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Recent Contents Insurance questions

INRE: Louisiana Bond for Deed Contract, Judge signed/ordered

INRE: Louisiana Bond for Deed ContractJA: Has anything been filed or reported?Customer: Judge signed/ordered a stipulate judgement against defendant who never came in and signed. Therefore, judgement was filed with attorneys signatures (hers and mine) and my (Plaintiff) signature. The defendant has had over a year to comply with judgement, but has decided to ignore it and remain in breach of contract. Does her not signing the stipulated judgement affect anything? Will she still be considered in contempt of the judgement?JA: Because laws vary from place to place, can you tell me what state this is in?Customer: LouisianaJA: Anything else you want the lawyer to know before I connect you?Customer: Yes. I also am seeking information on the Seller refusing me Contents Insurance coverage as well as refusing me any and all insurance information on my home that suffered flood damages in August. Our Bond for Deed specifically states that she is to sign insurance check and give to me to handle repairs and contractors. She is only to come through and perform daily/weekly inspections. Instead she has kept me in the dark on all insurance matters and has even given directions to contractors to not fully repair and replace some things in house that I believe will reduce value of the home (she never gave mortgage company permission to speak with me, so I haven't been able to speak with them either)......question is, legally, will I be able to obtain the contents insurance money that she has either collected herself or refused me? She never added me as a payee on the insurance, of which I pay for yearly, so the check came only in her name. Also, I believe the reason she is not having house repaired to original condition is so she can collect those extra funds as well

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Ely

Counselor at Law

Juris Doctor

67,970 satisfied customers
My flood insurance company will only pay $5K of the

My flood insurance company will only pay $5K of the estimated $33K (after adjustments of depreciation) of the loss of contents after a natural disaster caused my house to go under water. I have $85K in contents insurance coverage, yet Wright Flood is only paying me $5K against a $48K contents loss. The contents list along with photos of all damages items was approved by my adjuster, then sent to The Fountain Group and approved and then they sent it to Wright for final approval and now Wright has decided to only pay $5K of the claim. Can I sue Wright Flood Insurance for the remaining amount due to me, plus attorney's fees/court costs? They should be obligated to cover the loss as this is the entire reason for buying insurance coverage and paying premiums year after year.JA: Because real estate law varies from place to place, can you tell me what state this is in?Customer: Texas Houston Natural disaster occurred April 18, 2016JA: Has anything been filed or reported?Customer: The structural claim was filed and paid without any issue or delay for $80K to clean up, gut and rebuild the affected first floor of motion house. It's the supplement for the contents portion of my claim that they are only choosing to pay $5 on instead of the determined after adjustment for depreciation of $33K.JA: Anything else you want the lawyer to know before I connect you?Customer: Can I sue my flood insurance company for sorting me on paying out on my contents portion of my flood claim?

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Brandon M.

Attorney at Law

Juris Doctorate

8,532 satisfied customers
I run a yoga studio and have general liability and

Hello,I run a yoga studio and have general liability and professional liability insurance. My landlord keeps rejecting the insurance stating:Property Insurance certificate is missing. Your current policy does not provide property coverage. A minimum $5,000 coverage including tenants betterments and improvements, sprinkler leakage, glass coverage, equipment breakdown is required.However, all insurance agents tell me that this is landlord's (owner's) responsibility and they do not offer it to leasers that do not own the property. He is threatening to charge me $25/day that I don't have it.What options do I have.

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Loren

Juris Doctor

41,172 satisfied customers
I have a retired friend who owns her home in a condo complex.

I have a retired friend who owns her home in a condo complex. A few months ago her daughter and son-in-law who had lost their jobs and were out of money moved in with her. They did not pay her any rent for the time they were there. They brought many possessions with them and stored them in the house. Last month there was a fire in the garage that was attributed to a short in the electric junction box. A vehicle the son-in-law was working on was damaged as was a number of possessions of both my friend and her daughter/son-in-law. The condo association insurance is taking care of the fixing the structure. My friend has "contents" insurance for the items in her condo. It has a relatively low limit ($25000) that will likely not cover the items that were damaged. There was no insurance on the vehicle.Since the fire, the relationship between my friend and her daughter/son-in-law has deteriorated (it was never good to start with). Her daughter/son-in-law are now saying she is responsible for damages to their property and are talking about suing her. She is very concerned that she will end up having to pay them.Given that the fire was attributed to a electrical junction box (which no other unit in the condo complex has had problems with), it would seem that she would not be liable for damages.Should she be concerned?

