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This is a confusing situation in a way. I am living and paying

This is a confusing situation in a way. I am living and paying the mortgage, taxes and insurance on my home. The mortgage is in my ex husbands name but both of us are on the property deed. The ex now lives in Utah. I live in Orlando Florida. We are forced to carry Flood Insurance on the home. I just paid this years premium for $170,000 coverage. The balance owed on the mortgage is $144,000...we are tax assessed at $104,000. We do not carry escrow, never have-pay taxes and insurance separate. Wells Fargo, mortgage holder, just opened an escrow account on us for an additional $36,000 in flood coverage-without giving us the option to increase our own coverage first! I paid for my coverage $506. They are demanding $327 for $36,000 extra coverage-highway robbery!!!!! Can they force me to have the increased coverage? Why, when we owe less and tax assessed at even lower than the balance owed?

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Alex J. Esq.

Managing Attorney

Doctoral Degree

 
21,210 satisfied customers
I'm looking to possibly file bankruptcy.

Hello I'm looking to possibly file for personal bankruptcy. My only concern is that I own a business for which normally reports even or losses. However my business bank account has a good amount of cash within it, more so to cover business expenses forroughly two years if need be. I own three vehicles for which current retail value is estimated at $170,000. I only report close to $30k a year in income, however everything I pay comes out of the business account, especially car payments. I have personal checkingaccount, but I only have about $100 in there and I haven't used it not once to make any sort of personal payments at all. My business doesn't have any assets other than cash on hand. It's a business where it cannot be sold unless the person is fully licensedand can legally own it at that point, otherwise you cannot own it, therefore it cannot just be sold to anyone in case a trustee would like to liquidate it. I am married, but we file separate. One vehicle I have I am upside on by roughly $5,000. The other oneis paid for in cash, and another I have about half equity in it for which I can pull out at any time by selling. They are all titled under my name not the business. I would like to file for personal bankruptcy and be able to keep my current assets except thevehicle for which I am upside down on, that I would like to be discharged. How can I, or should I go about this?

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Ray

Lawyer

Doctoral Degree

 
33,996 satisfied customers
On March 5, 2015 the sump pump in the basement of our property

On March 5, 2015 the sump pump in the basement of our property broke on (unaware). Due to the breakdown of the pump the basement was flooded and every item in the basement was damaged. We immediately informed our insurance company, (USAA) about the situation. It took the insurance company one(1) before visiting our home. In the interim the furnace was damaged and the whole house was cold during the past winter. When they finally came during mid spring, the whole basement walls were covered with mold.They came at the end of spring and cleaned the basement, packed away every damaged item, including the drywalls. After the cleaning the assessors came and did the assessment, without any explanations, we were told that the situation in the basement was due to flood and we do not have flood insurance and therefore they cannot do anything about it.Our is, is that what is considered a natural flood. The basement flooded due breakdown of the mechanical equipment/instrument designed to prevent this kind of situation. If the equipment (which is covered by our property insurance) did not breakdown the basement would not have flooded.I am, therefore appealing to your expertise to look into our situation and find us a legal remedy.Do I have a chance?

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Law Educator, Esq.

Attorney At Law

Doctoral Degree

 
104,310 satisfied customers
My 85 year old mother lives in a condo in North Miami Bch

My 85 year old mother lives in a condo in North Miami Bch fla. We did a Quit Claim deed 10 years ago, she retains life rights to condo .If water goes under her condo front door during a strong Fla high wind driven thunder storm or hurrican and is enoughto leak down to the condo below will the insurance pay for possible damages to that condo ? We have no flood insurance but have liability insurance @100k with Citizens ins.Fla plus extra 400k policy with other insurance carrier.The insurance has both our nameson it.Or will I be liable.

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William B. Esq.

Attorney

Doctoral Degree

 
18,554 satisfied customers
What insurances do I need when opening my new kava bar? I

What insurances do I need when opening my new kava bar? I will also be serving food there as well, and possibly a yoga fitness room

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Law Educator, Esq.

Attorney At Law

Doctoral Degree

 
104,310 satisfied customers
I am an insurance broker. I placed a policy with AIG through

I am an insurance broker.I placed a policy with AIG through FEMA processing office in teh midwest.Risk is in NYClinet hasd a flood.They paid Building portion of claim.Took "proof of loss" for contents..but when said proof got to an examiner, she is stating she will deny loss because the tenant should have had their own policy.It is important to note that the building owner and tenant are the same principal..just different entity names.BOTH names are ***** ***** but the are trying to weasel out of paying loss (in my view) having sent me a copy of teh flood manual (I never saw and not a part of policy) that says that a seperate policy should be written for "contents".Insured paid premium in good faith and insurance company added name to policy.Can they do this and deny loss?

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TexLaw

Attorney

Post-Doctoral Degree

 
7,980 satisfied customers
Property Insurance Cancellation and Refusal

Just moved from IL to LA and purchased a 13 year old Manufactured Home. The data plate is perfectly legible, but supposedly missing information. Was not informed by any professional in the area during the home search, home buying, or insurance buying process that it is already difficult to get insurance on a Manufactured Home in Louisiana due to the Hurricanes. I was provided insurance which has since been canceled due to the fact that the underwriters cannot verify the Model Name of the home for NADA value. The manufacturer has since been bought out, and the new company has no record. I have worked my way through local offices all the way to the US HUD office for assistance in this matter, and now I think it is legal. My home is in great condition, I am not in a flood-insurance required zone, and I cannot get insurance. I am hoping that at this point there is legal recourse. I need guidance.Have photos of data plate, appraisal, inspection, can scan copies of letters received by insurance company.

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Attorney2

Doctoral Degree

 
6,492 satisfied customers
I sent in paperwork to get our flood insurance adjusted thanks

I sent in paperwork to get our flood insurance adjusted thanks to the new laws concerning flood insurance rates. As it turns out, our house falls under the pre-firm rate were they will lower the rates.But my question is will they refund difference on policy since we had it? Or will they just adjust price?

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Law Educator, Esq.

Attorney At Law

Doctoral Degree

 
104,310 satisfied customers
Weve been overpaying on flood insurance for a beach house

We've been overpaying on flood insurance for a beach house since we purchased it 6 yrs ago because our house was mis-rated and the insurance co. failed to see the vents we had in our garage via pics they took. We've overpaid almost $4K/yr. I've brought it up the last 3 yrs and finally got someone to listen and was reimbursed for the last 2 yrs & the ins agent said that's all they can do since that's all FEMA would reimburse. They said we didn't answer the questionnaire on our app 6 yrs ago re: vents (which we don't even recall seeing) and my arguement back is they're the experts and if that question was left blank, they should have brought it to our attn and also the fact that I brought it up 3 yrs ago and all I was told was what we were paying was the going rate. Can I try to pursue getting the insurance co/agent to reimburse me for the remaining overpayment for the other 4 yrs? Thanks

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Dwayne B.

Juris Doctor

 
34,042 satisfied customers
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