held negligent. I really can t think of any way someone could maintain pipes that are inside a...

Property & Casualty Insurance: (CPM)insurance on replacement value, loss adjuster, plant and machinery
loss adjuster, plant and machinery, declarations page: Syed You will never get more than the amount insured for. If you have a coinsurance percentage on your declarations page, you may also get penalized for not insuring it to value. You will penalized by the following formula. The Replacement times the coinsurance...

Property & Casualty Insurance: CRM Designation, experience modifications, hi matthew
experience modifications, hi matthew, control departments: Hi Matthew, The CRM program is an excellent one in my personal opinion. I learned a lot in all the classes and it has been extremely useful throughout my career. The classroom environment is very beneficial and the instructors are experts I m their fields....

Property & Casualty Insurance: code insurance, hurricane proof, hurricane wilma
hurricane proof, hurricane wilma, arrise: Hi Brian, Given the fact that your time is growing very short, you need to take immediate action. Most homeowner policies contain a minimum amount of Ordinance or Law coverage that is 10% of the dwelling amount. This coverage pays for additional costs...

Property & Casualty Insurance: condominium insurance, condominium insurance, leaking roof
condominium insurance, leaking roof, own insurance: Pryan; Forget for a moment that the HOA s master policy doesn t cover the roof because that really doesn t matter. What does matter is that the roof is the responsibility of the Association, regardless of whether or not it s covered by insurance. If the...

Property & Casualty Insurance: Damage to electric company lines (caused possibly by squirrels) caused damage to home appliance, squirrel damage, energy provider
squirrel damage, energy provider, neutral wire: Leigh, Since you have not identified your Policy (HO-1-Limited Named Perils, HO-2-Expanded Named Perils, for Dwelling and Contents or an HO-3- All Risks, for the Dwelling, but the same Perils, for Contents), so we are going to respond, to your questing,...

Property & Casualty Insurance: Damage to vehicle on company/work property, rebar, front bumper
rebar, front bumper, parking lots: Hi Diana, I have had this exact claim in my office. My insured was the owner of the parking lot. The claim was not covered. But that should not stop you from asking if you could put the claim in to your employer s (I assume your employer owns the parking...

Property & Casualty Insurance: Depreciation, luck jim, jim c
luck jim, jim c, acv: Gordon, What the insurance company is determining is the Actual Cash Value (ACV) of your property. Replacement Cost less depreciation equals ACV. The depreciation on the contractors quote is going to be less than the depreciation on your personal items. Technically...

Property & Casualty Insurance: damage to unit caused by roof leaking, condo, water loss
condo, water loss, roof damage: Greetings Ken and thank you for your question. I have two initial questions after reading yours. First, do you have a Condo Owners policy? Second, what caused the leak in the roof? Was it a storm, wind, hail, or was it simply a flaw in the construction?...

Property & Casualty Insurance: Fire Loss, fire repair, proper fire
fire repair, proper fire, fire loss: Angela, If you have an Actual Cash Value (ACV) policy or you plan on not at all taking advantage of replacement cost of a replacement cost value policy. The adjuster is using a technique called the broad evidence rule to determine the ACV. This is a proper...

Property & Casualty Insurance: Garage Policies, new car dealership, garage operation
new car dealership, garage operation, garage operations: Hi Kathy, The answer to your question is really dependent upon who is injured. If this is an employee that is injured, it could be that Workers Comp would respond. If not, your insured s Garage Policy will not respond because these are his employees,...

Property & Casualty Insurance: Homeowners insurance, catastrophe adjusters, legitimate claim
catastrophe adjusters, legitimate claim, homeowners insurance: Marie, You are absolutely right, I too would be furious. These adjusters called Cat (catastrophe adjusters) adjusters are employee s of Allstate that go to area s like Philadelphia after 30 of snow and take on a stack of files (300 at time) and they come...

Property & Casualty Insurance: My house has burnt down, little dogs, insurance company
little dogs, insurance company, stack: Hello Nancy, I will be glad to help you understand the process. However, I can t put everything you need in a single email answer. Please email me again through this site, mark it private and I will send you my personal information. Thank you, Deann...

Property & Casualty Insurance: Insurance co. has right to deny claim on Condo units if owners do not pull building permits with local Code Enforcement, lawn sprinkler system, plumber apprentice
lawn sprinkler system, plumber apprentice, builders risk insurance: Hi Charles, That is quote a story. I am not sure I understand your question: Do you think I am covered do to lady adjoining me never pulling building permits or is any one covered in here because there has been no permits pulled, and who do I call or write...

Property & Casualty Insurance: what other License is needed to open up an I nsurances firm in New York, city business license, health insurance brokers
city business license, health insurance brokers, new york insurance department: Akuffo, hello! Your first step is to contact the New York Insurance Department. The Superintendent will tell you their state requirements. Then, you will need to get a City Business License. The companies you represent will give you Home Office training...

Property & Casualty Insurance: P&C career, brian klemmer, napoleon hill
brian klemmer, napoleon hill, property casualty: Good Morning Frank, I suggest you read Think and Grow Rich By Napoleon Hill %26 If How To s Were Enough We Would Be Skinny, Rich, and Happy , by Brian Klemmer. If you have read either, than read them again. Socrates had a student who one day ask him...

Property & Casualty Insurance: personnal property, garage door opener, lease issue
garage door opener, lease issue, content portion: Hello Jeff, If they were attached at the time of the loss the items are considered dwelling. If they were not installed then they would fall under the content portion of the policy. The only exception would be if the dishwasher was portable, if built...

Property & Casualty Insurance: plumbing, condominium property, plumbing question
condominium property, plumbing question, condo documents: Frank, The Statute will negate anything in your condo documents when it comes to an insurance-related loss. When a pipe bursts or has a sudden and accidental leak, that is an insurance issue. As such, regardless of what your condo docs say, the association,...

Property & Casualty Insurance: pool cover collapse, pools and patios, snow storms
pools and patios, snow storms, pool cover: Jim, It sounds like you would have no coverage for your contents items. There has to be a covered occurrence (event) that causes damage.If it is not excluded under covered occurrences than you would have coverage. You will see on your policy lists of covered...

Property & Casualty Insurance: pool damage, coverage c, property casualty
coverage c, property casualty, ground pool: Elizabeth, I m presuming this is an above ground pool, as you referenced the walls of the pool had collapsed, into the pool, as a result of the weight of ice %26 snow, which is a very common occurrence in the North East, where I m originally from. Most...

Property & Casualty Insurance: Who is Responsible for Water Leak Damage to Condo Below Mine, water filtration system, place responsibility
water filtration system, place responsibility, water leak: Hi Dodi, The FL Statute places the responsibility of the repairs to the drywall on the Association and the repair or replacement of paint, wallpaper, etc, on the unit owner. Unless there was a leak that you were aware of but did nothing about, you would...

Property & Casualty Insurance: Sorry, another water question, upstairs neighbor, elevator lobby
upstairs neighbor, elevator lobby, condo documents: Hi Randy, Most condo questions are water-related so they don t bother me. Whether the elevator lobby is your space or common area may be determined by the condo documents. Based on your question and your comments, I m going to assume that the elevator...

Property & Casualty Insurance: how to study, insurance school, savannah georgia
insurance school, savannah georgia, cdbaby: Marilyn, hello! Sorry you ve had trouble passing the exam. What state are you testing in? Email me at CompnyBiz@aol.com and we will talk about your strengths and weaknesses. I will not charge to help you. But, you have to spend $10 to buy my son...

Property & Casualty Insurance: Transfer PC License, california insurance department, adult baseball
california insurance department, adult baseball, baseball league: Sara, hello! You need to google the California Insurance Department in Sacramento. They will advise if the two states practice Reciprocity (or sometimes called Retaliatory). If they reciprocate, then California will treat Texas the way Texas treats California....

Property & Casualty Insurance: vending truck, auto liability insurance, mobile vending
auto liability insurance, mobile vending, inventory stock: Mary; Most importantly you re going to need Auto Liability Insurance but you ll also need a commercial package policy which will provide both General Liability for the business and Property Coverage for inventory, stock, etc... as for the cost of these...

Property & Casualty Insurance: Water damage from toilet in above unit, mold remediation, plumbing problems
mold remediation, plumbing problems, insurance policies: Tracy, Your Association is NOT correct. Here s what the Statute says: (j) Any portion of the condominium property required to be insured by the association against casualty loss pursuant to paragraph (f) which is damaged by casualty shall be reconstructed,...

Property & Casualty Insurance: Water Leak, subrogation rights, condominium property
subrogation rights, condominium property, insurance proceeds: Hi Farah, I m very surprised that the other unit owner s company is coming back against you if this is a sudden and accidental leak. Nothing precludes them from doing so, but without clear negligence I just find it surprising. Florida Statute only...

Property & Casualty Insurance: water damage in my condo caused by fire sprinkler leak, cabinets and countertops, curtains drapes
cabinets and countertops, curtains drapes, sprinkle system: Hi Anne, I m very sorry to hear about the issues you re having. I m going to start by dealing with what I believe to be the biggest issue first. Your association couldn t be more wrong. They are responsible for so much more than just the outside walls....

Property & Casualty Insurance: water main leak in a condo line, single family dwelling, small claims court
single family dwelling, small claims court, condo documents: Hi Emily, The first place to look would be in the condo documents to see who is responsible for maintaining and repairing things like this pipe. That would be the basis for the determination. If the PM and the legal advisor says you re responsible, they...

Property & Casualty Insurance: auto accident, hi mary, claim adjuster
hi mary, claim adjuster, insurance broker: Hi Mary, I am sorry to hear about your accident. They can be a real pain...hope you were not hurt. I would like to think you do not need an attorney to get this settled. You do have a few options - 1) If you have your own agent, have him/her make...

Property & Casualty Insurance: Claim Procedure for damage, third party insurance, autopolis
third party insurance, autopolis, small apartment: Hello, Is is OK for me to answer in Dutch? Since you re from Belgium I presume that s no problem. Er moet in eerste instantie steeds verwezen worden naar de polisvoorwaarden, zowel de algemene als de bijzondere. Op basis van onze eigen ervaring; met...

Property & Casualty Insurance: Commercial insurance, lumber yards, insurance question
lumber yards, insurance question, victor victor: Victor, I can t apologize enough for not answering this follow up question from you sooner. Allexperts generally sends me an email if there is a pending question waiting for me to respond. Apparently that only happens with new questions, not follow ups and...

Property & Casualty Insurance: Coverage on auto/deductible, collision coverage, good luck
collision coverage, good luck: Katie; Doesn t matter who you hit, the vehicle who was at fault pays for the damage, if there s collision coverage, of course. And if there is, there may be a deductible, there may not, you would have to check the policy itself. Good luck! Kriste...

Property & Casualty Insurance: casualty, temporary housing, water damage
temporary housing, water damage, thom: Stevel, hello! It depends on what type of Homeowners coverage you have. If you have the standard Homeowners, it pays for your Loss of Use. So, if you had to stay in a hotel or temporary housing where you can present a bill, they should reimburse you....

Property & Casualty Insurance: Fire Sprinkler system, fire sprinkler system, water leaks
fire sprinkler system, water leaks, disrepair: Jim, Unless the tenant causes the leak, the owner should be responsible for the damage to the structure. If the tenant s personal property is damaged, the tenant would be responsible for their own damage unless the system was in disrepair due to the owner...

Property & Casualty Insurance: FL's Condo Ins Mandate:"Special Assess Coverage", stocks bonds, investment assets
stocks bonds, investment assets, reason companies: Hi Luis, There should be no reason why you can t get the proper coverage. When a unit is deeded to an LLC or a corporation, companies typically write coverage on a Dwelling Property Form. With the DF forms, liability is not automatically covered so they...

Property & Casualty Insurance: floating dock, surface water waves, animal forces
Property & Casualty Insurance: floating dock, surface water waves, animal forces, tidal water

Property & Casualty Insurance: home insurance, clue report, buying a house
Property & Casualty Insurance: home insurance, clue report, buying a house, realtor

Property & Casualty Insurance: personal tools used and stored on work truck, homeowners policy, business property
Property & Casualty Insurance: personal tools used and stored on work truck, homeowners policy, business property, premises

Property & Casualty Insurance: floating dock, clarksville virginia, public adjusters
clarksville virginia, public adjusters, luck jim: Tommy, Your now it a different situation, they ve denied your claim. You have no choice but to hire an attorney. Not just any attorney, you must find out who in Virgina handles insurance property claims. If you don t get one of them you will be wasting...

Property & Casualty Insurance: floating dock, damage caused by hurricane katrina, claim money
damage caused by hurricane katrina, claim money, luck jim: Tommy, My saying your right and there wrong, unfortunately doesn t get your claim paid. If the insurance company can at all blame damage on a not covered peril they will. In Louisiana they called the damage caused by Hurricane Katrina water damage instead...

Property & Casualty Insurance: follow up from floating dock question, floating dock, jim c
floating dock, jim c, insurance company: Tommy, sorry for not responding, I ve just returned from a vacation. This is more private if your interested please reference the original issue and write me at jimcarrier@advancedadjustingmi.com, I would be more than happy to research this for you. ...

Property & Casualty Insurance: Garage Liability Problem, commercial auto policy, garage operations
commercial auto policy, garage operations, liability problem: Robbie, Again, not having the forms to read, it is a bit difficult for me to advise you properly. However... Normally, the GKLL picks up the non-owned auto exposure for those vehicles being serviced at the insured premises and/or being test driven in...

Property & Casualty Insurance: home insurance, property and casualty insurance, property and casualty
property and casualty insurance, property and casualty, hole in the roof: Hi Louie, I m sorry to hear about your roof situation. Unfortunately, this is not a loss that would be covered by your homeowners insurance policy. I m not familiar with the workings of title insurance. Title insurance is a completely different animal...

Property & Casualty Insurance: Insurance Claim, credit card statements, insurance department
credit card statements, insurance department, investigation department: Jamila, So sorry to hear about the theft, and the ensuing troubles with your claim. While this is unusual, what is making the insurance carrier nervous is the short time between taking out the insurance and filing the claim. Since you cannot afford an...

Property & Casualty Insurance: Insuring a Franchisor, gl code, franchise agreement
gl code, franchise agreement, franchise fees: Lynne; The GL code is irrelevant here. The GL code will be what it s supposed to be based on what type of business is being insured. GL codes have nothing to do with transferring/reducing/limiting etc... liability between 2 parties. The protection you re...

Property & Casualty Insurance: personal tools used and stored on work truck, luck jim, jim c
luck jim, jim c, own tools: Brandy, Your homeowners insurance would not cover them. They could only be covered on your homeowners if they were primarily used to work on your residence and then only 10% of your contents limit could be used to cover items off your resident premises. You...

Property & Casualty Insurance: property insurance, property casualty, tree limb
property casualty, tree limb, act of god: Wayne, You will or should not have a problem, with your Insurance Company, in getting repairs made, from a falling tree limb, that went through your roof. Often, it is confusing, to non-insurance persons, the difference between 1st and 3rd party claims....

Property & Casualty Insurance: Question vs. Claim, wall footing, home owners insurance
wall footing, home owners insurance, mike payne: Hi Mike, I am sorry you are having trouble. You have to remember an agent represents the company, and a broker represents you, until they have placed you with a carrier, then they represent the carrier. When you inquire about a potential claim with anyone...

Property & Casualty Insurance: Rental property loss, collector barbies, dress collector
collector barbies, dress collector, ebay: Teresa, Again I find this to be so repetitive with insurance company adjusters dealing with honest people just trying to get fair value for there belongings and getting beaten down. The company adjusters job is to not only come up with figures but also perceive...

Property & Casualty Insurance: Tree Damage to my property, state insurance department, public adjuster
state insurance department, public adjuster, settlement practices: Allen, hello! I thought I had responded to your question a few days ago so I apologize to you! The typical claim you describe means you would have to pay the $2,000 deductible. Your company should pay for all the damages the tree caused, plus $500 for...

Property & Casualty Insurance: water damage to unit below me (florida), preponderance of evidence, story condo
preponderance of evidence, story condo, dampness: Hi Jim, Your question is more of a legal issue rather than insurance so I am not really qualified to answer. I will say this, only a judge and/or jury can determine whether or not you are liable and that will be based upon the facts of the case. In order...

Property & Casualty Insurance: Concert producers insurance, independent insurance agent, concert producers
independent insurance agent, concert producers, concert producer: George, Sounds like a fun job! You definitely should have insurance and what you need is a Commercial General Liability policy. If you actually have a company, like ABC Promotions, LLC, then the policy would be in the name ABC Promotions... If you don...

Property & Casualty Insurance: Condo Association vs. Condo Insurance, roofing company, personal belongings
roofing company, personal belongings, gross negligence: Your question is more of a legal question, but if the condo board did their due diligence, the roofer should have liability for property damage. Your board should have on file a certificate of insurance from the roofer that will tell you who they are, what...

Property & Casualty Insurance: Condo Insurance Claim, upstairs unit, domestic carriers
upstairs unit, domestic carriers, property florida: Tom, Generally, they rely upon the honesty of the insured. They may ask for a copy of a lease termination or other documentation. If they felt it was a bit suspicious, they could do a full blown investigation which would include contacting other residents...

Property & Casualty Insurance: Condo/water damage, hey carol, dennis smith
hey carol, dennis smith, last question: Hey Carol, Honestly, I don t believe the association would cover any of your claim. From the information you have given me, the association has no negligence in this situation that I can see. Generally this type of claim is only covered by a personally...

Property & Casualty Insurance: Contractor Liability, general liability, contractor
general liability, contractor: Greetings Linda, Thank you for your question. Broken sprinklers can certainly be a headache. Let me see if I can answer your question. With general liability policies, if the plumber caused the damage then yes, generally, he would be liable...

Property & Casualty Insurance: condo water issues, rental car accommodations, concrete board
rental car accommodations, concrete board, barrier type: Dave, Let me address your last comment first. No-fault in FL only applies to injuries sustained in an auto accident. It does not apply to automobile property damage or any other liability related to the negligence of others. As such, the tile contractor...

