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Recent Flood Insurance questions

I lost my house in the flood here in Baton Rouge, Louisiana

I lost my house in the flood here in Baton Rouge, Louisiana last year. My flood insurance cut me a check, but it was to me & my mortgage company. The Mortgage company required a "contractor." A neighbor of my dad is a contractor and signed a contract with me to "rebuild." Now the contractor is trying to push me into selling the house as is, no repairs, for pennies on the dollar. I checked with a realtor & what they offered me is less than 1/2 what the land is worth alone. Now I'm scared the contractor might sabotage the rebuild if I don't sell? The contractor has NOT started to rebuild my house yet! Can I sell to someone who will pay me what it's actually worth & walk away from the contractor since he never started the work to begin with?JA: PayPal, Debitcard or credit card are all fine. Because real estate law varies from place to place, can you tell me what state this is in?Customer: LouisianaJA: Has anything been filed or reported?Customer: I'm sorry, did you have time to read the paragraph I wrote? I'm NOT sure you understand my question?JA: Anything else you want the lawyer to know before I connect you?Customer: No.

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Legal Eagle

Attorney

Doctoral Degree

4,884 satisfied customers
I'm looking for a tenant attorney, I'm in the los angeles

I'm looking for a tenant attorney, I'm in the los angeles areaJA: Because laws vary from place to place, can you tell me what state the property is in?Customer: caJA: Has any paperwork been filed?Customer: no. this has just come upJA: Anything else you want the lawyer to know before I connect you?Customer: I'm a tenant.

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Legal Eagle

Attorney

Doctoral Degree

4,884 satisfied customers
I am a contractor and a customer of mines received 3-checks

I am a contractor and a customer of mines received 3-checks with he, his wife and myself as payees from his lean holder, these checks were for a flood insurance claim that the insurance company paid the lean holder on behalf of the customer and the bank was to issue checks for repairs of the home. this customer has forged my name on these 3- checks, processed them and has not paid me a portion of what he owes me and has spent some of those funds for personal living. i have entered the bank where the checks were processed and at that time i only knew of 1, the bank had then froze his account and has lately re-opened it. he was a attny. years back and has been disbared for stealing money, he is now the captain of a police dept. he is also trying to file bankruptcy now but the judge has receintly dismissed the case but he is now fighting it. i now have made a report to the sheriffs office that is above his town dept. and also attny general task force for fraud by natural disaster. they will be performing an investigation but for now i must cover my self from any obligations from the mortgage holder as they refuse to give me any information or care for that matter, what should i do now?JA: Because laws vary from place to place, can you tell me what state this is in?Customer: louisianaJA: Has anything been filed or reported?Customer: i reported to banks involved, insurance company, sheriff office, attny general, my local sheriff office, waitng to hear back from detctive but its been a while and i cant get a return call from themJA: Anything else you want the lawyer to know before I connect you?Customer: as of now no

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Law Educator, Esq.

Attorney At Law

Doctoral Degree

119,266 satisfied customers
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.

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INFOLAWYER

Attorney

Juris Doctor.

43,304 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

8,626 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.

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Dwayne B.

Juris Doctor

38,200 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?

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legalgems

Juris Doctorate

19,724 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?

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Alex J. Esq.

Managing Attorney

Doctoral Degree

22,872 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?

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Ray

Lawyer

Doctoral Degree

45,158 satisfied customers
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