Join the 9 million people who found a smarter way to get Expert help

Recent Contents Insurance questions

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.

Read more

Loren

Juris Doctor

star-full
35,514 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?

Read more

Dwayne B.

Juris Doctor

star-full
34,800 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?

Read more

Alex J. Esq.

Managing Attorney

Doctoral Degree

star-full
21,572 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

Read more

JB Umphrey

Attorney & Counselor

Juris Doctor

star-full
12,920 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.

Read more

Sam

Attorney

Doctoral Degree

star-full
31,624 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.?

Read more

Law Pro

Doctoral Degree

star-full
23,546 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.

Read more

lwpat

Doctoral Degree

star-full
15,506 satisfied customers
Denial letter received from self insured plan COO stating claim

Denial letter received from self insured plan COO stating claim would not be paid as "...care rendered was futile..." Denial appealed with a response requesting additional information. Patient was a 24 year old with multi-organ failure enduring resuscitation efforts to enable liver transplant. Insurance Rationale for issue of denial not supported by clinical/medical standards--what is best legal reference to use to support claim payment and refute glib statement of care rendered was "futile"--in this case an administrative person is making a decision not to pay for care provided to a critically ill young man. Thanks for your help.

Read more

LawHelpNow

Attorney and Counselor at Law

Doctor of Jurisprudence

star-full
6,720 satisfied customers
I have been paying John Hancock for years for long term care.

I have been paying XXXXX XXXXXcock for years for long term care. I recently became disabled and applied for the in home care. XXXXX XXXXXcock sent a nurse to my home and the company said that I was approved for care. I have hired three people to care for me. Two of those people do not have CNA license. On is a registtered nurse. XXXXX XXXXXcock says that these people do not have the license to care for me, therefore they will not pay. Now they do not return my phone messages. What recourse do I have?Doyle L Cox623 Spring Valley RoadGeorgetown, TX 7862 [email protected]

Read more

MShore

Doctoral Degree

star-full
17,978 satisfied customers
View more legal questions
In The News