Property & Casualty Insurance: Druggist - ISO Form CG22 69 01 96, professional health care, san juan puerto rico
professional health care, san juan puerto rico, coverage issue: Norma, You ve raised several interesting questions, which we will attempt to answer, without having researched the Law (Statutory or Case), in Puerto Rico, with regards to this subject matter. If Puerto Rico is a Joint %26 Several Jurisdiction, this...

Property & Casualty Insurance: damage to my condo from unit above-overflowing toilet, overflowing toilet, water bubbles
overflowing toilet, water bubbles, denial letter: Hey Carol, Unfortunately I am not familiar with the coverage offered by the condo association so I cant say either way if there is any coverage there. My best guess however, is that the association coverage probably covers losses that are caused due...

Property & Casualty Insurance: Fallen tree, who is responsible (Ohio), luck jim, jim c
luck jim, jim c, maple tree: Michele, The person responsible is, who has most of the base of the tree on there property. It doesn t matter where the branches are it only matters where the base of the tree is sitting. If you need more you may contact me at jimcarrier@advancedadjustingmi.com....

Property & Casualty Insurance: Fire from the house next door destroyed my car, owners insurance company, comparable car
owners insurance company, comparable car, blue book value: Rad; First and foremost, if the damage to and ultimate destruction of your vehicle was caused by the next door neighbor s house fire, you need to file a claim with your neighbor s Homeowner s Carrier. If your neighbor doesn t own the house but rents it,...

Property & Casualty Insurance: Fire from the house next door destroyed my car, state insurance department, value of my car
Property & Casualty Insurance: Fire from the house next door destroyed my car, state insurance department, value of my car, car warranty

Property & Casualty Insurance: water damage to my condo, baseboards, floor coverings
Property & Casualty Insurance: water damage to my condo, baseboards, floor coverings, drywall

Property & Casualty Insurance: fl condo insurance situation, water supply line, story townhouse
water supply line, story townhouse, townhouse style: Donna, I m basing my answer on limited knowledge. Typically the condo is responsible for the walls, sometimes the floors definitely the exterior. Your not at all responsible for the neighbor s damage without a lawsuit. They are responsible for there own insurance....

Property & Casualty Insurance: In-Ground Swimming Pool Coverage, denial letter, ground pools
denial letter, ground pools, mid atlantic region: Hi Mark, Your best bet is to take your current home policy, and any correspondence from the current carrier, and allow legal counsel to give you a legal opinion. I would search out an attorney who specializes with insurance claims in your region. The...

Property & Casualty Insurance: Jewelry depreciation, priceless heirloom, precious heirlooms
priceless heirloom, precious heirlooms, insult to injury: Bryan, Depending upon the type of jewelry (costume v. real v. heirlooms, etc.) neither of the two referenced commodities (gold or silver) ever depreciate, per sey. How the claim should be adjusted, according to Best Practices, is to determine...

Property & Casualty Insurance: LIABILITY, water supply line, toilet water
water supply line, toilet water, property casualty: Donna, I m unsure as to what happened, but I had answered this question sometime ago. However, I ll gladly answer the question, again. The first thing you you MUST do is to purchase a Homeowner s Policy, as you otherwise are exposing yourselves to...

Property & Casualty Insurance: property and causlty insurance broker, own insurance, insurance carrier
own insurance, insurance carrier, bargaining chip: Hi again Dav, Hopefully I answer your question this time... Basically, Brokers represent the person buying insurance, Agents represent the company selling insurance. Brokers get compensated by being the middleman when someone wants to by insurance....

Property & Casualty Insurance: Replacing computers not made anymore, apple macs, maxed out
apple macs, maxed out, insurance adjuster: Rod, I see your logic and sure these upgrades you made should be included however I think the claim that is made should be looked at from the basis of the entire claim. Your not telling me at all what the claim was about how the damage occurred was this the...

Property & Casualty Insurance: Restoration after Kitchen Fire, kitchen fire, pocket expenses
kitchen fire, pocket expenses, financial burden: Hello Katrina, First, I am sorry for the situation you are in. I will address the additional living expenses first. Under the policy, the insurance company is required to reimburse you for your out of pocket expenses. Most insurance companies will...

Property & Casualty Insurance: Tornado Damage, tornado damage, hunting camp
tornado damage, hunting camp, coverage c: Hi Gail, I m not an attorney, but I would think the Statute of Limitations in Mississippi would apply since that s where the damage occurred. Unfortunately, I m not aware of what that Statute says. Your LA homeowners policy will not cover any structural...

Property & Casualty Insurance: WATER DAMAGE, water supply line, story townhouse
water supply line, story townhouse, townhouse style: Where I live (NJ) the master deed and bylaws direct what the insurance policy must cover that the association purchases. If you do not have a copy of the association documents, you are entitled to a copy of them. Review the insurance aspect of them to see...

Property & Casualty Insurance: Water heater leak to unit below me, condo insurance, purchase insurance
condo insurance, purchase insurance, story condo: hi Phil, Sorry for the delay. I just had surgery, and am getting back to my email. In a word, if you are not negligent then you are not responsible. The fact that the 4th floor resident did not purchase insurance does not change that. And if they...

Property & Casualty Insurance: Weird Situation, mooring location, long term relationship
mooring location, long term relationship, weird situation: Phil, hello! You wrote this at 3:30 in the morning!!! I would urge you to tell this story to your Insurance Company. I ve been with a company called USAA for 37 years and I always advise my students/clients to communicate. Your situation is far greater...

Property & Casualty Insurance: water damage to my condo, vanitys, kitchen cabinets
vanitys, kitchen cabinets, statutory responsibility: Hi Carol, Sorry for the delay in responding. I ve been tied up in off-site meetings. Thank you for the comments about my bio/expertise. Unfortunately, her insurance company s assessment is correct. Unless there is negligence on her part, it s not...

Property & Casualty Insurance: Condo and water from within the wall, condo association, drywall
condo association, drywall, computer printer: Hi Bernadette, In accordance with FL Statute 718.111, the issues you are having are the responsibility of the Association. Pipes in the wall and any damage to drywall and the associated repairs should be paid for either by the Association or the Association...

Property & Casualty Insurance: my car smashed by tree, tree question, ford focus
tree question, ford focus, berliner: Sean - Your response was: think it blue booked at 11000, it wasn t a lease i was makin $250 payments on it.....no they took the car _______________ It sounds like most of the money went to pay off the loan on the car, and the the balance of the money...

Property & Casualty Insurance: cleanup after repairs, dining room furniture, expedient response
dining room furniture, expedient response, leather coats: Hi Brenda, No need to apologize...but you re right...this is a long question! LOL I ll put my answers in the same order as your questions above. 1) This is one of those situations where companies can differ in how they pay claims. Most companies would...

Property & Casualty Insurance: coverage overseas, nationwide insurance agency, ammonia plant
nationwide insurance agency, ammonia plant, overseas insurance: Jason; There are plenty of US based insurance companies that provide coverage overseas. If I were in your shoes, my first step would be to discuss the situation with your current agent/insurance company. If you re insured by a large company, such as The...

Property & Casualty Insurance: damaged caused by mechanic shop, muffler system, mechanic shop
muffler system, mechanic shop, witness statement: Lois; If your RV was damaged while in the care, custody and control of the transmission shop, they re responsible. You re best bet is to have an attorney, a friend or a friend of a friend preferably (to limit your costs), to begin with, send a demand letter,...

Property & Casualty Insurance: fire loss to golf car used to service premises, iso program, premises
Property & Casualty Insurance: fire loss to golf car used to service premises, iso program, premises

Property & Casualty Insurance: Pool Collapse, homeowners policies, swimming pools
Property & Casualty Insurance: Pool Collapse, homeowners policies, swimming pools, legal contract

Property & Casualty Insurance: fire loss to golf car used to service premises, luck jim, landscaping materials
luck jim, landscaping materials, jim c: John, you use the golf cart to transport mulch or any landscaping materials for the maintenance of your property. If you have a large property you use it to transport workers. Anything to do with the maintenance of your property. If you use it for anything...

Property & Casualty Insurance: Garage coverage, aggregate limit, liability policies
aggregate limit, liability policies, good luck: Linda; I m sorry but I can t answer your question. The language in the policy itself, in ALL liability policies, determines whether or not defense costs are included in the limit of insurance or a separate limit. So, in order to find your answer, you ll...

Property & Casualty Insurance: Home/House Insurance, personal liability coverage, coverage decisions
personal liability coverage, coverage decisions, reputation: Hi Kenneth, I think the most important thing is to find a good agent. I would define that as an agent that is willing to take time to educate you on the policy and to help you make coverage decisions. When that time comes, be sure to use your time in...

Property & Casualty Insurance: Homeowner Insurance Claim question about roof, hail storm, homeowners policy
hail storm, homeowners policy, insurance claim: Hi Aaron, As long as your policy includes coverage for windstorm...which it should...there should not be a problem with coverage. Keep in mind that the cost to repair or replace will be subject to the deductible on the policy. Let me know if you have...

Property & Casualty Insurance: lexus rx300 damage, lexus rx300, car on driveway
lexus rx300, car on driveway, small claims court: Hi Tadin, Sorry to hear about the damage to your car. The person to whom the apartment is leased should be the one responsible for the damage. Unfortunately, it sounds like no one there as liability insurance on the apartment and can t afford to pay...

Property & Casualty Insurance: lost rings, luck jim, coverage limits
luck jim, coverage limits, jewelry watches: Peggie, Yes this would be what is call a covered peril. Look it up on your policy. It is considered an accidental loss. Some items lost are scheduled personal items such as your rings, if in fact those are the same rings on your schedule of personal items...

Property & Casualty Insurance: What do I need to do to get my License, insurance license, insurance department
insurance license, insurance department, right direction: Kimberly; To get an insurance license you ll have to pass an exam. Depending on your state, you may have to take a class, in a classroom setting, in preparation for the exam, or be able to study on your own. Either way, the exam is generally monitored/proctored...

Property & Casualty Insurance: overseas coverage, hub international, overseas coverage
hub international, overseas coverage, international exposure: Jason; The larger agencies that come to mind right off the bat are HUB International, Brown & Brown, AON, and Willis. Search the internet or your phone book for a local listing for any of the above and just make a call. When you call simply tell them your...

Property & Casualty Insurance: Pool Collapse, slow deterioration, surface rust
slow deterioration, surface rust, insurance adjuster: Deborah, Based on what your saying you are obviously correct. Check your policy though, even if rust caused the damage, the resulting damage should still be covered. Why I say check your policy is, I equate this with a damaged water pipe in the home that...

Property & Casualty Insurance: Rental Dwelling Coverage on Well Pumps, rental dwelling, dwelling coverage
rental dwelling, dwelling coverage, well pumps: Hi Julie, I am not clear on what you mean by Well Drilling, and pump replacement. You can purchase sewer backup and sump pump overflow coverage for your contents and dwelling with some carriers, and you so offer an equipment breakdown endorsement too,...

Property & Casualty Insurance: Roof Damage Due to Windstorm, physical damage insurance, roof leaks
physical damage insurance, roof leaks, roofing company: Hi Donna, Yes, this is normal practice in the industry. As a mortgagee on your home loan, they have rights to anything that goes on financially with this property, including proceeds from insurance claims related to the physical damage. Insurance companies...

Property & Casualty Insurance: rcv after a fire, home improvement contractor, skilled work force
home improvement contractor, skilled work force, personal assets: Chris, It is generally not a good idea, for a homeowner to act as their own GC, since if they get in trouble there is no bailing them out. So if you have cost overruns, delays, caused by your own issues, you could not then go to the Insurer and request...

Property & Casualty Insurance: Squirrel caused snapped line to damage car, home owners insurance, mast head
home owners insurance, mast head, glass coverage: Joe, The Power Company would, in our opinion, be correct, in denying Liability, to you, as it was not their Legal Liablility (Negligence), which directly or indirectly caused the damages, to your home and vehicle, but rather a varmit or rhodent. Your...

Property & Casualty Insurance: storm damaged gutters, gutter system, luck jim
gutter system, luck jim, jim c: Errol, What the contractors are saying is that the fascia has water damage and could use replacement. The insurance company is saying that the damage to the fascia was damaged over a period of time and that damage was not due to the storm. To have an insurance...

Property & Casualty Insurance: toilet overflow, toilet overflow, pool tile
toilet overflow, pool tile, ceramic flooring: Carol, Ceramic tile is replaced all the time, but only if it is damaged. If the sub floor is damaged you would see buckling and the tile would come up. If this is not happening and the color looks right as it did before the loss causing event than I would...

Property & Casualty Insurance: 2 family rental home WHAT TO DO??, blood stains, one in a million
blood stains, one in a million, insurance contract: Archie, You have two contract issues occurring simultaneously. One is the Lease Agreement, with the other being the Insurance Contract. We will address them, in that order. LEASE AGREEMENT: Unless the Shooting Brother has enormous assets, by which...

Property & Casualty Insurance: Business Auto, claim time, auto coverage
claim time, auto coverage, policy language: Hi Daryl, One thing you should always remember, underwriters can tell you anything they want, but at claim time it s the adjuster that interprets the policy language! Of course...if you have it in writing the company is on the hook!! The purpose of...

Property & Casualty Insurance: Condo in AZ leaked into downstairs unit, downstairs unit, condo associations
downstairs unit, condo associations, fnma: JDB, All condo policies are written different. Although all the policies for each unit of a given complex would be the same. What I m getting at is the coverage you would be responsible to carry in your unit would be the same as the people below you. Your...

Property & Casualty Insurance: Condo liability, hot water heater, upstairs neighbor
hot water heater, upstairs neighbor, small claims court: Hi Myrna, Unfortunately, the association president and maintenance man are not a judge and jury. Only the court system can decide whether or not someone is negligent. A rusted pan does not automatically mean negligence exists. Maybe the rust was unknown...

Property & Casualty Insurance: Condo water damage, carpet damage, insurance loss
carpet damage, insurance loss, drain tube: Hi Lorraine, In FL, condo laws govern insurance claims but the maintenance is governed by the Declaration of Condominium. The question then becomes, if lack of maintenance causes the water to back up, is it an insurance loss. The answer is YES. The...

Property & Casualty Insurance: car theft at car wash, they deny liability, luck steve, car theft
luck steve, car theft, reciept: Speak to your insurance company, they can send you in the right direction. You may need to speak with an attorney, if you cannot afford one, check with the county you live in. You may have some rights but the car wash will try wearing you out to walk away....don...

Property & Casualty Insurance: ceiling cutout, workers compensation insurance, upstairs neighbor
workers compensation insurance, upstairs neighbor, condominium documents: Hi Barbara, I apologize...I didn t realize you were in FL. FL Statute 718.111(11) definitely makes the association responsible for replacing the drywall in the ceiling. Refinishing it would be your responsibility as you stated. I highly recommend...

Property & Casualty Insurance: Condo in AZ leaked into downstairs unit, own insurance, jim c
Property & Casualty Insurance: Condo in AZ leaked into downstairs unit, own insurance, jim c, insurance

Property & Casualty Insurance: fence, wood fence, estimating programs
Property & Casualty Insurance: fence, wood fence, estimating programs, depreciation

Property & Casualty Insurance: fence, privacy fence, cedar privacy
privacy fence, cedar privacy, luck jim: David, There not refusing to pay for the fence it is standard for them to depreciate and then pay the depreciated amount once you complete the work. Although 900 seems like a lot it becomes irrelevant provided you do the work. I like turning in my estimate...

Property & Casualty Insurance: General Liability Insurance versus Workman's Compensation, general liability insurance, gross negligence
general liability insurance, gross negligence, sole remedy: Hi Roy, Please accept my apology for the delay in my response. I was traveling between conferences in Ft. Lauderdale and Panama City with speaking engagements at both. The standard Commercial General Liability (CGL) policy covers losses that are caused...

Property & Casualty Insurance: HIRING CONTRACTOR, UNLICENSED AND BONDED, CONDO REPAIR, water stains, unseen damage
water stains, unseen damage, personal belongings: Hi Barbara, If the association is responsible for the repairs and they choose to use an unlicensed contractor, then the choice is theirs. Any contractor, licensed or not, should give an estimate based on the total cost of the job not a flat hourly fee...

Property & Casualty Insurance: house insurance, insurance counselor, travelers insurance
insurance counselor, travelers insurance, certified insurance: Hi Ct, I am not sure where you live, so hard to give a straight answer, but yes, there should be other carriers that would write your triplex. If you are in Missouri, please feel free to contact me, hlong@haloibg.com. If not, then go to www.scic.com,...

Property & Casualty Insurance: Liability insurance, business interruption, insurance marketplace
business interruption, insurance marketplace, undamaged portion: Hi Sharon, I would think a local independent agent would be able to help on this, based on the local knowledge of the insurance marketplace. Everything in the world, from an insurance point of view, gets classified , and that classification then carries...

Property & Casualty Insurance: Neighbors Fallen Tree, legal recourse, giant trees
legal recourse, giant trees, property casualty: Danny, This is a common event around the country. Unless you would qualify as an expert, in trees, you would need to hire an appropriate Arborist, to support your probably accurate contentions, observations, etc., that your Neighbor s tree(s) is/are,...

Property & Casualty Insurance: new agent, insurance career, c insurance
insurance career, c insurance, independent agency: Hi Brenda, Being a new agent, with no current book of business, it will be very hard for you to get contracted with some carriers, because of the premium volume they will demand. I suggest you contact www.iiaboc.com in you area, too see what your options...

Property & Casualty Insurance: Should a new independent agent sign up with an MGA/BGA?, independent insurance agents, independent insurance agents of texas
independent insurance agents, independent insurance agents of texas, independent insurance agents and brokers of america: Hey Eddie, The main thing to remember when using an MGA or BGA is that you don t have binding authority. Since you don t directly represent the carrier, the MGA is the one that has that authority. Some states allow the wholesaler to give the retail agents...

Property & Casualty Insurance: non resident entity P&C Texas, reciprocity agreement, insurance dept
reciprocity agreement, insurance dept, state insurance: Sam, It s been a long time since I worked in or with the state of TX. If memory serves me right, I believe they do require a physical address, unlike other states that allow a true, Non-Resident license. I am assuming that you have a license in another...

