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

Recent Flood Insurance questions

I'm having trouble with a flood insurance claim. The flood

I'm having trouble with a flood insurance claim. The flood insurance is saying the previous owner filed a claim on my property. The photos show the previous own never replaced anything. They have refused most of my claim.JA: Because real estate law varies from place to place, can you tell me what state this is in?Customer: North CarolinaJA: Has anything been filed or reported?Customer: Yes we had 17inches of water in our store/Diner after contacting our insurance company they advised to start clean up. We kept detailed photos of before and after demo. kept detailed list and photos of equipment and the serial number tags.JA: Anything else you want the lawyer to know before I connect you?Customer: This was a claim for flooding from Hurricane Matthew.

Read more

INFOLAWYER

Attorney

Juris Doctor.

39,218 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?

Read more

Brandon M.

Attorney at Law

Juris Doctorate

8,532 satisfied customers
I am a resident of Masury Ohio,HUSBAND lives in Pa.we have A

I am a resident of Masury Ohio,HUSBAND lives in Pa.we have A contested no fault divorce he filed in Mercer county pa in December of 2015 on the 14th,...I am contesting this divorce. .....I was served with a $4000.00 claim for Trumbull county small claims court to defend on 12/13/16....I do not have any items totaling $ 4000.00....he is asking for a gift he gave we in the beginning of the marriage during happier time from his dead mother. .he wants it back....a 15 -20 Year old used pool table we got used to finish our game room over the garage during the course of the marriage. ..Awasher &Dryer that was used we got during the course of the marriage cleaning up a basement on a flood insurance job for a friend. ..he a desk top computer with monitor. .family pictures and small tools. ...not true. .FALSE CLAIMS. .I have a least 1 year pending in the state of pa on a CONTESTED NO FAULT DIVORCE. ..is he allowed to come into Ohio and Sue me in small claims court for the gift of the jewelry box &the other items listed. ..we are still married. ..it has been 1 year since he was asked to leave the house for Adultress Behavior. ...he was give 2 days to get his items....6 month later the contact came from the police chief. .I told him the same....is this legal. ....can he sue me in Ohio small claims court..with a contested divorce pending in the state of PA.

Read more

Dwayne B.

Juris Doctor

36,964 satisfied customers
Is there possible legal action that can be taken against

Is there possible legal action that can be taken against condo association when condo flood insurance policies have been allowed to lapse in Pennsylvania?

Read more

legalgems

Juris Doctorate

15,410 satisfied customers
This is a confusing situation in a way. I am living and

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?

Read more

Alex J. Esq.

Managing Attorney

Doctoral Degree

22,594 satisfied customers
I'm looking to possibly file bankruptcy. My only concern

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?

Read more

Ray

Lawyer

Doctoral Degree

39,192 satisfied customers
On March 5, 2015 the sump pump in the basement of our

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?

Read more

Law Educator, Esq.

Attorney At Law

Doctoral Degree

112,960 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.

Read more

CalAttorney2

Attorney

Doctoral Degree

20,472 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

Read more

Law Educator, Esq.

Attorney At Law

Doctoral Degree

112,960 satisfied customers
View more legal questions
In The News