Home Insurance Forum

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Benefit from the discussions on home insurance, condominium or renters insurance in this forum and learn from our experts all for free.

Home insurance and renters insurance?
by Guest »
Guest

Hi, I purchased a home about 4 months ago. I had renters insurance for the old address that has not yet lapsed and homeowners for my home.

Last night, there was a hit and run on my primary car (street side, right in front of my house) and I do not have collision or comprehensive. I have notified both the police and my car insurance, but I’m wondering if either of those policies might offer any assistance. I’d be happy if one would cover paying for new car seats (since the warranty was voided on the ones in my car).

Thoughts?

What is Mobile Home Insurance?
by Guest »
Guest

Source: https://homemobileinsurance.com/what-is-mobile-home-insurance
Our house faces many dangers such as flood, fire, theft, earthquake. You can guarantee your home and family with insurance. What is mobile home insurance? What does mobile home insurance do? Which collaterals cover mobile home insurance? Is it compulsory to have mobile home insurance? So, you can find answers to your questions in this article.

Mortgage insurance payment after fire loss
by Guest »
Guest

Hi, I had a house fire and used the insurance companies "preferred contractor", 6 months later I had to terminate that contractor for failure breach of contract and failure to complete home in satisfactory condition. Basically, now I'm without a contractor and no contractor will touch until I reach an agreed amount with the prior contractor. I am trying to mitigate my damages by hiring my own subs and using a small GC, paying all materials, etc. Mortgage company has insurance money (over $200K), but they are asking for W9's, etc of subs.

Insurance fraud?
by Guest »
Guest

We have recently had some severe storm damage, roof damaged, windows broken out, gutters shot, siding punched through, trees down, fence crushed... you get the picture. An adjuster has come to take a look and we should have some answers in a couple of weeks, but in the mean time we have contracting companies knocking on our door looking for our business, which is great.

Upgrade personal property?
by Guest »
Guest

Hi - we just had a house fire. We have personal property replacement value endorsement on our policy. I understand we will get ACV on our personal property and then can submit receipts for items we replace and get the recoverable depreciation.

I also understand you have to purchase essentially similar items for replacement, unless you can't, like replacing a CRT TV with a flat screen because you can't buy a CRT TV anymore.

damaged roof from hail storm question
by Guest »
Guest

Four years ago, we filed a hail damage claim. The adjuster came out and said the roof needed to be replaced. My insurance covered 10,000. The roof guy did not replace it because he said it wasn't enough to cover the cost, so instead he did repairs. Yesterday we had a huge hail storm and now our roof has huge indents and my gutters are damaged as well. I have heard you can't get pay for the same claim twice, but we did use the money to repair the roof. Can I file a claim?

Thank you.

Gas stove connected to propane tank.
by Guest »
Guest

Hi,
I bought a house with gas stove connected to a propane tank. The same small propane tank uses for a garden grill. The tank is outside and it is connected to stove in the kitchen by a pipe.
This is a convenient solution for me because I can change tank easily and the cost is smaller than if I would use an electric stove.
I am trying to figure out if this is against codes/insurance rules. Can someone answer me if in case of fire in my house insurance company would not honor and cancel the claim because of this?