Property & Casualty Insurance: Payment and Performance bond coverage, performance bonds, bond coverage
performance bonds, bond coverage, bonding companies: Hi Antonio, Typically, financial instruments, such as cashier s checks or money orders, are protected by a Lost Instrument bond. As the term implies, the bond is not actually purchased until the financial instrument is lost. The reason the bond is required...

Property & Casualty Insurance: Preparation for CIC, study partner, classmates
study partner, classmates, test questions: Stephanie; I want to caution you NOT to read other manuals, notes, etc... every single CIC is different. No two are the same. The same instructors are never used in the same location, the same material isn t used, etc... and as I mentioned, the test is...

Property & Casualty Insurance: Property Damages, small claims court, michigan small claims court
small claims court, michigan small claims court, property damages: Hi Lindsay, Wow, what a mess. You should also ask a lawyer how to handle this, as this has some legal aspects to it. If your question is strictly about the car, then file a claim with your insurance carrier. They will cover this under comprehensive...

Property & Casualty Insurance: Getting started, casualty brokers, casualty industry
casualty brokers, casualty industry, property and casualty: Martha; Congratulations on the new license! Agencies are always looking for good producers so finding a position won t be hard. Look through postings online, careerbuilder.com, monster.com, greatinsurancejobs.com, etc... and then research the agencies posting...

Property & Casualty Insurance: water damage from faulty shut off valve, luck jim, master bdrm
luck jim, master bdrm, drain pan: Lydia, All condominiums have different policies of what s required of the condo owner and what s required of the condominiums association s policy. Generally though the drywall and insulation would be the responsibility of the association. The important...

Property & Casualty Insurance: Accident In Company Truck, Lawsuit, pain and suffering, company insurance
pain and suffering, company insurance, insurance policies: Ryan; First and foremost, I m not an expert on laws and insurance policies in Canada. If someone else answers who has a level of expertise, take their information above mine. However, I think I can give you some peace of mind. I doubt the policies are much...

Property & Casualty Insurance: Broker, information technology experience, financial services experience
information technology experience, financial services experience, ny insurance: Happy to help Ali. First I need a little more information. What did you do in the Financial Services Industry? Are your questions more about how business gets written? The inner workings of an agency? If you can, give me a little more on which direction you...

Property & Casualty Insurance: Business Income/Extra Expense, coinsurance clause, business interruption
coinsurance clause, business interruption, time element: Hi Karen, The 40/80/100 is not coinsurance, rather it is considered a Limit on Loss Payment . This is because Extra Expense coverage is not subject to any coinsurance clause. Here s how the policy reads: We will not pay more for Extra Expense than...

Property & Casualty Insurance: Claim denied, depth answer, shelter insurance
depth answer, shelter insurance, claims experience: Gary; I am not an expert on claims decisions but my feeling is, no, it was not properly handled and here s MY reason for thinking so, it may not be correct, but it s my opinion. You can t be in charge of or in control of a vehicle unless you re behind the...

Property & Casualty Insurance: Commercial property landlord's Insurance, auto repair shop, terrorism coverage
auto repair shop, terrorism coverage, divorce decree: Debbie, Unfortunately, the premium issue probably should have been addressed during the divorce. I know you don t want to give him a free ride but you re compromising your own coverage by not having the ownership properly listed on the policy. If the building...

Property & Casualty Insurance: Condo water damage, follow-up question, plumbing service, water leakage
plumbing service, water leakage, question question: Hi Terumi, No bother at all...I m on here to answer your questions. It doesn t matter where the plumbing is...if the wall an the plumbing inside it were there when the unit was originally built, it is the responsibility of the association. Please...

Property & Casualty Insurance: Depreciation schedule for building comconents, depreciation table, depreciation tables
depreciation table, depreciation tables, depreciation schedule: T.J., Your not going to find any depreciation tables. In general you can take the replacement cost to rebuilt say a roof, you put on a 20 year shingle if your 8 years after shingling figure the depreciation at 40%. On building items only a few items can be...

Property & Casualty Insurance: dry wall repair, downstairs neighbor, tile paint
downstairs neighbor, tile paint, condo association: Hi Lea, The condo association is responsible for repairing the drywall and new studs regardless of where they are located. According to 718.111(11) that is common property. As the unit owner, you will be responsible to replace the tile, paint, and/or...

Property & Casualty Insurance: Fire restoration chemicals and autoimmune disease, hashimoto s thyroiditis, insurance company allstate
hashimoto s thyroiditis, insurance company allstate, soot damage: Lisa, I truly feel for you. It sounds like you are at your limits. I don t think I have anything to offer but some inspiration. I got this in the mail the other day and I feel compelled to send it to you. A strong person knows how to keep their life...

Property & Casualty Insurance: In-ground Pool disaster, sewage pipe, earth movement
sewage pipe, earth movement, empty pool: Dustin, Some background of a claim. You need a loss causing event. With certainty the pipe itself is not covered, that is something that cannot be pinpointed to a event that caused it, it was an issue that festered over time. The tearing of the liner however...

Property & Casualty Insurance: Hail Damage Claim, allstate claims adjuster, siding material
allstate claims adjuster, siding material, hail damage: Charlie, Your adjuster owes you for all sides of the house, if it is a reasonable argument that matching is not possible. If you can t match the siding because of color discontinuation or the age of the siding makes it impossible to match due to discoloration,...

Property & Casualty Insurance: Homeowner's insurance for an estate, florida dept of insurance, independent insurance agents
florida dept of insurance, independent insurance agents, independent insurance agents of america: Hi Theresa, You can find carriers to handle this, call the Florida Dept. of Insurance for referrals for this, or call the Florida Independent Insurance Agents of America. Just type those names in goggle and you will find their contact information. You...

Property & Casualty Insurance: HVAC Overflow damaged floors, flooring company, moisture readings
flooring company, moisture readings, insurance claim: Lisa, Hi, sorry about your predicament. Allstate is notorious for not paying claims. The only thing that they could be hanging their hat on for a denial is due to the possibility that the damage was caused over a period of time. An insurance claim must be...

Property & Casualty Insurance: house fire, top of the stairs, popcorn ceilings
top of the stairs, popcorn ceilings, hepa air cleaners: Lee, The smoke from electronics is especially acidic, it makes a real mess. You definitely have to be forceful at times with an insurance company, the work though is often based upon the contractors recommendation so it might be helpful to convince them...

Property & Casualty Insurance: If Independent Contractor gets injured, personal liability limit, personal assets
personal liability limit, personal assets, umbrella liability: I agree, but in many states a sole proprietor can purchase a workers compensation policy AND EXCLUDE him/herself from coverage. Corporate officers can do the same. So make sure when you get a Certificate of Insurance from your contractor that shows workers...

Property & Casualty Insurance: Internal Broken Shower Arm, plumbing costs, landlord insurance
plumbing costs, landlord insurance, plumbing repairs: Amarilys, I m not sure what you are referring to in my renters insurance will cover the lost (presumably you mean loss). If I m correct, you are indicating your renters policy will or has cover/covered your Personal Property, with the landlord s policy...

Property & Casualty Insurance: Leak damage: negligence vs. sudden and accidental, water heater tank, downstairs neighbor
water heater tank, downstairs neighbor, water remediation: Hi John, Unfortunately, while living in condo is much simpler and easy in some respects, when it comes to damage like what you are experiencing it s not quite as easy. Your insurance company is correct in one respect...if the damage is sudden and accidental,...

Property & Casualty Insurance: Mold damage, professional regulation division, upstairs neighbor
professional regulation division, upstairs neighbor, department of business and professional regulation: William, Welcome to the joys of living in a condo. I don t mean that to be a smart comment, although there is a bit of sarcasm in it. At the moment I am living in a condo myself, although I am a renter. I recently sold my house and am looking for...

Property & Casualty Insurance: mold - renters insurance, mold and mildew, small claims court
mold and mildew, small claims court, renting a home: Hi Chris, I am sorry you are having this kind of trouble. You most likely have exclusions on both the landlord policy and the renter s policy for mold, or it s very limited. So you very well may have a claim under your renter s policy, and they would subrogate...

Property & Casualty Insurance: non owned auto coverage, franchise owner, personal policy
franchise owner, personal policy, supplemental policy: Barb; It would be more alarming because then your care givers have a passenger. If there was an accident and one of your clients was in the car and injured, you could be sued and lose. If your care givers are transporting clients, you need to set a standard...

Property & Casualty Insurance: non owned auto policy, personal auto policy, personal vehicles
personal auto policy, personal vehicles, taking time: Hi Leigh, Without reading your policy, here is a general read on how Non-Owned auto works. Non-Owned Auto provides primary coverage for your company if it is sued resulting from the use of an auto NOT owned by the company. The ee s policy DOES NOT cover...

Property & Casualty Insurance: non-resident lic, state insurance department, insurance policies
state insurance department, insurance policies, exact answer: Andrew, I actually don t know the exact answer but I can give you a highly educated guess. I would assume that no, you cannot get a non-resident license in any state in the US if you re licensed in another country and the reasoning is; insurance policies,...

Property & Casualty Insurance: P&C Starting a new agency/ Typical Commissions, florida association of insurance agents, bricks and mortar
florida association of insurance agents, bricks and mortar, franchise fee: Hi Jake, I m a firm believer in the independent agency model. I actually started my career as an exclusive agent and have been on both sides of the fence. You have so much more flexibility in helping your insureds when you are an independent agent. ...

Property & Casualty Insurance: Pool Burst, I'm the neighbor, curve ball, ground pool
curve ball, ground pool, homeowners policy: Ryan, I understand your concerns. The claim is always made with your own insurance company, typically they would subrigate and get paid back by the insurance company of the homeowner who caused the issue. The payment though comes out of the liability section...

Property & Casualty Insurance: Property & Casualty Insurance, property casualty insurance, armed security guards
property casualty insurance, armed security guards, auto liability insurance: Darrin, Worker s Compensation is, of course, a Statutory Requirement, in ALL jurisdictions, for Employee s. However, in some states under some situations, the Owners, Officers, Directors, etc. can be or are exempted. Automobile insurance is also a ...

Property & Casualty Insurance: p&c license from previous job, property and casualty insurance, property and casualty
property and casualty insurance, property and casualty, major insurance: Hi Beth, As in other states, in Michigan you are the licensee no matter who paid for the training, testing, etc. You should have a copy of your license now. If not, I m sure you can get a duplicate by contacting the licensing division of the Michigan...

Property & Casualty Insurance: Re: Water damage from upstairs condo unit, remediation company, upstairs unit
remediation company, upstairs unit, small claims court: Hi Marc, Sounds like you have been through quite the fiasco! It s not unusual to find that your Unit Owner policy and the HOA s master policy provide some level of duplicate coverage. Unfortunately, in some areas the only way to get damage paid for...

Property & Casualty Insurance: Renters Insurance, storage unit coverage, renters
storage unit coverage, renters, insurance: Greetings Darrell, Thank you for your question. Do your parents have a homeowners policy on their own home? If so, generally, the Texas homeowners policy has a 10% extension for property off the main premises. In the event of a fire or theft, there...

Property & Casualty Insurance: responsibility water damage, licensed plumber, poor drainage
licensed plumber, poor drainage, condo apartment: Lea, No you don t have to have a licensed plumber to do the work, the insurance company cannot require any specific worker to perform your job. An insured peril, is an incident causing damage. A fire, a flood, a tornado, a hurricane etc. Good Luck,...

Property & Casualty Insurance: Shingle and Siding Claim--Tornado, state commissioners, insurance dept
state commissioners, insurance dept, commissioners office: Tammy, The insurance company certainly is responsible to make sure your home is done with aesthetics in mind. Sometimes whats right and what they try to get away with are two far different things. As you found out going to the Insurance Dept. of you State...

Property & Casualty Insurance: stored property insurance, personal property claim, personal property claims
personal property claim, personal property claims, hair cutting scissors: Hi Tobi, It s not uncommon for a company to require proof of items when adjusting personal property claims. If receipts are not available, companies will sometimes accept affidavits from friends or associates stating that you had the items. Pictures are...

Property & Casualty Insurance: WATER DAMAGES TO FLA CONDO, broward county florida, water damages
broward county florida, water damages, extraction company: Syntravia, We would first like to point out that we cannot be Experts, on every states Condominium Laws, so we will answer your question, in a generic sense and, if you require additional information, we will try to refer you to a more Specialized...

Property & Casualty Insurance: Water Damage & Mold Remediation, property casualty insurance, mold remediation
property casualty insurance, mold remediation, mold problem: Hi Anthony, FL Statute is very clear that, when it comes to insurance-related losses, the association is responsible for all repairs from the drywall in, including the remediation of the mold. Unit owners like you are only responsible for the 9 items listed...

Property & Casualty Insurance: Water damage-neglect, pvc drain pipe, drain pan
pvc drain pipe, drain pan, ac systems: Hi Lorraine, I like the fact that most of the residents have faithfully maintained their systems and have taken personal responsibility when damage has occurred. That s so rare in today s world. I also understand the bond that so many of you have down...

Property & Casualty Insurance: water damage from water heater to downstair neighbor, ge water heater, contractual law
ge water heater, contractual law, request coverage: Simon, The Third Party Agreement (Section II-Liability Coverages) basically states that the Insurance Carrier will Pay and/or Defend, when it is alleged or determined that an Insured is legally liable. Therefore, until it is determined, by a court,...

Property & Casualty Insurance: auto accident, collision coverage, auto accident
collision coverage, auto accident, ahold: Diana, Since you ve not told me whether or not the Farmer s Insurance Operator has been determined, either by agreement, arbitration or a court of Law, to be Legally Liable, I will respond, on that basis. By now, Farmer s should have been able to...

Property & Casualty Insurance: Baliee Coverage, rental car company, writing a contract
rental car company, writing a contract, customer vehicles: Kimberly, Bailee Coverage is intended to provide Coverage for Personal Property, which is entrusted, to you, for transport, dry cleaning, mechanical work, on ones car, etc. Your GL specifically excludes Coverage for Business and/or Personal Property in...

Property & Casualty Insurance: Boat Dock Insurance, flood insurance program, national flood insurance
flood insurance program, national flood insurance, national flood insurance program: Hi Dawn, I apologize for the delay in my response. I was out of touch for the weekend. There are very few companies that provide private flood insurance outside the realm of the National Flood Insurance Program. Many carriers write and service it on...

Property & Casualty Insurance: Bought a NEW vehicle
Dan; Based on your description, it seems your hunch may be correct. Your situation, however, is more of a legal question than an insurance question. Personally, I would go to carfax.com and run a search of the VIN number to see if anything comes up on that....

Property & Casualty Insurance: Car damaged while in at shop, better business bureau, small claims court
better business bureau, small claims court, filing a complaint with the better business bureau: Hi Danny, I m sorry to hear about your car. The first course of action is to notify the shop owner. His response to your notification will determine your next step. If he notifies his insurance company then you re on your way to getting your vehicle...

Property & Casualty Insurance: Condo Fire Sprinkler Question, fire sprinkler heads, fire sprinkler systems
fire sprinkler heads, fire sprinkler systems, fire sprinklers: Unfortunately, your question isn t insurance-related but really is a maintenance and repair issue. Maintenance issues are dealt with in the Declaration of Condominium (DOC). This document spells out who is responsible for maintaining and repairing common...

Property & Casualty Insurance: Condominium Association Master Policy, mold remediation, condominium association
mold remediation, condominium association, hidden water: Hi Joe, The association is responsible for the full $7,500. FL Statute is clear that the deductible is a common expense and should come out of association funds. If there is not enough money in the current funds to pay the deductible, then they must assess...

Property & Casualty Insurance: Depreciation, insuance companies, stereo cabinets
insuance companies, stereo cabinets, recoverable depreciation: Gail, One of many definitions for what is a collectible is, as follows: Non-financial physical objects found in limited supply that provide esthetic, psychological, or practical value to the owner. They are expected to appreciate as a result of inflation...

Property & Casualty Insurance: Can you make decent money, selling insurance, base salary
selling insurance, base salary, salary range: Lina; I don t own an agency but I am a business owner myself and owning any business, there are things that have to be considered. If you re going to have office space, you ll have to pay rent, pay utilities, purchase insurance for the business itself,...

Property & Casualty Insurance: Condo Fire Sprinkler Question, fire sprinkler contractor, sprinklers
Property & Casualty Insurance: Condo Fire Sprinkler Question, fire sprinkler contractor, sprinklers

Property & Casualty Insurance: HMO Insurance, phonecall, noy
phonecall, noy, telling the truth: Hi Gaynelle, I m sorry that you had a such an unfortunate incident. When a bank force places coverage on property, that policy protects ONLY their interest. Unfortunately, you are not an insured, nor are you protected under that policy. That being...

Property & Casualty Insurance: Insurance Payment, customer service representative, plumbing problem
customer service representative, plumbing problem, mortgage balance: The mortgage company has same rights as your, as long as they have a lien on your home, and in this case they do. The insurance has the obligation to them as equal as they do to you. The insurance is designed to put you back like you were before the loss,...

Property & Casualty Insurance: liability insurance/property, homeowners policies, insurance property
homeowners policies, insurance property, independent agent: Hi Billie, If I understand your question correctly, you are not interested in insuring the property for damage, just protecting yourself if someone is injured while on your property. Most (if not all) homeowners policies (including renters policies)...

Property & Casualty Insurance: NJ Homeowner policy, MHO-3, septic repairs, septic tank
septic repairs, septic tank, wind storm: Hi John, Unfortunately, based on the standard policy language, any structure that is separated by clear space even though it is attached by a utility line or something similar, is definitely an other related structure . According to the way I read...

Property & Casualty Insurance: negligence, federal disaster relief, own insurance
federal disaster relief, own insurance, collision coverage: Saiesh; You will have to read your co-op agreement to determine what is covered for your $800/month fee. My guess is landscaping is covered, but storm damage isn t. A tree coming down in a tornado is not maintenance that s covered. Now, if YOU paid...

Property & Casualty Insurance: neighbors tree fell on my car, rainy weekend, property casualty
rainy weekend, property casualty, act of god: John, If the Insurer, for your Neighbor, can determine that the involved tree was, in fact, in a state of deterioration, rot, disease, insect compromised, etc. then they would or should accept responsibility for the damages you sustained. However, if...