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Dwayne B.

Juris Doctor

37,198 satisfied customers
I have replacement insurance but my insurance company has refused

I have replacement insurance but my insurance company has refused to give me what I had my contents insured for. They issued me a parcel check and say I have to turn in my receipts to show what and how much I paid for contents and they will then give me more money. Is this legal?

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Alex J. Esq.

Managing Attorney

Doctoral Degree

22,646 satisfied customers
Hi, I have rented a self storage unit in New York City for

Hi, I have rented a self storage unit in New York City for the past 18 months. The unit has a caged top which is open to the ceiling above. I have visited the unit several times to add several items to the unit (furniture, etc). During my last visit, I noticed that there was a leak coming from the ceiling. I also noticed that there was a clear plastic sheeting over the roof of my storage bin and the sheet looked stained. Anyway, a good majority of the items in the space were soaked and had already molded. Since it was a Saturday, the manager of the facility wasn't in so I reported the damage to the security guard who took photos and filed a report for me. I reached the manager the next week and made an appointment to bring him to the unit. On the day I went back, it was raining outside. When we went to my space, it was also raining inside my space. The manager acknowledged that it was a problem and agreed to move my now worthless belongings to a new, dry space. The manager said I should submit a list of what was damaged and the values of the items. Do I have any rights in this situation? I did not purchase separate insurance. But I also expected to be provided a clean dry space to store my stuff. What can I expect to recoup because of their negligence? I would go so far as to say they rented me a space that they knew leaked...thanks

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JB Umphrey

Attorney & Counselor

Juris Doctor

12,922 satisfied customers
I am looking to start a business of taking pictures of peoples

I am looking to start a business of taking pictures of peoples insurable contents for insurance purposes. Residenses, furniture, jewerly, cars, etc. so they will have a record if and when disaster strikes. These forms and pictures would be kept by the insured in safety deposit boxes for safe keeping. I was in the real estste business for 15 years, and have taken many pictures of homes and belongings. I was loonking to offer this as a reasonable price. O course, when I was an agent, All I can remember is being licensed by the stste to do business. My question to you, is would you recommend bond and liability insurance to enter peoples homes to take these pictures, and I fall under a state mandated license business other than a business license.

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Sam

Attorney

Doctoral Degree

31,958 satisfied customers
Im getting divorced,my home burned down after I seperated,the

Im getting divorced,my home burned down after I seperated,the home and Ins.from are in both our names,I live in tn.my atty says I should get half,our contents ins.was for $172,000.00 How much will they pay.My atty said he'll put my$ in his trust acct.can he keep my $? when should I get my par?How do i know if i can trust my lawyer?ive heard he'll sell you out in a heartbeat? Now im afraid?Why cant they put my $ in my acct.?

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Law Pro

Doctoral Degree

23,548 satisfied customers
I own a small 2 story retail building in Milford, TX .. The

I own a small 2 story retail building in Milford, TX .. The building is in the old part of town where all the structures are solid masonry and most have common walls. April 5, my neighbor's building had an electrical fire (he did all the electrical work himself) his building was a total lose,and when his roof came down it tore open the joist pockets in my building and set it on fire. My damage was not so bad, the interior fire wall held and the damage was contained to the south 25% of the building. There is a long history between me and the neighbor, but since the fire he will not speak to me at all. I have been battling with him to clear his lot, take down the curtain wall, front awning.. etc. Now ... I need to repair the exterior of my wall so I can move my tenant back into the building, and he will not let me on his lot to do those repairs. Can I petition some court to let me make my repairs.

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lwpat

Doctoral Degree

15,506 satisfied customers
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