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We just purchased a home in Colorado. On Friday June 10, we

We just purchased a home in Colorado. On Friday June 10, we were notified by Allstate that they would not provide us with home insurance past 60 days after closing because the house needed a new roof on the east side, the west side had been previously been replaced. The sellers signed an addendum saying they would pay for repairs to the roof. There inspector (state Farm) said they would do a patch job on the roof for $150.00. I refused them and told them to leave. Allstate said they would not accept a patch job and have since said they would canx our insurance effective on Aug12, unless the roof was replaced. State farm (their insurance co) has refused to talked me saying it was between me and the seller. The seller has a $3500 deductible, I asked her to send a check for that amount which she did. She canx that check and subsequently sent me a check for $150.00. The estimate for that side of the roof is over $3000.00 Do I have a legal recourse, or do I just have to suck it up?

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Loren

Juris Doctor

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My question is in regards to a roofer, without insurance, he

Hello,My question is in regards ***** ***** roofer, without insurance, he is a friend, has done several roofs for real estate companies, but has not insurance. He says he just signs a injury liability waiver and the individual that hire him to do the job is covered.I am not sure if that is true of if I am fully protected by an accidental injury waiver or liability waiver? Please advise.

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John

Attorney

Doctoral Degree

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Do all home insurance policies cover if someone broke leg

Do all home insurance policies cover if someone broke leg while coming down stairs? Or, do some only cover if something happened to house as in storm or fire?

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Dwayne B.

Juris Doctor

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34,800 satisfied customers
Home Insurance vs. Business Insurance.. Recently I

Home Insurance vs. Business Insurance.. Recently I purchased a vehicle for business purposes through my company, ABC, LLC. ( S-Corp) single member (Myself as the only member). What is the difference advantages/disadvantages of insuring the vehicle through me personally vs. through ABC, LLC in a liability perspective? NOTE: Some of my employees may drive the business vehicle at different times. I do get a significant discount insuring the business vehicle through me personally due to a multi policy disc

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William B. Esq.

Attorney

Doctoral Degree

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19,020 satisfied customers
I live in a house we built 18 years ago Inbetween my mother

I live in a house we built 18 years ago Inbetween my mother in laws house and my brother in laws house. We share a well that is in my father in laws name between us and my brother in law. For 18 years I have been the only one paying the electric on it. My brother in law has lived in his house for 15 years and has paid his portion for a total of maybe 4 years. I also paid for the meter for the well house. I found out today they have removed my name off of it without my permission and put it in the brothers name. Normally I would be saying wohoo I don't have to pay this bill but due to me having there son/brother thrown in jail for abuse, I am pretty sure they are going to try to keep me from selling the house by making me dig a well. I know it's out of maliciousness due to having to call the cops on them for try ing to force there way into my house. What are my rights as far as the electric goes? What are my rights as far as selling the house and what about the well situation. To make things more clear my husbands grandmother is the one that paid for the well to be dug. She has passed quite a few years ago. My father in law has stopped his other son from selling twice now. I'm in Missouri is there a grandfather law? Help!!!

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rsa.esq

Counselor at Law

Juris Doctor

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148 satisfied customers
I just discovered that home insurance provider has been

I just discovered that home insurance provider has been charging us more than 150% allowable cap for "the value of our home replacement)their evaluation was 202,000 in 2005my husband request more insurance they added 50% to that (they said he maximum allowable) and that brought to 303.000 in 2005, since then until 2015 they nuber iis growing till the replacement cost eached 457,000 in 2015.My husband never noticed , until I was told your insurance is very expensiveI looked into it requested our coverage documetns for all these years.(tehy said oooh your husband should have called..) I said ooo ( you are putting the burden on my husabnd..oo) the husband for you not to exveed the max allowable ration lies on you, and you cannot allow that number to grow (arbitrarily) every year to reach 2015 a ratio of 220% of our home replacement costNow I want them to reimburse me for the overcharged money(+ interest)It its not going to be easy to get them to do anythingFisrt what is the maximum allowable ratio insurance/replacemen cost they could charge per law in virginia?(nothing has changed since our 2005 description on the dwelling- no addition no new building nothing)second : I was thinking of filing a compplaint with the insurance board in VA let them imvestigate their overcharging unduly, may be violating insurance rules, then I take the results of the investigation if they prove my allegation and use for courtwhat is the answer/advice

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Law Educator, Esq.

Attorney At Law

Doctoral Degree

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105,346 satisfied customers
Condominium insurance claim I had some damage in my unit

Condominium insurance claimI had some damage in my unit from the snow on the roof,and now I have a claim with the Home Insurance company,pending(not settled yet).I want to sell my property,as I have a buyer already.Does the claim affect a possible transfor of ownership,before claim being settled? Should I wait until closing of the claim,before selling my condo?I AM PLANING to keep te money from the Insurance and Not Do the repairs.My buyer will buy the property as-is condition

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Law Educator, Esq.

Attorney At Law

Doctoral Degree

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105,346 satisfied customers
We had a flood in our home. It is a large, (4400sqft) house.

We had a flood in our home. It is a large, (4400sqft) house. Prior to the flood, the 5 rooms (4 bedrooms and 1 family room) on the south side of the house ALL had the same flooring. We are in the middle of reconstruction, 4 rooms (continuous) now haveALL NEW and like and matching floors. The 5th room with the old flooring is approximately 8 feet from the other rooms. Its floor no longer matches and looks out of place. Our home is a very elegant. What is the best way to ask the insurance company to replacethe flooring in the 5th room so it matches with the rest of the south side of the house? Please let me know if I should select a different type of Lawyer....there wasn't an Insurance Lawyer. Thank you

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RONB-ESQ

Juris Doctorate

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720 satisfied customers
If I ask my property insurance company about something (say,

If I ask my property insurance company about something (say, mold) in Washington DC, without actually filing a claim, can they report it to the CLUE (or other similar) database?

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Loren

Juris Doctor

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35,500 satisfied customers
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