Property & Casualty Insurance: Salvage Title, salvage title, luck jim
salvage title, luck jim, sinkhole: Bob, I can t say I ve had any experience with this type of situation. My general knowledge of how these policies work, I m fairly certain that the title would revert to the insurance company due to the fact that they are in essence buying it from you by paying...

Property & Casualty Insurance: Sub-contractor's insurance, risk transfer, contract
risk transfer, contract, construction: Your not going to like my answer, but I hope it does not sway you from giving me the appropriate rating based on the reality. First, workers compensation is self explanatory. You need to have it in place. Most states will put the burden on the GC if you...

Property & Casualty Insurance: Being Sued Over FL Condo Water Damages, water damages, public adjuster
water damages, public adjuster, good neighbor: Hey Dennis, Not being an attorney, I can t really answer regarding what a judge may or may not rule. I think if you go in armed with the facts and the Statute combined with the fact that your first reaction was to get the water extracted, you certainly...

Property & Casualty Insurance: Third party Property Damage Liability Claims, third party liability, best guess
third party liability, best guess, property damage liability: Hey Liza, I appreciate your position and certainly didn t mean to offend you. Please accept my apologies. I hesitated even adding that last part to my answer but due to the growing fraud in Texas felt led to do so. Again, I humbly apologize. In...

Property & Casualty Insurance: Value of personal property, first edition books, pamela pamela
first edition books, pamela pamela, photo collections: Pamela, Your looking at the cost of film along with getting the film developed for a Replacement Cost for your photos. Unfortunately the insurance company will not pay for any other value that you have placed on the items due to the fact that they are truly...

Property & Casualty Insurance: Water damage, depreciation table, depreciation tables
depreciation table, depreciation tables, depreciation calculations: Rodney, To answer your question about whether the depreciation seems excessive yes definitely. Flooring is depreciated on a building estimate. The depreciation however with flooring that is in average condition should be no more than 30% and that would...

Property & Casualty Insurance: Waterfront home insurance, preferred risk policy, flood hazard area
preferred risk policy, flood hazard area, flood insurance program: Hi Violet, I m not aware of any law changes regarding single family homes that are waterfront. Depending upon where you house is located and whether you re in an area that is in the wind pool you will need the following: A typical homeowner policy....

Property & Casualty Insurance: Willow tree Damages, willow tree, frendship
willow tree, frendship, property damage liability: Jodi, First, thank you for the kind survey results. They are greatly appreciated. You present many significant Legal Issues, which are well beyond the scope of this writer s expertise. However, if you can find out the name of your Neighbor s Homeowner...

Property & Casualty Insurance: Adding P&C, c side, excess surplus
c side, excess surplus, surplus lines: Hi Ken, There are some P&C general agents that represent standard or admitted market carriers. P&C general agents do not appoint agents, they must be appointed by the carrier. That being said, that would not stop you from doing business through the GA,...

Property & Casualty Insurance: CONDO WATER DAMAGE, department of business and professional regulation, fl department of financial services
department of business and professional regulation, fl department of financial services, filing a complaint: Hi Sandra, I m very sorry for all the confusion you seem to be caught in the middle of. You must be blessed with much more patience than I have because I would have gone ballistic on someone by now. First of all, there are Statutes that govern how long...

Property & Casualty Insurance: Commercial Insurance - Projects, industry explosion, project insurance
industry explosion, project insurance, insurance principles: Debjani; From what I ve been able to discern, the Cessation of Work Exclusion is a standard exclusion in this type of policy and basically, if work on the project has stopped, there is no coverage regardless of whether the cessation is total or partial....

Property & Casualty Insurance: Condo AC condenser stolen., air conditioning compressors, ac condenser
air conditioning compressors, ac condenser, ac system: Hi Joseph, The unit owner s insurance company is correct. According to FL Statute 718.111(11), the unit owner is only responsible for about 10 building items when it comes to insurable losses. Air conditioning compressors and related items are not included...

Property & Casualty Insurance: Damage to Vehicle-vandelism, rcmp officers, small claims court
rcmp officers, small claims court, own insurance: Hi Angela, So sorry to hear about the damage to your car. You have been presented the three choices - your own insurance, sue the guys fighting, or have the restaurant pay. Your observation that the restaurant should pay as their bouncers were involved...

Property & Casualty Insurance: depreciation, luck jim, jim c
luck jim, jim c, depreciation: Rand, A replacement cost figure is put together based upon how much it will cost to put the home back to it s original condition. Depreciation is taken from the total replacement cost usually 20-30% what you get is called the Actual Cash Value once you either...

Property & Casualty Insurance: Fire Claim: Replacement, fire claim, basement water
fire claim, basement water, policy language: Hi Woody, The insurance company s obligation is to put the insured back in a pre-loss position. Your mother s house was not in Florida at the time, building codes, cost for labor/materials, etc. are all different there. Insurance companies are never going...

Property & Casualty Insurance: Frustrated in Oregon, oregon ccb, personal losses
oregon ccb, personal losses, oregon statutes: Hi Susan, I can certainly understand your frustration. As I see it, there are two issues here...one is the damage to the mobile home caused by the contractor and the other is a failure to deliver on a contract. The contractor s insurance policy is only...

Property & Casualty Insurance: Commercial Insurance - Projects, consequential loss, cessation
Property & Casualty Insurance: Commercial Insurance - Projects, consequential loss, cessation, peril

Property & Casualty Insurance: Settlement for office breakin and theft, place insurance, insurance
Property & Casualty Insurance: Settlement for office breakin and theft, place insurance, insurance

Property & Casualty Insurance: Flood Coverage for Small Bridges, flood coverage, managing general agents
flood coverage, managing general agents, domestic carriers: Darla, This is a specialty item which few domestic carriers would underwrite. Enter the famous Lloyd s of London ! While Lloyd s of London is not a specific insurance company, it is a collection of syndicates who underwrite coverage for a variety of...

Property & Casualty Insurance: Insured Wedding Ring Damaged, contents, contents loss
contents, contents loss: Rodene: I m sorry to hear of the damages to your wedding ring. Since the insurance company & out of state jewelry repair company have admitted fault & offered to replace your diamond, you re in great shape! Hopefully, you have something in writing from...

Property & Casualty Insurance: Personal Property claim, personal property claim, public adjuster
personal property claim, public adjuster, personal contact: Alex, Please email me again and mark yes for private. I can then send you my personal contact information. There is no charge to talk then I can see if I can find someone in your area who might be able to assist you at a rate reasonable for you. Kind...

Property & Casualty Insurance: professionalism, florida association of insurance agents, american institute for cpcu
florida association of insurance agents, american institute for cpcu, insurance counselor: Hi Jennifer, As far as designations go, there are two that I would recommend to anyone going into the production environment...CIC and AAI. Certified Insurance Counselor (CIC) is administered by the National Alliance out of Austin, TX. The classes...

Property & Casualty Insurance: Real Property Appraising, conversion costs, property casualty
conversion costs, property casualty, appraisal software: Buryl, Whether your appraising a Building, for Replacement Cost, as under an insurance policy, or Value, for State/Municipal taxes, you would use (categorize) the value, of the building, for its current use and function, so that the conversion costs,...

Property & Casualty Insurance: Settlement for office breakin and theft, small business owner, luck jim
small business owner, luck jim, insurance adjuster: Chuck, Yes if the Policy is truly Replacement Value than there is no depreciation and you can demand all your money up front. Why I question this is that a policy such as that is extremely rare to find. Only a few carriers would write a policy like that with...

Property & Casualty Insurance: Unoccupied Condo Insurance Coverage, vacant property, tenant occupied property
vacant property, tenant occupied property, rental property: Lee: I don t know of any insurance company in the Country that writes policies for vacant properties , especially if they ve been vacant for an extended period of time. That is a risk that no carrier is willing to take (or at least any that I m aware...

Property & Casualty Insurance: Valuation of Personal Items -Home Theft, credit card statements, everyday reference
credit card statements, everyday reference, deliberate efforts: Christy, I realize putting together your contents claim seems daunting. The insurance company makes it this way. They also include many columns that simply don t need to be filled out and just keeps you busier and makes the task seem harder. The important...

Property & Casualty Insurance: Condo water leak due to exterior window sill, hard wood floors, improper construction
hard wood floors, improper construction, wood flooring: Hi Jenna, With the rains that we had here in the Tampa Bay area a few weeks back, I m sure lots of people have discovered leaks they didn t know existed. The real answer does not come down to whether the damaged property was inside or outside the unit....

Property & Casualty Insurance: Texas wildfire - home destroyed, words of caution, disaster planning
Property & Casualty Insurance: Texas wildfire - home destroyed, words of caution, disaster planning, disaster recovery

Property & Casualty Insurance: Insurance co says to use old product, insurance claim, claim help
insurance claim, claim help, siding damage: Dear Jonathan, I m not sure what type of siding you have, however I have heard of that practice happening within an estimate or two. In general, vinyl siding fades after a few years depending on the color and the amount of sunlight exposure. In Florida,...

Property & Casualty Insurance: pipe leak, ceiling coverings, common element
ceiling coverings, common element, pipe leak: Hi Jon, In order for one party to become liable to another, there must be negligence. Negligence exists when one party does something they shouldn t have done or doesn t do something they should. Most leaking pipe situations are sudden and accidental and...

Property & Casualty Insurance: Getting started, health insurance agent, casualty agents
health insurance agent, casualty agents, agent commissions: Hi Rachel, It all depends on what you are looking to do which career path to take. You do not need a college degree to get a P&C license, but I suggest you do. Medicare sales requires additional licensing and certification for MA Plans and Part D. You...

Property & Casualty Insurance: Texas wildfire - home destroyed, bastrop county texas, texas wildfire
bastrop county texas, texas wildfire, illustration purposes: Hi Delilah, I am sorry you suffered such a loss to your home and belongings. All insurance companies obligation to you are to put you back in a pre-loss scenario, within the limits and conditions of your policy. If you had $30,000 loss and they paid you...

Property & Casualty Insurance: Auto, garage keepers insurance, personal auto policy
garage keepers insurance, personal auto policy, hello angel: Angel, If you didn t have physical damage insured on the car at the time of loss and if the dealership wont cover it, then you will be responsible for the expenses. I would ask the dealership for the policy number and claims phone number for their garage...

Property & Casualty Insurance: condo insurance, common element, added coverage
common element, added coverage, condo insurance: Joanne, First, let me apologize for the slow response. I was traveling last week and have been playing catch up. According to MD Statute, the most any unit owner would be responsible for when damage occurs to common elements is the deductible under...

Property & Casualty Insurance: Fire & Insurance Claim, fire loss, loss of use
fire loss, loss of use, commercial loss: Natasha, I m very sorry to hear about the fire damaging your building. Your policy should cover the building that you own as well as lost income, less your deductible. Your policy will not cover the tenant s items that they own or were selling. As for...

Property & Casualty Insurance: Home Insurance, mysterious disappearance, red flags
mysterious disappearance, red flags, those keys: Hi Geoff, A police report would have to be filed & investigation on loss. If there were no evidence of loss, they could deny the claim, because mysterious disappearance is not covered, unless items are scheduled & endorsed on policy. There would have to...

Property & Casualty Insurance: Home Insurance Coverage - Deck, home insurance coverage, city ordinance
home insurance coverage, city ordinance, building inspector: Dear Darnell, You need to get an outside company to appraise the situation, and then go from there. You should have ordinance and law coverage on your home policy to help cover this kind of thing. If not, then ask the person who sold it to you why did they...

Property & Casualty Insurance: Purchasing Home Insurance, peril insurance, liberty mutual
peril insurance, liberty mutual, case 2: Hi Alex, Your sister would need a Lessors Risk or Fire/Dwelling policy to cover her exposure of owning the dwelling and renting it to others (albeit her brother). You would get a simple renters policy commonly available. Your sister, however, may...

Property & Casualty Insurance: Structure Damage-Collapse, septic tank collapse, collapse
septic tank collapse, collapse, pipe break: Dawn, I m sorry to hear about your old septic tank cover collapsing and causing damage to your bathroom. I haven t had this happen to any of my clients before, however I have worked with many clients where there were pipes under the foundation of the home...

Property & Casualty Insurance: water surge, flood zone, flood insurance
flood zone, flood insurance, luck jim: Jill, Flood insurance is not very common. Especially if you don t and it s practically non-existent if you don t live in a flood zone. I m sure your neighbors don t have it yet they have been paid. Check to see what the covered peril was with your neighbors....

Property & Casualty Insurance: circuit breakers FL condo statute, circuit breakers, lightning damage
circuit breakers, lightning damage, hi mary: Hi Mary, According to FL Statute, when an insurable loss occurs there are only 9 or 10 items that the unit owner is responsible for. Everything else is the responsibility of the association. In your case, the lightning damage to the circuit breakers...

Property & Casualty Insurance: Condo damage, pipe break, denied claim
pipe break, denied claim: Ray, I m sorry for your loss. It appears to me that your insurance company is already playing hardball with you. Assuming that you have an HO-3 policy, the trigger for coverage is whether your loss was as a result of an event that was sudden and accidental...

Property & Casualty Insurance: Florida Condo Leak, property insurance policy, cabinets and countertops
property insurance policy, cabinets and countertops, curtains drapes: Michael, I apologize. I m having trouble accessing my office computer remotely. I m in a small town in Southern GA for the night and my wireless signal must not be strong enough. If you feel comfortable you can send me your email address and I will...

Property & Casualty Insurance: Florida Condo Leak, porch enclosures, wax ring
porch enclosures, wax ring, shower drain: Hey Mike, I know you know this, but since when does a contract take precedence over LAW! If that was the case, we could commit all kinds of crimes if we had a contract to do so! The whole purpose of the Statute was to have one overriding rule since every...

Property & Casualty Insurance: Florida condo water leak, toilet water, condo owner
toilet water, condo owner, floor condo: Hi Gary, According to FL Statute 718.111(11), you would be responsible for repairs to your unit that involve only certain items...those items are listed in sub-paragraph (f)3. Any other damage in your unit, when caused by an insurable loss, is the responsibility...

Property & Casualty Insurance: Could homeowners Insurance be liable?, tattoo parlor, claims adjusters
tattoo parlor, claims adjusters, homeowners insurance: Johnny, Thank you for your question. I apologize for the delay in answering it. Your question isn t one I would call a normal or common issue. Because their child is a minor, there may be some liability there. However, because there was consent by your...

Property & Casualty Insurance: ins claim Property and Casualty, personal injury attorney, rv dealer
personal injury attorney, rv dealer, property and casualty: Hi Richelle, I am very sorry about your loss. Well, it s to hard of question to give a full answer to without seeing the policy. But if the contractor s insurance carrier is assuming liability, then you can ask for the physical damage for the trailer,...

Property & Casualty Insurance: NC Homeowner's Insurance, trinkets jewelry, random times
trinkets jewelry, random times, life estate: Sharon, Sorry for the delay in getting back with you. I must say that you almost need a flow-chart to keep track of all the parameters involved here! Fist of all, if your father had conveyed ownership of the home - and contents he owned prior to...

Property & Casualty Insurance: New agent, insurance budget, business openings
insurance budget, business openings, property and casualty: Simple solution, Create relationships with Accountants, Attorneys,and Bankers. They have clients in need of products, and hopefully you ll have a inside track. You ll be able to discuss an insurance budget and needs before they re open for business. Thanks...

Property & Casualty Insurance: New agent question, business openings, property and casualty
business openings, property and casualty, business registry: I don t know how it works in Canada, but here in Belgium every business has to register itself in several databases. In what we call Belgisch staatsblad (translated as national paper) those starters are published. Here in Flanders, we can pay to get all...

Property & Casualty Insurance: question about filing a claim, appraisal, umpire
appraisal, umpire, insurance claim help: Dan, I haven t adjusted any claims in Ohio, therefore I m not familiar with your insurance policy provisions, however in Florida, some policyholders have the option of demanding appraisal when both sides disagree. You could have just about anyone represent...

Property & Casualty Insurance: water damage and no insurance, carpet damage, gross negligence
carpet damage, gross negligence, insurance question: Hi Ginger, The only way to get reimbursed for the repairs you paid for would be for that unit owner to file a claim with their insurance company. Unfortunately, it would be their choice to do that so. If they would agree, then they would need to agree...

Property & Casualty Insurance: broken pipe / water leak / FL condo, home owners insurance, water exit
home owners insurance, water exit, flood damage: Hi Lou, I m glad I could be of some help to you. I know those condo documents are large...I ve reviewed them in my past life as an agent who wrote condo master policies. Suffice to say that I m much happier answering consumer questions about condos rather...

Property & Casualty Insurance: CG2268 endt for car washes, foot slips, commercial general liability coverage
foot slips, commercial general liability coverage, cg 22: Patti, First, let me apologize for the delay in answering your question. Under the older Commercial General Liability Coverage Part (CG 00 01 - before the 1998 edition) there was an exclusion (Exclusion g. of Paragraph 2., Exclusions of Coverage A -...

Property & Casualty Insurance: Commercial Claim, jp jp, hvac unit
jp jp, hvac unit, faulty work: JP, This is a bit outside my expertise, as this is a liability type issue. As an adjuster I don t deal with liability, but based on your situation I don t see how the owner of the unit would not make a claim with there own insurance company. For your client...

Property & Casualty Insurance: Condo insurance, water heater leak, water damage
water heater leak, water damage: Dear Condo Owner: I m sorry to hear about your water heater leak and the unfortunate timing. Since your policy lapsed, I don t feel you having any coverage for the loss. If the downstairs condo owner has insurance, they should contact their insurance...

Property & Casualty Insurance: Another Condo with water Damage, upstairs neighbor, porch area
upstairs neighbor, porch area, sticky question: Hi Jessica, I would let your carrier go ahead and get the damage repaired rather than wait for this battle to be fought and a winner declared. At least then you can relax knowing that your damage is repaired and your unit is back in order. This will...

Property & Casualty Insurance: car damage estimates, car repair shop, damage estimates
car repair shop, damage estimates, educated guess: Gary, By all means you can get additional estimates. I highly recommend that you get more than one. Keep in mind that an adjuster is NOT the one who is going to be doing the repairs ... the dealer or car repair shop IS and their QUOTE should carry more...

Property & Casualty Insurance: content depreciation, mechanic work, luck jim
mechanic work, luck jim, approximate age: Sandi, Date of purchase is not as important as you may think, approximate age such as 6 months ago, 8 months ago, 1 year old, a year and half. It s not necessary you know the day you bought each item in your home. That would truly slow down your ability to...

Property & Casualty Insurance: DAMAGE TO CAR, gust of wind, windy evening
gust of wind, windy evening, insurance adjuster: Kaye; It s not an easy answer unfortunately. In one respect, yes, your company could be liable if they purposefully did not secure the gate. On the other hand, an insurance adjuster might find that the wind was the cause, not the lack of secure closure...

Property & Casualty Insurance: E & O question, profit side, iiaba
profit side, iiaba, management position: Hi Sherri, E&O underwriting will vary from carrier to carrier. Some will allow the experience of the non-owner to be considered if that person is in some sort of management position. In my past work life I ran the for-profit side of a state Big I...

Property & Casualty Insurance: Floater policy, floater, homeowners policy
floater, homeowners policy, effective dates: Wilson; A floater policy generally covers one specific item, such as a piece of jewelry or art work, and provides more coverage for that item than is given in the base policy. A homeowners policy may limit coverage for Jewelry to say $5,000 for all items...

Property & Casualty Insurance: Garage Liability vs CGL, cgl policy, auto service and repair
cgl policy, auto service and repair, p c world: Hi Rick, A Garage Liability policy is simply a CGL policy combined with a Commercial Auto Coverage form. In fact, the reality is that having a separate CGL and Commercial Auto actually has broader coverage that the old Garage Liability form. As long as...

Property & Casualty Insurance: insurance who pays, homeowners policy, water restoration
homeowners policy, water restoration, restoration company: Kevin, A lot will depend on the Condo by-laws so I would go back to those and read them carefully. Generally, you only own the finishes and the air inside your unit ... everything else is considered community property and owned by all the members of...

Property & Casualty Insurance: Painting Contractor, workmens comp, workers compensation insurance
workmens comp, workers compensation insurance, steep hillside: Bob; My personal opinion is to hire the first guy who s licensed and bonded but, I m in the insurance industry and know more claims horror stories than any one person should, so it definitely affects my opinion. I m also a homeowner and know the feeling...

Property & Casualty Insurance: Replacement Cost - Outdoor Sign, quality estimate, wind event
quality estimate, wind event, sign face: Leah, We are making the following presumptions: The involved sign was originally attached to the building. Following the initial damages, by wind, the sign was removed and placed or stacked against the building, when it was vandalized. When the sign was...

Property & Casualty Insurance: Off-site garage/workshop, personal property section, homeowners policy
personal property section, homeowners policy, business pursuits: Marty, Really, the best way to ensure that the building (and the liability arising out of ownership) is covered would be to tell your insurance agent what you have, and ask him/her to provide a quote to insure it. If they can t do that, find an insurance...

Property & Casualty Insurance: Business Liability?, business liability insurance, negligent acts
business liability insurance, negligent acts, insurance summary: Hi Monica, Business Liability covers bodily injury and property damage cause by the negligence of the association. Some liability policies written for associations exclude liability to the unit owners since they are considered insureds under the policy....

Property & Casualty Insurance: Co-Insurance, coinsurance clause, hi art
coinsurance clause, hi art, business income: Hi Art, Checking No in one box does not mean that the other one is Yes. A company can waive the coinsurance provision or, as in the case of the BOP policy, does not have a coinsurance provision. In a BOP policy, you have an Insurance To Value (ITV) clause....

Property & Casualty Insurance: Condo-Ice, Water damage, wet insulation, state department of insurance
wet insulation, state department of insurance, partial walls: Hi Ang, Sorry for the delayed response...I ve been on a plane all day flying to Dallas. There is damage to your condo that could potentially be covered by both policies. The adjusters from your unit owner company and the association s company need to...

Property & Casualty Insurance: Condo Owner - Water Damamge & Mold, water damage and mold remediation, health implications
water damage and mold remediation, health implications, living expenses: Hi Jackie, I m sorry to hear about your situation. Mold issues are difficult even without considering the health implications. Let s start with your homeowner s company. I m not sure who told you that, but unless they put the denial in writing, it...

Property & Casualty Insurance: Condo roof leak, home owners insurance, black mold
home owners insurance, black mold, roof leak: Jim, I am so sorry for your situation! The mold is a serious issue and can cause serious health concerns so it will definitely need to be professionally removed. My first piece of advice to you is to go straight to the Condo Board President and file a...

Property & Casualty Insurance: condo water leak, water filtration system, small claims court
water filtration system, small claims court, company states: P, The liability portion of his policy would cover your damage. Unfortunately, it may take a judgment in small claims court to get this done. Have your neighbor submit the judgment to his insurance company. That is of course if you can t get the insurance...

Property & Casualty Insurance: FL Condo Water Leak, water leak, gray areas
water leak, gray areas, shower stall: Hi Susan, Sounds like you have quite the mess and things have come to a stall. Even with all the Statutes that govern what has to be insured by whom, there can still be some gray areas. There is no doubt that most of the damage to the unit below you...

Property & Casualty Insurance: Florida Work Comp, florida employees, illinois employees
florida employees, illinois employees, michigan employees: Hi Dawn, You Illinois carrier will not cover the Florida employees. Especially since you have already asked them and they said No. Check item 3A on the workers compensation policy. Item 3A indicates for which states the carrier is providing coverage....

Property & Casualty Insurance: Condo-Ice, Water damage, own a condo, insurance company
Property & Casualty Insurance: Condo-Ice, Water damage, own a condo, insurance company, amount of money

Property & Casualty Insurance: Hardwood Floor Refinish, water loss, insurance claim
water loss, insurance claim, public adjuster: Phil: I m sorry to hear about your water loss & hardwood floor damage. The insurance company is only required to repair or replace the damaged portion. If that s 10 square feet, then they re only required to repair or replace 10 square feet to its pre-loss...

Property & Casualty Insurance: Homeowner's Claim, hail storm, insurance fraud
hail storm, insurance fraud, do the right thing: Amy, You are not committing insurance fraud by not repairing your home. You insured your home against damage, the damage occurred, and you were reimbursed for that damage. You can choose to fix you home, or go out to dinner with the proceeds! James...

Property & Casualty Insurance: Insurance Question, stone brick, insurance question
stone brick, insurance question, street stroudsburg: The Actual Cash Value of a building will be determined by the Statutes, Insurance Laws & Regulations, which are applicable to that particular jurisdiction. The first question to ask is whether or not the particular jurisdiction subscribes to the Broad Evidence...

Property & Casualty Insurance: Property Insurance, restoration company, property insurance
restoration company, property insurance, death in the family: Hanna, First, I am sorry to hear about the fire. Second, my apologies for this late answer. Due to a death in the family, I have not been checking this particular email account. I would be happy to explain why you did not receive the $199,000 - the reason...

Property & Casualty Insurance: Request for money after insurance payout, insurance payout, insurance company
insurance payout, insurance company, police report: Hi Rachael, I would think that the police report would give a pretty god indication of who was at fault. Usually the at fault driver is issued a citation. If none was issued or the police were not notified then it becomes one person s word against the other....

Property & Casualty Insurance: Roof Damage Assessment, patch job, roof contractor
patch job, roof contractor, jim c: Russell, You may want to contact the adjusters boss discretely, introduce yourself let him know your experience and appeal to his better senses on how the claim should be dealt with by replacing the entire roof. Mention you can t at all guarantee the work...

Property & Casualty Insurance: Stolen Goods Recovery, theft, burglary
theft, burglary, vandalism: I would suggest that you ask your insurance company for a copy of your policy. In general, when your claim was paid, any recovered property down the road, in effect, becomes the property of the insurance company. If you want to buy back the rifle from the...

Property & Casualty Insurance: Subrogation, subrogation rights, plumbing work
subrogation rights, plumbing work, plumbing contractors: Nadine, Since X was asked to do this work and did, but was not paid any remuneration does not change the fact that X undertook something he was not engaged to do, but still owes an obligation (Duty Owed since he undertook this task) to do what he or she...

Property & Casualty Insurance: tenant liability insurance, teant, legal liability
teant, legal liability, commercial lease: Hi Molly, You do not have an insurable interest in his property unless, as you say, this is a triple net lease. That said, he could ask that you secure a policy in his name and pay for it. Technically, his property should be his responsibility. You re...

Property & Casualty Insurance: Condo water damage ( CT ), insurance claim
insurance claim: I m thrilled to hear that things are progressing for you & that your demand letter worked. You re absolutely right... insurance companies pay you to install the same type & grade of carpeting that you have on your floors now. A typical flooring company...

Property & Casualty Insurance: Condo water/ice damage, additional living expenses, insurance claim
additional living expenses, insurance claim: To answer your question... Yes, it s totally understandable that you would ask for (and receive) all out of pocket expenses which are above & beyond your normal costs or normal monthly averages. I hope it all works out well for you. Keep me posted! ...

Property & Casualty Insurance: condo ice/water damage, condo management, condo association
condo management, condo association, water damage: Hi Ang, I would recommend that you get some estimates from people that you trust. Ultimately, it will be the choice of the condo management to use who they want if they are paying the tab. However, they should not accept a bid from just one contractor....

Property & Casualty Insurance: Damage to condo celing from bank owned condo upstairs, renovation contractor, tort feasor
renovation contractor, tort feasor, condo unit: Heather, I m unsure as to the Condo Statutes, in California, but I ll try to answer your question, on a generic rather than a specific way. The first issue is the determination as to either the Negligence, of the Condo Owner, with the second issue being...

Property & Casualty Insurance: Drain leak, condo rules, florida statute
condo rules, florida statute, board votes: Hi Antonius, I m sorry you re having to go through all this ridiculous banter. Let s think about this for a minute: I m an insurance expert who was involved with the changes in the condo laws, have analyzed the law as it relates to insurable losses, and...

Property & Casualty Insurance: Insurance on Ineligible Property, vacancy clause, return of premium
vacancy clause, return of premium, earned premium: Greetings Randy, Thank you for your question. I am sorry to hear of your mothers passing. It sounds like to me the underwriting department wasn t notified by whoever you notified of your mothers home being vacant. In Texas there is a vacancy clause...

Property & Casualty Insurance: Neighbor's tree on car?, homeowners policy, fiance
homeowners policy, fiance, neighbor: Hi Becci, I m sorry to hear about your fiance s car. The neighbor s parents may not necessarily be correct. If the neighbor knew the tree was rotten but failed to do anything about it, he could be found negligent. If that s the case, then their homeowners...

Property & Casualty Insurance: Neighbors chimney bricks fell and hit my car!!, insurance carrier, chimney
insurance carrier, chimney, legal counsel: Hi Robert, You can file claim with your carrier, and the carrier may go after him for their money back, or you can seek legal counsel, you need to show proof you actually notified him of his damaged property, or it s just your word against his. Good...

Property & Casualty Insurance: Personal Property, mr lopez, insurance adjuster
mr lopez, insurance adjuster, policy language: Mr. Lopez, She is your wife. I do not understand why she would not be covered. (her son s items should be covered too# I suggest trying to make sure it isn t a misunderstanding. If the adjuster insists your wife is not covered then I would suggest...

Property & Casualty Insurance: Property Management, general liability insurance, personal assets
general liability insurance, personal assets, car savings: Glo; You need General Liability Insurance and you need it whether your managing 1 property or 1000. Find a good Independent Agency in your area and they can get several quotes on policies for you. If you have friends who are business owners, ask who they...

Property & Casualty Insurance: Residence Employee under Homeowner Policy, claims supervisor, family dwelling
claims supervisor, family dwelling, elderly parent: Hi Cheri, Here is a standard definition of a home policy, you would need to read your particular policy very carefully, and if it s not clear, then call the claims department for your company, and ask to speak to a claims supervisor for home insurance,...

Property & Casualty Insurance: Tree damage to neighbor's property, property question, agricultural property
property question, agricultural property, ground pool: Tiffany, You re very welcome. John R. Koenig, CPCU, AIC, ARM, AIM, SCLA Property/Casualty General Adjuster This e-mail and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are...

Property & Casualty Insurance: theft and vandalism of property, drug addict, property question
drug addict, property question, tennessee law: Thanks for your question. If the loss took place while your relative was living with you, then your insurance company is correct. The policy defines the term an insured as the named insured and resident relatives. Losses caused by one insured against...

Property & Casualty Insurance: Bad Homeowners Insurance Policy, insurance claims
insurance claims: Dear Dan: From a public insurance adjuster s viewpoint, I think the deductible is very high because you will have to have $5,001 in damages before you are paid $1. Unfortunately, if you lower your deductible, the premium increases. The most common deductibles...

Property & Casualty Insurance: bsrn fire, structure criteria, picket fence
structure criteria, picket fence, barn fire: Hello Linda, It is a fine line between structure and other structure, and the line is drawn with attachment. This is a very fine line, but often fences and driveways are covered under other structures, unless attached. Since I can not see your house,...

Property & Casualty Insurance: car hit with tree while at work, property management group, hcri
property management group, hcri, weather events: Anita, If the tree limb fell as a result of weather events that passed through the area, then it is considered an Act of God and no one is legally liable for your damages. If someone was trimming the trees and did not post any notice that cars in...

Property & Casualty Insurance: fire losses, fire losses, lighting strike
fire losses, lighting strike, time jim: Hi Jim, Sorry to hear about the garage and all the trouble getting it settled. It is okay to deposit the check if the check DOES NOT say In Full and Final Settlement . It is OK to deposit the check if you have IN WRITING that the adjuster acknowledges...

Property & Casualty Insurance: Hail damage insurance proceeds, hail damage, insurance proceeds
hail damage, insurance proceeds, insurance side: Kerri, Thanks for using All-Experts. Here s my read on this - you had a claim, it got paid. The insurance side of this is over. If the association wants your check, that becomes a legal question that will probably involve interpretation of the By-Laws...

Property & Casualty Insurance: home insurance, comprehensive loss underwriting exchange, insurance applications
comprehensive loss underwriting exchange, insurance applications, short answer: Hi Melanie, Typically, insurance companies compile claims data which can be retrieved through an underwriting report called CLUE (Comprehensive Loss Underwriting Exchange). CLUE reports can be pulled by the insured s name and/or by the property addresws....

Property & Casualty Insurance: Ice Damming, insurance company claims, company adjuster
insurance company claims, company adjuster, interior damage: Hey Jeff, I m looking at a copy of the industry standard form and I don t see anything in there that would exclude coverage for the damage you describe. I will, however, leave complete interpretation of the form your carrier uses and any proprietary endorsements...

Property & Casualty Insurance: Ice Damming, insurance claim, claim help
insurance claim, claim help, ice damage: Jeff: In an H0-3 policy, normally you would think that damage caused by ice melting & refreezing is covered. My experience though reminds me that your policy & endorsements should be reviewed. There may be an exclusion. If Ohio allows public adjusters,...

Property & Casualty Insurance: Insurance/water damage, contractor repairs, insurance repairs
contractor repairs, insurance repairs: If the holes were there as a result of wall hangings, pictures, etc., then it s not an insurance related event. If you re unhappy with the quality of workmanship, then that s an issue between you & the contractor and doesn t involve the insurance company....

Property & Casualty Insurance: Ice Damming, insurance company claims, water saturation
insurance company claims, water saturation, hcri: Jeff, The HO-3 is considered an all risk policy, which means that you start from the premise that everything is covered UNLESS it is a named exclusion. The primary exclusion dealing with freezing is #2. The wording of that exclusion though appears to...

Property & Casualty Insurance: Property Damaged by neighbors carport, insult to injury, back porch
insult to injury, back porch, picnic table: Lynda, The paying of the costs to remove the steel beam, from your roof, does not designate ownership. Your Insurance Carrier WOULD, SHOULD, WILL, ETC. reimburse you these costs. If you had taken this steel beam to the scrap yard, you MAY, COULD, WOULD,...

Property & Casualty Insurance: Property Insurance for a Rental Condominium, rental condominium, resort condominium
rental condominium, resort condominium, rental pool: Larry, Unfortunately, you will have to insure this as an LLC. An LLC gets certain protections under the law, namely your personal assets are protected. But you must act as an LLC, or you can forfeit those protections. If you insure the building under...

Property & Casualty Insurance: roof leak in townhouse, personal property insurance, townhouse development
personal property insurance, townhouse development, material possessions: Hi Dana, I apologize for the slow response. It s been one of those weeks that has been jam-packed with turmoil. I m finally getting a chance to recoup and catch up. I think you will need to write me more because we need to make a distinction here....

Property & Casualty Insurance: starting P & C agency, voluntary employee benefits, business plan competition
voluntary employee benefits, business plan competition, professional designations: Hi Heather, Please go to www.scic.com, and ask for some contacts in your area, that can mentor and help you find what you are looking for. They will be able to give you some good referrals, and point you in the right direction. Best Wishes, Harold...

Property & Casualty Insurance: Water damage to condo below me, luck jim, own insurance
luck jim, own insurance, free lunch: Marge, Your neighbor below must file his own claim. Your insurance covers your claim, and if the person below you understood the way insurance works he would file his own claim with his insurance company. The real issue is probably that he doesn t have...

Property & Casualty Insurance: Water/Ice damage/Adjuster refusal, claim dispute, claim help
claim dispute, claim help, insurance claim: In my opinion, the best thing to do is call your agent and get them involved -- call them daily. I ve seen where claims are handled better when the agent makes a few phone calls on your behalf -- they can speak with claims managers, they can ask for status...

Property & Casualty Insurance: Water/Ice damage, water stains, restoration co
water stains, restoration co, interior damage: ang, It s time to get the agent that sold the policy involved. The fact that the adjuster did not see the damage on his visit (why didn t the contractor) doesn t mean his company is not liable for the damage. Write your state s insurance department and...

Property & Casualty Insurance: barn fire 67 camaro, 67 camaro, barn fire
67 camaro, barn fire, frame body: Hi Steven, Love the 67 s...and am very sorry to hear about the fire. The only way to ge the car covered would have been to carry Comprehensive on it. BUT - if you had contents coverage applicable to the barn which caught fire, then unattached parts...

Property & Casualty Insurance: car damaged while parked at work parking lot, hcri, information llc
hcri, information llc, act of god: Corrie, A lot would depend on the condition of the sign before it fell and any prior knowledge that the owners of the shop had about it s condition. If the winds were typical and nothing out of the ordinary, then someone has to answer the question as to...

Property & Casualty Insurance: ceiling water damage in condo, hot water heater, hoa dues
hot water heater, hoa dues, drywall ceiling: Hi Nicole, I m amazed at how irresponsible some condo associations can be. I ll bet if it was the unit of one of the directors, the damage would be repaired fairly quickly. Based on the statement from your carrier, it sounds to me like the association...

Property & Casualty Insurance: condo insurance flood liability, miami beach florida, repair estimates
miami beach florida, repair estimates, insurance problem: HI Robert, I have no problem with you sending my responses. I know FL Condo Statute inside and out. The association is more than welcome to ask questions through this portal as well. By not responding properly to your claim, the condo Board is opening...

Property & Casualty Insurance: Condo water/ice damage, company compliance, public adjuster
company compliance, public adjuster, insurance dept: Hi Ang, I ve done some digging but can t seem to find any CT statutes that relate to insurance adjusters. The only thing I can recommmend at this point is to look for an attorney or a public adjuster to represent you. You need someone that can advocate...

Property & Casualty Insurance: how to Contract with good MGA or Direct Carier, independent insurance agents, casualty business
independent insurance agents, casualty business, commercial policies: Hi Waheed, One broker that pops into my head instantly is Agent Secure. These guys do commercial policies and I believe they write in all states. You can find more about them by visiting their website: www.agentsecure.com. If you are a member of...

Property & Casualty Insurance: employer question, snap on tool, tool trucks
snap on tool, tool trucks, distribution trucks: Leslie, Based upon what you are telling me, it would appear you Husband s Employer has Coverage, under THEIR Policy, for the Personal Property of Others and/or Personal Property in Their Care, Custody and Control, as otherwise one cannot insure property...

Property & Casualty Insurance: barn fire 67 camaro, policy with regard, exact wording
Property & Casualty Insurance: barn fire 67 camaro, policy with regard, exact wording

Property & Casualty Insurance: In-ground Pool liner damage
Property & Casualty Insurance: In-ground Pool liner damage

Property & Casualty Insurance: Leak, homeowners policy, consequential damage
Property & Casualty Insurance: Leak, homeowners policy, consequential damage

Property & Casualty Insurance: Garage Keepers Coverage in Texas, hail storm, hail damage
hail storm, hail damage, car pollution: Michael, Your GK policy is there to protect YOU from damages that you would be legally liable for. The fact that the cars were parked in your lot for repairs and suffered damages from a hail storm doesn t make YOU liable for those damages. Any more than...

Property & Casualty Insurance: Garage Keepers exclusion, garage keepers, car detailing business
garage keepers, car detailing business, paint job: HI Richard, UGH!!! Claims adjusters can really drive me nuts sometimes. I ll reiterate what I said before...if your insured was test driving the car and was involved in a collision, he would have caused damage in the course of his WORK! The intention...

Property & Casualty Insurance: garagekeepers, garage liability, insurance adjuster
garage liability, insurance adjuster, collision coverage: Hi AC, It sounds like you had a really bad day! Look on the bright side...one claim in 30 years is better experience than 99% of other garages. Garagekeepers coverage is designed to cover damage to customers autos that are in your possession. Since...

Property & Casualty Insurance: In-Ground Pool liner damage, spring thaw, pool store
spring thaw, pool store, pool water: Don, To have an insurance claim you must have an event that caused the damage. Get out your policy and read about perils . You must have a peril to have a claim, basically an event that caused the damage. If the peril is a covered peril your in business....

Property & Casualty Insurance: In-ground Pool liner damage, pool liner, insurance claim
pool liner, insurance claim: The insurance policies that I ve seen would offer no coverage for your loss. You should definitely look at your policy and determine the perils that you are insured against prior to making a claim. There s no point in making a claim if there s not going...

Property & Casualty Insurance: independant agency, appalachian underwriters, independant agency
appalachian underwriters, independant agency, captive agent: Hi Todd, Sorry for the delayed response. An email is sent to notify me when a question has been asked but for some reason, I never got an email notifying me that I had a question pending. Now I m assuming that you plan to be self employed and are not...

Property & Casualty Insurance: Leak
Hello Mari, So sorry to hear of your frustrating experience with your insurance company. Hopefully, you did not jump into a policy with a company promising to save you 15% in 15 minutes. You don t want to be penny wise, but pound foolish when it comes...

Property & Casualty Insurance: Negligent renter, downstairs unit, condominium owner
downstairs unit, condominium owner, condominium association: Hi Keri, I m sorry to hear about your situation. It s unfortunate that this was allowed to occur. I think the first thing I would do would be to have the health department conduct some sort of air quality test to see if they could find a reason you...

Property & Casualty Insurance: Opening our own Agency, property and liability insurance, brokerage firm
property and liability insurance, brokerage firm, carrier state: Hi Nate, One of the problems working as an employee of an agent is that the $$ just don t seem to quite make it down to you as the producer. There s a lot to consider when going out on your own. Remember...you ll have overhead that you don t currently...

Property & Casualty Insurance: P&C Compensation, straight commission, own destiny
straight commission, own destiny, independent agencies: Hi Tina, One of the downsides to working as a producer in someone else s agency is that you don t own the business. On top of that, you typically sign a non-solicitation agreement stating that you agree not to solicit accounts that belong to the agency...

Property & Casualty Insurance: umbrella policies, umbrella policy, umbrella policies
umbrella policy, umbrella policies, hail damage: Sheila, Virtually every policy contains wording that says something to the effect of - We will cover loss DURING THE POLICY PERIOD. Any policy purchased after the date of the prior accident would not be responsible for any damages prior to it s inception....

Property & Casualty Insurance: Vacation Home Liability, single family dwelling, lloyds of london
single family dwelling, lloyds of london, burial vaults: Hi Steve, First of all, let me commend you for actually reading your policy and trying to understand what it says. That s very rare. I ll preface my comments by saying that without looking at the entire policy, my answer will be based solely on the...

Property & Casualty Insurance: water damage insurance, foyer flooring, claims supervisor
foyer flooring, claims supervisor, personal contents: Hi Ang, I would call the insurance company and ask for a claims supervisor. I would take the time to explain everything and express your dissatisfaction as to how things have been handled and the lack of attention. I would also express that if you don...

Property & Casualty Insurance: Water/Ice damage/Adjuster refusal, insurance claim help
insurance claim help: I m sorry, I do not know of any PA s in your area (or attorneys). I have heard of PA s having issues with taking on small claims, however your agent works for your best interest and will try to keep a happy customer. Have you had a chance to contact your...

Property & Casualty Insurance: aboveground pool, swimming pool, pool
swimming pool, pool, claim help: Mary, I would suggest that you call your insurance agent and ask for a copy of your declarations page and policy. I don t know the cause of your loss (peril) and I m not sure if a peril is necessary for there to be coverage in your case. Usually, there...

Property & Casualty Insurance: asbestos coverage, asbestos removal, homeowners policies
asbestos removal, homeowners policies, homeowners policy: Hi Tina, A traditional homeowners policy does not provide coverage for asbestos removal. Put simply, homeowners policies cover losses due to sudden and unforeseen events that cause damage. The discovery of asbestos in your home does not meet that definition....

Property & Casualty Insurance: Should a condo board NOT file a claim?, property management company, condominium associations
property management company, condominium associations, condo board: Dear Anonymous, Since you have not identified the Jurisdiction, in which this incident occurred, I will speak to your question, from the Rules, Regulations, Statutes, Case Law, etc. in Maryland. The first issue would be is what caused the leak, from...

Property & Casualty Insurance: condo water leak liability, condo documents, definitive conclusion
condo documents, definitive conclusion, interior damage: Cynthia, I can see from the first page of the policy declarations that a coverage title condominium unit coverage . I would say that it provides coverage for certain property inside the unit. Unfortunately, without seeing the entire policy I cannot be...

Property & Casualty Insurance: follow up on claim settlement, clam shell, stress cracks
clam shell, stress cracks, moving in the right direction: AC, I m glad things are moving in the right direction. All I can say is it s about time! Having one claim in 30 years should not prevent you from replacing coverage with another company. I don t know what State you re in but you should be able to find...

Property & Casualty Insurance: insurance, sony plasma tv, gold chains
sony plasma tv, gold chains, insurance contract: I am so sorry to hear of your loss and the subsequent disappointment with your insurance company s settlement. Your expectation and reality could have been aligned had you a better understanding of your Homeowners Insurance contract. The valuation of your...

Property & Casualty Insurance: Insurance company claims, insurance services office, insurance company claims
insurance services office, insurance company claims, insurance information institute: Hey Mark, There are two sources I would recommend that you start with. The first is the Insurance Information Institute (III). Their website is www.III.org. You may need to do some digging but you should find some info. The second place is the Insurance...

Property & Casualty Insurance: P&C Settlement, home remodeling company, loss settlement
home remodeling company, loss settlement, settlement check: Jimmy, The initial document prepared by the insurance company is just an estimate of the expected costs of the repairs based on the current prices and construction practices in the area. They do this so that you can get funds in hand to start the repairs...

Property & Casualty Insurance: public libillityon comercial property., hcri, information llc
hcri, information llc, additional insured: John, At the very least, you should be listed as an ADDITIONAL INSURED under the tenants policy. Even that would protect you only up to the limits of their policy and that might not be enough if someone comes after you as well. I would suggest you talk...

Property & Casualty Insurance: replacement from house fire, separate entities, replacement coverage
separate entities, replacement coverage, insurance adjuster: Ed, Let me start out by saying that the insurance company, the contractor, and yourself are all separate entities each with your own ideas of a successful outcome. Your best outcome is not good for the other 2, and each of there best outcomes in not best...

Property & Casualty Insurance: roof leak townhouse, interior carpeting, association bylaws
interior carpeting, association bylaws, plumbing fixtures: Dorothy; Unfortunately your HOA won t pay your deductible. It may seem unfair but I have never heard of an instance where the HOA covers a unit owners deductible. The reason being, you have a $1000 deductible, your choice, but what if your neighbor has...

Property & Casualty Insurance: roof leak townhouse, roof leak, insurance policy
roof leak, insurance policy, townhouse: Dorothy, You re not bothering me at all! I sent an email earlier answering this question. Perhaps you didn t get it for some reason but the bottom line is this, NO. It s your insurance policy, your deductible, your responsibility. I know that s not the...

Property & Casualty Insurance: settling the claim, party liability coverage, physical damage coverage
party liability coverage, physical damage coverage, third party liability: Hi A.C., I m sorry you are continuing to have problems with this situation. First, your agent needs to get a claims supervisor involved in this process. While garagekeepers coverage looks similar to auto physical damage coverage, it is really third...

Property & Casualty Insurance: Unused Settlement Funds, home remodeling company, insurance proceeds
home remodeling company, insurance proceeds, insurance job: Jimmy, Technically, no you can t use extra money on an insurance job for extra s. In reality though this kind of thing happens all the time. From your point of view, you want to show all the money went to complete the repairs the insurance company paid...

Property & Casualty Insurance: Vandalism, merriam webster dictionary, malicious mischief
merriam webster dictionary, malicious mischief, malicious destruction: Hi Bob, From what I can tell, your policy listed the various perils you were covered for. Theft was not listed, so therefore it is not a covered peril. The theft peril includes damage associated with the theft. On the other hand, if you had a policy...

Property & Casualty Insurance: Vendor's car damaged at our home, sole proprietor, risk risk
sole proprietor, risk risk, risk transfer: Hi Cindy, Sorry to hear about your troubles. Your question is one of whether you are negligent, and what rights are due someone who enters your property. My area of expert is insurance - the identification and treatment of risk, risk transfer, and financing...

Property & Casualty Insurance: XCU Insurance, liability policy, local department
liability policy, local department, commercial general liability: Hi Kelly, Typically, a standard General Liability policy automatically includes the XCU coverage. Many years ago (prior to 1986) this was a standard exclusion in the GL policy. Unfortunately, many building departments across the country still have this...

Property & Casualty Insurance: claim?, water stains, own insurance
water stains, own insurance, insurance laws: Good Afternoon Dan, Many times, you have up to one year to have the damage repaired after you submit a claim. In Texas, it usually is as simple as an adjuster coming out, cutting you a check (minus your deductible), then the insured negotiates a price...

Property & Casualty Insurance: condo water leak, civil liability protection, common interest development
civil liability protection, common interest development, injury situation: Hi Cynthia, I ll preface this with the disclaimer that I m not an attorney so this is an unqualified opinion. As I read this, I think more of a civil liability claim related to a slip and fall or some other form of bodily injury situation. In other...

Property & Casualty Insurance: Homeowner's Insurance Quote, physical damages, property damages
physical damages, property damages, hcri: Detrick, You may want to retain an attorney in this matter and pursue bad faith charges against the carrier and agent. The issue of the DUI has nothing to do with the property damages to the home and should not have been used as a basis for denial as...

Property & Casualty Insurance: P& C NY State Exam, professional insurance agents, casualty underwriter
professional insurance agents, casualty underwriter, left hand corner: Ramona; In that case, if I were you, I d contact the PIA. I know you re not taking the agent s exam but there are plenty of brokers/wholesalers that are also members of the PIA and if anyone would know of a tutoring site or practice exam or something like...

Property & Casualty Insurance: Revenue Shortfall Insurance, revenue shortfall, business interruption
revenue shortfall, business interruption, business risk: Hi Dawn, I am not aware of any insurer writing Revenue Shortfall when it is a result of business risk. The closest coverage I am aware of is Business Interruption which provides coverage for loss of income when your premises have been damaged by an insured...

Property & Casualty Insurance: Storm damage, flood policy, flood damage
flood policy, flood damage, foundation damage: Craig, I am sorry to hear of your loss. I know that many people are in the same position as you are and have the same question. One thing to keep in mind ... it is not a situation where an adjuster will call it flood damage and not pay the claim ....

Property & Casualty Insurance: bathroom leak, neighbor downstairs, condo board
neighbor downstairs, condo board, water stain: Carol, I m sorry to hear about your issue. I m going to answer your question based on FL law even though you did not indicate where you are located. You are correct, the unit owner below you needs to file a claim with her company AND she needs to allow...

Property & Casualty Insurance: CCC exclusion under Business Auto policy., volunteer fire department, auto insurance carrier
volunteer fire department, auto insurance carrier, ambulance company: Kim; Sorry for the delayed response but I reached out to a few underwriters trying to find a solution for you and they all recommended a Legal Liability Property Policy with Special Form. They recommended the following forms; CP 00 40 06 07 Leagal Liability...

Property & Casualty Insurance: comp or coll claim?, comp claim, hi tim
comp claim, hi tim, vandalism: Hi Tim, Anything other than overturn or collision with another object would be considered a comp claim. Most companies consider the road an object so more than likely it would be a collision claim. Suspected vandalism could change it to a comp claim, but...

Property & Casualty Insurance: condo water damage from unit above, air conditioner condenser, ceiling light fixture
air conditioner condenser, ceiling light fixture, hot water heater: Hi Mary, I apologize for the delay in responding. It sounds like you re in quite a dilemma! Whether or not a claim is under the insurance deductible does not change the wording in the Condo Docs (a legal contract) which govern who s responsible for...

Property & Casualty Insurance: Scheduled Personal Property - Replacement vs Agreed Value
Property & Casualty Insurance: Scheduled Personal Property - Replacement vs Agreed Value

Property & Casualty Insurance: Homeowner's Ins. claims, insurer, pitfalls
insurer, pitfalls, hail: Hi Joe, That is standard that the carrier handle the claim that way. As far as what you do with the money is between you and God as you understand Him. If you fail to fix the roof, they will deny any future claims to that roof, so be prepared for that,...

Property & Casualty Insurance: Homeowner's insurance, pocket expense, acv
pocket expense, acv, cost insurance: Hi Joe, It is the purpose of insurance to put the insured back to the position they were in just prior to the loss. So let s say your home is damaged by hail. If you do not choose to make repairs, then your financial loss consists of the drop in value...

Property & Casualty Insurance: Injuries from fallen tree, property owners insurance, owners insurance company
property owners insurance, owners insurance company, definition of negligence: Hi Maria, I m sorry to hear about your accident and your injuries. I wish you and your husband a speedy recovery. Your question really is more legal related than it is insurance related. That being said, I ll give you some input but will preface it...

Property & Casualty Insurance: Items damaged by professional mover - valuation of items?, insurance claim
insurance claim: Pamela, The databases to which you refer to will likely come from a computer program called Xactimate, although there are several estimating programs which can be used as well as internet search engines. To the best of my knowledge, none of the estimating...

Property & Casualty Insurance: Scheduled Personal Property - Replacement vs Agreed Value, independent insurance agency, value question
independent insurance agency, value question, question thanks: Hi Shelly, There is an Agreed Value endorsement that changes the policy from Stated Value to Agreed Value . From the Travelers Agreed Value form: For a loss to a scheduled item, we will pay the amount shown in the schedule for that item. That...

Property & Casualty Insurance: Taking the State Exam., stacy stacy, insurance dept
stacy stacy, insurance dept, property casualty: Stacy; Unfortunately the rules for taking the exam differ from state to state so I won t be able to answer your question. Chances are, however, you can find the answer on your state s Insurance Dept. website. My guess is, if your state requires a class...

Property & Casualty Insurance: Work related accident causing property damage/no injuries, route one, legal question
route one, legal question, pocket expenses: Molly, This is really a legal question - not an insurance issue per se. However, I really doubt that his employer will take him to court over this. First, it sends the wrong message to the rest of the employees and, second, the employer s insurance will...

Property & Casualty Insurance: Black Mold: No Fault Of Own, traverse city michigan, black mold
traverse city michigan, black mold, carpet replacement: Anthony, Sorry to hear about the mess you have on your hands! This sounds like a major problem and unfortunately, there isn t an easy and clear-cut answer. First off, condominium ownership creates a unique circumstance with regards to what you actually...

Property & Casualty Insurance: Hiring Handyman, time situation, state of ct
time situation, state of ct, case thanks: Dear Robert, Sorry for the delayed response. I was out of town and forgot to set my away message. Hope you understand! To answer your question, I always tell a client to only hire a Licensed workman who has his own liability insurance. As for Workers...

Property & Casualty Insurance: Life + P&C, captive life, captive agent
captive life, captive agent, health agent: Lance, Hi, Certainally read your contract to find out what you agreed to. Captive Probably refers to products that the company currently offers, life and health. If you will be able to offer P&C, make certain that you get your own E&O to cover...

Property & Casualty Insurance: Lost Jewelry, diamond earring, sworn statement
diamond earring, sworn statement, wedding ring: Hi Dave, Sorry to hear about the loss... Honest and forthcoming is always best. You should have no problem with this claim. They will not make you wait a certain time, and if you have the earring specifically scheduled, then losing it is a covered claim....

Property & Casualty Insurance: 100% coinsurance vs 80% coinsurance, apples to apples, loss settlement
apples to apples, loss settlement, coinsurance: Hi Donna, Apologies if this answer comes late...I never was notified I had a question pending! OK, here we go: 1. The RCV SHOULD be determined by the insured and carrier at the beginning of the policy, but under all circumstances it will come under...

Property & Casualty Insurance: floor depreciation in claim, concrete slab, repair estimates
concrete slab, repair estimates, vinyl tile: Lester, Knowing what I know about insurance company s and the adjusters that represent the carriers, what seems good on the surface is probably not good for you. To me it seems fair, but until the numbers come out you just don t know. It sounds as though...

Property & Casualty Insurance: Property Damage Liability, condo fire, common area damage
condo fire, common area damage: Carolina: I m sorry to hear about this fire. Based on where the fire happened, I don t think there will be any coverage offered by your insurance company for the damages. Normally, insurance coverage for condos ends at the interior drywall. Coverage...

Property & Casualty Insurance: Resident Relative, denial letter, policy language
denial letter, policy language, insurance policy: Hello Tony, I am very sorry for your loss and the challenges your family is facing with the insurance company. I am all to familiar with these scenarios. In respect to your father s coverage, I will need more information. Primarily specific policy language...

Property & Casualty Insurance: Segments of Property Management Insurance, medium size business, financial soundness
medium size business, financial soundness, new business opportunities: Hey Glen, That s a pretty granular look at segmenting the property manager market. I can tell by your information that you are a very deep thinking and I both applaud it and envy it. Here s something you might want to consider. There is a very small...

Property & Casualty Insurance: Who's estimate used for water damage?, pallet loads, bathtub drain
pallet loads, bathtub drain, townhouse condo: Richard, Don t misunderstand me this is outside my expertise, other than to say flooring is not a contents item, it is part of the leasehold improvement in your case the associations policy would definitely not cover flooring in your unit or anyone else...

Property & Casualty Insurance: garage owner, hcri, garage owner
hcri, garage owner, cpiu: Steve, While on its face, it would appear that this was a clear situation specifically addressed within a liability policy, that may not be case because there were autos involved. Most liability policies exclude damage during the operation of a vehicle...

Property & Casualty Insurance: Homeowner's premium raised mid year, dwelling coverage, lakeland fl
dwelling coverage, lakeland fl, homeowner insurance: Hi Linda, Apologies for the delay in answering your question. Apparently, it did not come through to me when you first sent it. Anything your carrier can or can t do is within your insurance policy, as that is a binding contract. If you send a complete...

Property & Casualty Insurance: Property insurance, personal property claims, hurricane wilma
personal property claims, hurricane wilma, property losses: Michel, Thanks for your question. I m sorry to hear about Deidre s misfortune. Typically, property losses have a 3-5 year limitation (that varies by state). Since the initial claim was filed, it s possible that the claim can be reopened and supplemental...

Property & Casualty Insurance: roof leak, plaster wall, roof leak
plaster wall, roof leak, fact cause: Elizabeth, First, my apologies for the late response. I had a family emergency and have not been on my computer much in over a week. As for your claim, unfortunately I can t give you a definitive answer and here s why. It s not entirely clear if the...

Property & Casualty Insurance: hardwood flooring, carpet tile, appraisal clause
carpet tile, appraisal clause, base cabinets: Connie, Please accept my sincerest apology. I must have accidentally deleted my notification that I had a pending question. Normally I am very prompt with my responses. This is a very common problem when it comes to certain types of repairs. Roofs,...

Property & Casualty Insurance: Mold coverage for A/C air handler, air handler, proximate cause
air handler, proximate cause, water loss: Marlin, Thanks for the additional information. Typically, the limitation for mold in the policy is for cleanup and removal. Some companies do include damage caused by mold in that limitation. This is one of those times where I think there is a difference....

Property & Casualty Insurance: Personal Vehicle used for work, members cars, personal vehicle
members cars, personal vehicle, employment contract: Hi Nancy, Sorry to hear about all the trouble at this site. I would like to qualify my answer by saying this is a question for an attorney, as you are not asking about insurance coverage so much as you are asking who is responsible. You mentioned you...

Property & Casualty Insurance: water damage, wood flooring, coverage c
wood flooring, coverage c, content coverage: Jay: Once the wood flooring was installed or attached to your home, it became part of your structure (Coverage A). Had the wood flooring still been in boxes and not installed yet, it would ve been considered a content (Coverage C). Hope this information...

Property & Casualty Insurance: water damage, escrow account, mortgage holder
escrow account, mortgage holder, wood flooring: Hello Jay, Sorry to hear about your water damage. Flooring is considered structural. The wood flooring is still attached to the concrete. Personal property or content are items which are not attached to the structure. Like curtains, area rugs,...

Property & Casualty Insurance: 4,000+ Sq Ft of HW Floors = $3000???, open floorplan, impressive pedigree
open floorplan, impressive pedigree, endless rain: Rachel, In all likelihood, the adjusters used an estimating platform called Xactimate(r). This is an estimating system that is used both by insurance carriers and contractors around the country. The prices are actually representative of the actual market...

Property & Casualty Insurance: CGL - Employment Related Practices Exclusion, supermarket employees, employee manuals
supermarket employees, employee manuals, would like your opinion: Norma, The key issue in determining if this was an act that truly meets the definition of employment-related practice is whether it really was a company practice. Was the practice of pooling tips part of the established company guidelines and covered...

Property & Casualty Insurance: commissions., salary split, email sounds
salary split, email sounds, broker business: Hey Beat, Thanks for your email. Sounds like a Nationwide agent to me! They re pretty much the only exclusive agent company that lets their agents broker business that they don t or won t write. Personally, I think the salary/split moving to the full...

Property & Casualty Insurance: Mold in Condo, water intrusion, public adjuster
Property & Casualty Insurance: Mold in Condo, water intrusion, public adjuster, roover

Property & Casualty Insurance: "sewer backup", plumbing system, public adjuster
Property & Casualty Insurance: "sewer backup", plumbing system, public adjuster, definite answer

Property & Casualty Insurance: Home Insurance/Half Interest, local realtor, company signs
local realtor, company signs, vacant properties: Hi, Stephanie, Your question seems to have several parts: 1. If the property is unoccupied now, contact a company that specializes in insuring vacant properties in the state in which the property is located. (google search) 2. Sometimes installing...

Property & Casualty Insurance: Homeowner's Ins. deductible check, best guess, slow response
best guess, slow response, electronic access: Hey Julian, I apologize for the slow response. I ve been out without electronic access, It could be possible that your insurance company had deducted the $1,000 before they gave you the final settlement. However, it could also be an oversight on their...

Property & Casualty Insurance: Homeowners Insurance: property, immediate family member, homeowners policy
immediate family member, homeowners policy, insurance property: Hello Ashley, First let me say I m sorry to hear of your damaged vehicle. A claim is never any fun for anyone involved. Also, please keep in mind I am a Texas agent and I noticed you are not in Texas so the rules may vary by state. In fact, in Texas...

Property & Casualty Insurance: Mold in Condo, condo, condo association
condo, condo association, hoa: Allan, Based on details that you ve shared with me, I don t think there s any chance that the insurance company will pay on this claim at this point. You have to determine the cause of loss, which would then point you in the direction for who would pay...

Property & Casualty Insurance: Receiving money owed from a business lost to fire, coal business, public adjuster
coal business, public adjuster, biodiesel: Jennifer, I m sorry that you weren t paid, however your situation doesn t describe an insurance matter. In my opinion, your only recourse would be to start a lawsuit against the person that owes you the money. Sincerely, Dominick Belinchak Public...

Property & Casualty Insurance: "sewer backup", upstairs units, excessive rain
upstairs units, excessive rain, plumbing system: Hey Frank, The typical industry standard policies for unit owners and the association cover water that backs up from sewers or drains. There is nothing that limits coverage to off premises situations or to just excessive rain. That being said, some companies...

Property & Casualty Insurance: shop owners responsibility, night b4, garage owner
night b4, garage owner, car damage: Hi Charles, Sorry to hear about the car damage. The garage owner is responsible if they are negligent in some way. Did they leave your car on the street parked illegally? Then they are responsible. Did they park the car safely on their own property?...

Property & Casualty Insurance: Earth movement insurance, booms, settling home
booms, settling home: Samantha, The booms that you re feeling have made National news. As I write this response, the mystery of what is causing these booms hasn t been solved. Apparently, many residents have fled the area. To answer your question, with most insurance...

Property & Casualty Insurance: insurance?, flood zones, flood zone
Property & Casualty Insurance: insurance?, flood zones, flood zone, high risk

Property & Casualty Insurance: flood, water seepage, flood zone
water seepage, flood zone, flood insurance: Hard question to answer - there s few triggers to flood insurance, so when you re not in a flood zone - all is means is that you re less likely to have a flood, but it s not impossible. Flood doesn t necessarily mean coastal flooding it can also mean water...

Property & Casualty Insurance: flood insurance, world flood, flood type
world flood, flood type, flood policy: Lisa, Over 60% the property that floods every year is not actually in a designated flood zone. (My home here in Houston backs up to a bayou extension drainage canal but I am NOT in a designated flood zone.) The fact that you don t live in a designated...

Property & Casualty Insurance: Floor support, written correspondence, structural engineer
written correspondence, structural engineer, burden of proof: Hello Mr. Allan, I sympathize with your situation. First of all, a handyman is in no position to give a professional opinion regarding something that only a structural engineer is qualified to give. The association needs to file a claim with their...

Property & Casualty Insurance: Garagekeepers Legal Liability Ins, houston livestock show and rodeo, houston livestock show
houston livestock show and rodeo, houston livestock show, livestock show and rodeo: Hi Laurie, Your from Houston. That s my home town! I don t visit much these days though, the traffic is crazy..ha! I do miss James Coney Island and the Houston livestock Show and Rodeo though.... Anyway, thank you for your question. In my opinion,...

Property & Casualty Insurance: Handyman services for HOA - NC, workman compensation insurance, professional management service
workman compensation insurance, professional management service, handyman services: Everett; Just so you know, Negligence has no meaning here. In the example you gave, it s just an accident, they happen, that s exactly what Workers Compensation is designed to cover. And yes, you re interpreting it correctly because let s say you hire a...

Property & Casualty Insurance: insurance, flood policy, flood zone
flood policy, flood zone, flood insurance: Lisa, Are you near any of the lakes or the Trinity River? Have you witnessed flooding in your area? Have you asked your neighbors if they have ever experienced flooding in the neighborhood? How efficient is the drainage in the neighborhood? ...

Property & Casualty Insurance: insurance?, flood hazard area, flood insurance
flood hazard area, flood insurance, flood zone: Hi Lisa, The best way to determine the answer is to ask you local insurance agent if you are in a Special Flood Hazard Area (SFHA). You definitely need it if you are in the SFHA, and may not if you are not. I can do this for you also, i would just...

Property & Casualty Insurance: Insurance/Post, flood zone, flood insurance
flood zone, flood insurance, sewers: Everyone lives in a flood zone, maybe not in the parameters of the State, but anyone could experience surface water due to backed up main sewers, creek, collapsed pool, etc.. Flood is not covered under a home policy, so if you want it, you ll need to purchase...

Property & Casualty Insurance: live in Dallas, flood insurance
flood insurance: Lisa, Flood insurance is not required in your case. It s normally purchased by those within a flood zone and those with a mortgage on their home/business. Although not required, flood insurance is nice to have if there were to be a flood, especially since...

Property & Casualty Insurance: need, flood program, flood zone
flood program, flood zone, national flood: If your home is not located near water, it shouldn t be an issue. The grading around a home should be angled away from the property to move rain water away from the property. Other than that contact FEMA, which administers National Flood program, to check...

Property & Casualty Insurance: need flood, hurricane irene, tropical storm lee
hurricane irene, tropical storm lee, flood zone: Lisa; Floods can happen any time, anywhere. Whether or not you live in a flood zone really doesn t matter. Of course, those that DO live in a flood zone have to have Flood Insurance or they can t get a mortgage, etc... When you don t live in a flood zone,...

Property & Casualty Insurance: Neighbours negligence, long term relationship, fire brigades
long term relationship, fire brigades, small claims court: Sean, Generally, your insurance company should take basic steps to investigate any potential negligence in order to protect your interests. In this situation, they may think that the cost of the investigation just doesn t warrant that if your actual damages...

Property & Casualty Insurance: property damage due to water damage, flood policy, condominium unit
flood policy, condominium unit, condominium association: Janet; Just so you know, most water damage IS flood. You don t have to live on the coast or next to a lake etc... so keep that in mind going forward. I would definitely speak with an attorney because the bylaws may state that the association is not responsible...

Property & Casualty Insurance: Radon Covered in HO Policy?, insurance dept, homeowners policy
insurance dept, homeowners policy, state insurance: Insurance is a highly regulated product by each state, state insurance dept. You can quickly read your policy section that addresses what perils you are protected against . Radon no. This is the reason for a home inspection company before settlement. Your...

Property & Casualty Insurance: Having trouble finding coverage for property, surplus lines insurer, lloyds of london
surplus lines insurer, lloyds of london, local insurance: You will need to purchase coverage through and excess and surplus lines insurer which is not a company to which you re likely to access through an Allstate, State Farm or other captive local neighborhood insurance agency. You may want to check with an independent...

Property & Casualty Insurance: TX, flood insurance
flood insurance: Hello Lisa, I m sorry for the delayed response. I ve been out of the office for a while. Do you need flood insurance? Thats a great question. The only time one needs flood insurance is when the mortgage company requires you to have it. Should you carry...

Property & Casualty Insurance: 50% of loss, roof damage, roof claim
roof damage, roof claim: I would recommend hiring a public adjuster to give you a free consultation. I m unable to determine coverage without an on site inspection. You may have a hip roof which is visible from the road on 3 sides, or you may have a gable roof visible from only...

Property & Casualty Insurance: Commercial Auto Policy, commercial auto policy, lease agreement
commercial auto policy, lease agreement, endorsements: Absolutely. I would add the Additional Insured – Lessor for the two employees to be sure their interests are covered. Just as employees, there could be situations that would not cover them as owner’s of the vehicles. More coverage is always better than no...

Property & Casualty Insurance: Public Adjuster & Insurance Adjuster, lowry, coo
Property & Casualty Insurance: Public Adjuster & Insurance Adjuster, lowry, coo, metro

Property & Casualty Insurance: HO 15 do I need it?, homeowners policy, endorsement
homeowners policy, endorsement: Answer HO-15 is an endorsement that can be attached to home owner s policy form HO-3. It provides the broadest form of protection to your home but can be very expensive. This offers more protection than the HO-5 policy form. It s subjective if you wish...

Property & Casualty Insurance: Ice dam damage, would like your opinion, ice dams
would like your opinion, ice dams, homeowner policies: Susan, I am sorry to hear about your problem. Generally, the adjuster was right with certain points in his analysis, however there are other considerations that have to be taken into account. Rot is universally excluded under virtually all homeowner...

Property & Casualty Insurance: leak, finished surfaces, hcri
finished surfaces, hcri, cpiu: Leda, Probably need a little more information before a definitive reply can be made. Did the renter have their own insurance policy? I am guessing that this is a condo as you referenced association s insurance , correct? Regardless of liability at...

Property & Casualty Insurance: Leak from condo above me caused water damage to my Fl Condo, hallway floor, sizeable portion
hallway floor, sizeable portion, drain pan: Hi Jarrett, I apologize for my slow response. I was out of town on some personal business and did not have my laptop or iPad to respond. First of all, let me say that the HOA is incorrect. FL Condo Statutes do not care where the damaged started or...

Property & Casualty Insurance: Property/casualty for building that is not business, professional insurance agents, independent insurance agent
professional insurance agents, independent insurance agent, professional independent insurance: Hi Michelle, I could swear I answered this question already....but that s OK! Your homeowners policy covers your contents anywhere in the world, except at other residences you own, rent, or occupy. I am guessing this is not a residence , so the homeowners...

Property & Casualty Insurance: Public Adjuster & Insurance Adjuster, roof claim, leaking roof
roof claim, leaking roof, roof damage: Obviously water is coming into your home and it needs to be stopped immediately, even if on a temporary basis (tarp, tar, new flashing, new shingles to replace any damaged ones, etc.). I ve seen it where step flashing is used around fireplaces, however it...

Property & Casualty Insurance: Residential construction, public liability insurance, one million dollars
public liability insurance, one million dollars, risk policy: Hey Bradley, Congratulations on your new home here in Florida. The first thing you need to consider is the liability exposure. I recommend contacting the agent that insures your home in CA. Many companies will allow you to extend liability from your...

Property & Casualty Insurance: Water damage depreciation, current insurance company, electrical plumbing
current insurance company, electrical plumbing, standard insurance: Water damage depreciation, depreciation of claim is not odd. Questions as to how the home insurance was applied for. Generally speaking insurance companies do not accept properties in disrepair, It would be like a claim waiting to happen. As the same...

Property & Casualty Insurance: 80% coinsurance vs 100% coinsurance, coinsurance clause, insurance coverage
coinsurance clause, insurance coverage, insurance: Hi Laura, What you have relayed to me is definitely not accurate. Coinsurance is a clause that is put into policies so policy holders will insure to some percentage of the value of their insured item (in your case, the building) Here is THE Coinsurance...

Property & Casualty Insurance: Additional Insured, risk management department, property management firm
risk management department, property management firm, property management company: Hi Elisa, The typical liability policy that the property owner carries includes property managers as insureds in the policy language. That makes the property owner s policy primary for the property manager when a claim arises out of that particular property....

Property & Casualty Insurance: Auto Accident Pain and Suffering, school bus driver, economic damages
school bus driver, economic damages, ordanance: Hi Charles, I m very sorry to hear about your wife s accident. While I m not completely familiar with NM Workers Compensation law, most states are similar in the way they treat work-related injuries. WC is typically primary for medical and lost wage...

Property & Casualty Insurance: car hail damage, hail damage, old damage
hail damage, old damage, multiple claims: Hello Rey, This is a great question and I m glad you asked. If you have any further damages to your car before it is repaired, it is treated as a new claim but the old existing damages are not considered again since a claim on that damage has already...

Property & Casualty Insurance: Commercial Insurance Denied, lease states, hail storm
lease states, hail storm, auto repair shop: Kathy; If your lease specifically states that your landlord is responsible for repair and maintenance of the roof then it would seem to me that your landlord doesn t have a leg to stand on. He should have had insurance on the building regardless. The fact...

Property & Casualty Insurance: Condo plumbing, plumbing pipes, plumbing question
plumbing pipes, plumbing question, hcri: Gilbert, The condo by-laws dictate everything involved in both questions. Read those carefully to find out if it states anything about responsibility to pay service charges by individual owners, otherwise it should rest with them. In all likelihood,...

Property & Casualty Insurance: Fire sprinkler Leak, fire suppression system, fire sprinkler system
fire suppression system, fire sprinkler system, mold remediation: Hi John, I m sorry to hear that you re having this problem. The first suggestion I have is that your condo Board of Directors fire this management company and find one that actually knows something about managing condos! This is the most ridiculous...

Property & Casualty Insurance: General liability insurance in Florida, auto owners insurance, auto owners insurance company
auto owners insurance, auto owners insurance company, owners insurance company: Hey Bradley, Thanks so much your kind words about my response. I understand exactly what you re looking for, however, some agents just don t get it. The other obstacle you have to overcome is that there isn t much in it from a revenue standpoint for...

Property & Casualty Insurance: insurance rates, woodstove, insurance rates
woodstove, insurance rates, health problems: Your rates may not necessarily go up if the house sits vacant, rather, you may lose some coverage. You might want to speak directly to your agent as to what might be best given the specifics of your policy. If you do decide to rent out your home, it s always...

Property & Casualty Insurance: Owner/Contractor Liability, hold harmless agreement, debate issue
hold harmless agreement, debate issue, certificate of insurance: Jeff; I completely appreciate your responsible approach to the situation. Most people, even business owners/contractors, may think of this scenario but not do anything about it. First, you re right, the chances are rare. Secondly, in the example you ve...

Property & Casualty Insurance: total loss house fire, componet, antique store
componet, antique store, retail prices: Susan, The key to a successful outcome on the personal property portion of your claim is dependant upon 2 components. The first being extremely detailed on your inventory. Include everything, if it takes you an extra 30 days to get it right, take the extra...

Property & Casualty Insurance: Car vandalism on private property, car vandalism, auto insurance policy
car vandalism, auto insurance policy, carport: Hi Alisha, I am sorry to hear about the damage to your car and the theft of your bible. You certainly have the right to ask the complex to pay for the damage - but you should also check your auto insurance policy - there may be -0- deductible for this...

Property & Casualty Insurance: Care Custody & Control under CGL, luck jim, care custody
luck jim, care custody, rear edge: Joan, This is not my area of expertise. Damage to property such as buildings or houses is what I handle, car insurance is totally different. I feel though I know the answer because my car was damaged in a parking lot while I was in a store, My deductible...

Property & Casualty Insurance: Condo Damage due to flood, water situation, water heater
water situation, water heater, short answer: Hi Lourdes, I m sorry to hear about your water situation. In your situation, you will actually have three parties involved...you, the unit owner below you, and the association. Sudden and accidental leaks are usually unpredictable. As such, under...

Property & Casualty Insurance: Coverage for property with one company, coverage for liabilty with another company, property, liability
property, liability, damage: If I m understanding this correctly - you have one policy providing property damage coverage on a vehicle you own, and another policy providing liability protection (which is third party coverage for others, not you). Unless I m misunderstanding, and assuming...

Property & Casualty Insurance: Online vs. In Class, catadjuster org, professional standpoint
catadjuster org, professional standpoint, hcri: Nichole, If you are talking about the actual adjuster licensing courses, then classroom is much better from a professional standpoint. You have the interaction with the instructor and are able to participate in actual discussions. You also might want to...

Property & Casualty Insurance: pool liner damage, pool guy, pool company
pool guy, pool company, ceramic tiles: Terry, Your job in dealing with the adjuster will be to get a new liner, their are a couple of ways to impress upon the adjuster why this is necessary and it makes the most sense from his standpoint as well as your own. The cost associated with patching...

Property & Casualty Insurance: becoming an independent agent, business succession plan, independent agent
business succession plan, independent agent, fourteen years: Hi Andrea, Wow, exciting. I could fill a volume with advice, but here are my two best suggestions. Hook up with a real good agency consultant of whom you can ask advice, and then try to do one of two things - buy an agency with whose size, reputation,...

Property & Casualty Insurance: Car damaged at work parkinglot, insurance claim, auto claim
insurance claim, auto claim: Melissa: I m so sorry to hear what you re going through with the car going over a chunk of cement with rebar sticking up. Although your question is somewhat outside of my expertise, I feel I can somewhat guide you. The first thing you want to do is take...

Property & Casualty Insurance: Deceased Parents Homeowners Policy - Texas, liability umbrella, direct descendant
liability umbrella, direct descendant, deceased parents: Randy, First of all, let me offer my condolences on the passing of your parents, especially in a back-to-back situation such as this. The quick and easy answer to this is to go with what the actual agent on the policy is telling you. Especially if he...

Property & Casualty Insurance: Car damaged at work parkinglot
Property & Casualty Insurance: Car damaged at work parkinglot

Property & Casualty Insurance: Garage Liability, personal auto policy, hey lou
personal auto policy, hey lou, garage liability: Hey Lou, Adding non-owned to the GL would work, however, do you really want to impair the GL limits and reduce the aggregate as a result of a non-owned auto claim? The BAC has no annual aggregate and really is the better way to cover the exposure. You...

Property & Casualty Insurance: in ground swimming pool, inground pool, terrible storm
inground pool, terrible storm, ground swimming pool: Hi Pat, Well the answer is Most Likely depending on the type of policy you have. The inground pool will considered and other structure, unless it attaches to the house, then it would be considered dwelling. Your deductible will apply, and depending...

Property & Casualty Insurance: Opt-Out Explanation from an Attorney, curtains drapes, condominium property
curtains drapes, condominium property, condominium associations: Hi Jean, I ll share Two philosophical statements I live by. The first one came from my mom...don t believe anything you hear and only half of what you see. The other is from a very good friend of mine who is an attorney...ask a question to 10 attorneys...

Property & Casualty Insurance: Was Opt-Out Vote Legal, sliding glass doors, status quo
sliding glass doors, status quo, condo association: Hi Jean, Thanks so much for forwarding this information. In fact...this is EXACTLY what I was saying. Subsection (k) of the Statute DOES NOT allow the Association to OPT OUT of the requirement to insure the property in question here. They still MUST,...

Property & Casualty Insurance: Rental Property Insurance for Primary Residence, rental property insurance, liability section
rental property insurance, liability section, tampa bay area: Hi Anne, Underwriting guidelines and policy forms are two different things. While the company might prefer that you not rent it out more than once that does not mean there would not be coverage. The policy form is the contract between you and the company....

Property & Casualty Insurance: Residential property owned by a corporation, family dwellings, liability exposure
family dwellings, liability exposure, liability policy: Hi Chin, The DP3 is commonly used to write single family dwellings for corporations and LLCs. Most companies don t have a problem doing this at all. Unfortunately they will not include liability coverage because it is equivalent to a comprehensive personal...

Property & Casualty Insurance: Wallboard repair cost below deductible, wallboard repair, mold infestation
wallboard repair, mold infestation, water loss: Hi Jean, If the cost of repairs is less than the unit owner s deductible or, if the unit owner does not have insurance at all, then the unit owner must pay out of their own pocket. Unfortunately, this could result in unrepaired damage, and in the case of...

Property & Casualty Insurance: water damage, dick dick, air locks
dick dick, air locks, black mold: Dick, Because this is a second home and not one you live in year-round, in all likelihood, the policy in place is a dwelling policy of some sorts with severe restrictions on coverage. If you look at your declarations page, there should be a line that...

Property & Casualty Insurance: water damage, dick dick, policy language
dick dick, policy language, arizona water: Dick, The insurance company must show proof of mailing if an endorsement was added to change coverage. You should ask for a copy of all endorsements issued since the inception of the policy 11 years ago, along with evidence of mailing - at the least, get...

Property & Casualty Insurance: Water Damage to Uninsured Condo (below), money value, condo unit
money value, condo unit, condo association: J, The party liable is the landlord of the apartment above yours. I would get a contractor to come in a give you an estimate for all the damage to the building, with the contents make a list of items that were damaged and put a replacement cost price of...

Property & Casualty Insurance: Bad faith with insurance company, hotel invoices, stress and duress
hotel invoices, stress and duress, financial stress: Tyler, Sorry for the experience you have had to endure. The adjuster could definitely pay a lump sum provided the data to support the lump sum justifies the number requested. So the answer to your first question is no, it s not true. Unfortunately you are...

Property & Casualty Insurance: Ceiling Water Damage, other kitchen appliances, home owners insurance
other kitchen appliances, home owners insurance, condominium unit: Dane, I m sorry to hear about your issues. I hope I can give you some ammunition. First of all, I would like to compliment you on your understanding of FS718.111(11). Your analysis is correct. I think the association is misunderstanding its role in...

Property & Casualty Insurance: condo water damage expense, carpet padding, wall cavity
carpet padding, wall cavity, paint water: Hey Jim, The association should pay for the tear out, drying of the wall cavity, and the replacement of the trim and drywall including the disposal. FL Statute only makes the other unit owner responsible for the damage to your unit if their negligence caused...

Property & Casualty Insurance: dwelling extension, loss occured, lawn tractors
loss occured, lawn tractors, insurance companys: Hi Greg, Here s how I see it. You and your agent are correct that if you are using the mobile home for business purposes, than it will not be covered. However, your homeowners policy MAY cover some of the tools and machines you use in your business. Every...

Property & Casualty Insurance: FLOOD CARPET FRAYED, state insurance department, insurance agent
state insurance department, insurance agent, elaine: Elaine, I would agree with you. Let the adjuster know this is not acceptable. If necessary, you should speak with a claims manager. You also need to get help from your insurance agent. He/she should be advocating on your behalf with the company. Ultimately,...

Property & Casualty Insurance: Help Needed, insurance question, insurance experts
insurance question, insurance experts, cliam: Filip; I m sorry but the information you read was not my claim, it was a question posed to insurance experts on this site. The person who asked the question, to my knowledge, never gave an update or result so I have no idea how the claim was resolved. I...

Property & Casualty Insurance: Insurance franchises, franchise arrangement, franchise concepts
franchise arrangement, franchise concepts, franchise operation: Gerry, My hat s off to you. This is a great business and if you do it right it can be very good to you. Finding the right people will be key for you. There are a couple sources. When I was on the agency and association sides of the business, I just...

Property & Casualty Insurance: Not made whole - bad faith, cpcu designation, willful disregard
cpcu designation, willful disregard, stop gap: Peter, Hard to provide a rock solid answer without a lot more information. I am happy to help - but I would need a complete copy of your policy, and a complete description of the calculations used to come up with the amounts paid to you(this usually accompanies...

Property & Casualty Insurance: Water damage inside my condo unit, condo unit, florida statute
condo unit, florida statute, water loss: Hi Sam, I m sorry to hear about your damage. Florida Statute does not differentiate coverage based on the circumstances of the loss other than losses caused by another unit owner s negligence. In this case, you will be responsible for the damage to...

Property & Casualty Insurance: Home owners non renewal pickle, home owners insurance, straight info
home owners insurance, straight info, kilz: Hi William, Please call your state division of insurance, they will have resources and links to the fair plans for your state. Also, contact your local state independent agent chapter, and someone there can refer you to a local professional, preferrably...

Property & Casualty Insurance: Homeowners insurance, homeowners policy, homeowners insurance
homeowners policy, homeowners insurance, personal property: Hey Nathan, The primary difference between the two forms is the coverage for personal property. The HO-3 covers the buildings on an open perils basis, meaning unless a peril is specifically excluded, coverage exists. Meanwhile the coverage on the personal...

Property & Casualty Insurance: homeowners insurance, risk coverage, homeowners policy
risk coverage, homeowners policy, homeowners insurance: Hi Nathan, You would need to read the particular carriers coverage outline, but MOST of the time, again read the policy, it means you have All RISK Coverage for both Coverage A and C, along with enhanced limits in additional coverages. Thanks, Harold...

Property & Casualty Insurance: Homeowners Insurance/Inherited property, surplus lines carriers, lloyds of london
surplus lines carriers, lloyds of london, state department of insurance: Shannon, There are independent agents who represent what are known as surplus lines carriers who would be able to place the policy for you. These surplus lines carriers are usually better know as Lloyds of London companies. Many the commercial policies...

Property & Casualty Insurance: insurance, condo coverage
condo coverage: Hello Gail, Thank you so much for your question. First let me note, I am a licensed agent in the state of Texas. I am not familiar with the insurance laws and regs in your state. That said, I feel like the association needs to cover its assets on its...

Property & Casualty Insurance: property and casualty, property and casualty, insurance investigation
property and casualty, insurance investigation, litigation support: Bob, as you know, most people in the insurance industry never planned to be so it s refreshing to find someone who actually wants to be! You didn t mention what area of insurance she wants to get into and there are many to choose from, so I ll try to give...

Property & Casualty Insurance: slow water damage to the neighbor below, personal liability coverage, plumbing pipes
personal liability coverage, plumbing pipes, condo policy: Karen, I am sorry it has taken me a few days to answer your question. I have been in the process of moving back into a new home in Houston after a short period out in the country at my ranch after my previous house sold quickly. (Nice problem to have, huh?)...

Property & Casualty Insurance: Water damage, department of business and professional regulation, citizens insurance
department of business and professional regulation, citizens insurance, dbpr: Hey Bruno, Since this is an insurable loss, your association is absolutely INCORRECT! FL Statute 718.111(11) governs which policy pays for damaged property. This law was specifically enacted to prevent issues like this from arising. I can assure you...

Property & Casualty Insurance: Water damage from a AC unit in my home, wet insulation, ac unit
wet insulation, ac unit, ac units: Phillip, I apologize for the delay in response. I was out of town and did not have my laptop with me. If the unit was defective and that s what caused the damage, then the AC contractor should pay for the damage and seek reimbursement from the manufacturer....

Property & Casualty Insurance: water damage to the owner below our unit in the condo, condo, water leak
condo, water leak, pipe break: Karen: When a leak originates in your unit and goes down and affects the unit below, it s my understanding that your insurance will only cover your condo unit (within your 4 walls, not the unit owner below. They would have to file their own claim on their...

Property & Casualty Insurance: adjustor, state insurance department, insurance adjustor
state insurance department, insurance adjustor, customers rights: Kevin I do not know the laws in the state of MO. With that said, I would say NO, because it violates the consumers/customers rights and NO insurance company wants to be seen as doing that and no state wants to be known for promoting that. Check with your state...

Property & Casualty Insurance: alleged tub drain leak, downstairs neighbor, shower pan
downstairs neighbor, shower pan, question thanks: Believe it or not, even though Legislators wanted to create a black and white situation, there are still some gray areas. This is one of those areas. The shower pan can be a floor covering so in my mind it s better to err on the side of caution. I don...

Property & Casualty Insurance: Auto Insurance, suzuki grand vitara, dodge ram 1500
suzuki grand vitara, dodge ram 1500, 2006 suzuki grand vitara: Good morning Dennis, Let me start off by stating that I am not a licensed agent in Florida, so your final decision regarding coverage needs to be discussed with an agent who is familiar with FL law and coverage options. Having said that, let me provide...

Property & Casualty Insurance: condo insurance, am i liable...., broward county florida, hcri
broward county florida, hcri, cpiu: Lisa, I am sorry to hear about your problem. Whether you are liable or not will depend on a lot of things ... primarily what the condo association by-laws spell out as far as what happens in situations like this. Generally, you are responsible to insure...

Property & Casualty Insurance: House Fire Claim. Please HELP!, actual damages, verification report
Property & Casualty Insurance: House Fire Claim. Please HELP!, actual damages, verification report, critical document

Property & Casualty Insurance: Frozen Pipe Burst Statement to Insurance Co, burst pipe, plumbing work
burst pipe, plumbing work, frozen pipe: Amber, Your right to question someone before your statement to the insurance company. Insurances company s reject claims that are due to normal wear and tear. For instance every 15 years you can t call them to replace your roof, they go bad in 15 years...

Property & Casualty Insurance: House Fire Claim. Please HELP!, insurance claim
insurance claim: Marie: First, let me say I m sorry that you lost your home in a fire. I cannot imagine how difficult that must be for you and your family. Before I can answer your question, I must first say that I m a public adjuster in Florida. Our policies may...

Property & Casualty Insurance: re: hardwood floors, insurance claim, water damage
insurance claim, water damage: Mark: Within your insurance company adjuster s estimate, he/she will pay you to replace your hardwood floors with like, kind and quality . If you choose to replace them with a different product, that s fine. Just be aware that if your new flooring choice...