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Recent Home Insurance questions

Somehow my mortgage company has, what I think illegally,

Hello, somehow my mortgage company has, what I think illegally, commandeered my home insurance from Amica. I explicitly told Amica that I would be handling my insurance yet, somehow, without my signing off, PNC Mortgage "stole" my home insurance from Amica. This can't be legal...

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Barrister

Attorney/Landlord/Realtor

Doctoral Degree

47,202 satisfied customers
This is a question regarding liability of injury on my

This is a question regarding liability of injury on my property. My adult daughter was visiting us and was bitten by a rattle snake as she walked out my front door. She was treated emergently with antivenin and released from the hospital. After six days she is not able to fully bear weight on that foot. She is a waitress and a Graduate student and living independently. The foot ankle and calf looks pretty good but also pretty bad. Like a crush injury, We are not sure when she can work again. We called our home insurance company and the claims adjuster said yes indeed she was a visitor and our 5000.00 medical coverage would be activated on her behalf. But then I started thinking of her inability to work, her rent. car payment., utilities and her tuition and I called the adjuster back and about asked about our 100,000.00 liability insurance. Would this kick in for loss wages. He said no because a snake bite is an unexpected act from nature and showed no negligence from the property owner. But I think I may have been negligent. I have scruffy thicket of Russian sage at my front door. I have been feeding the birds against my HOA request. we recently noticed mice in our yard and put out poison. Rodents attract snakes. Snakes can hide in a thicket. I live across the street from an area of open desert land. I have rocks holding down the rug on my threshold area. What advice would you give me. I think I have liability insurance to cover such thing ( my 24 yr daughter has health insurance through me) with a 1500.00 deductible. I think she should every penny of health insurance to get well. But if this were my UPS guy who had a family to feed from his wages I would still think the same. My liability insurance should kick in. How do you suggest we proceed.

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114 satisfied customers
I am working with my insurance company because a suv hit my

I am working with my insurance company because a suv hit my tree at 100 mph. Half the bark is off, it is near my house in front of my house. I have had several tree company look at it and they have said-it will die, if it lives past 3-5 years it will live, there could be damage on the inside we don't see.JA: What state is this in? And how old is the SUV?Customer: It is in Kansas and the SUV was around 5 years old, and it was stolen. I want it cut down because of the iffy's and it is near my guest bedroom and I don't want to take a chance. also, will it effect the sell of my house. My insurance company said they will not cut it down because it is only if'sJA: Have you talked to a lawyer yet?Customer: noJA: Anything else you think the lawyer should know?Customer: No, just the safety and value of selling my house

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Dwayne B.

Juris Doctor

35,768 satisfied customers
My daddy died in 2012. My mother chose to come to my home n

My daddy died in 2012. My mother chose to come to my home n live with me. In 2012, She executed a power of atty, durable n general, for me to take care of her. I do EVERYTHING for my mother by myself. I take care of her, my six dogs, my home, laundry, cleaning, EVERYTHING. Now, right at 4 years later, ONE sister is angry because she says she can't visit "freely". My other sister has written my mother's attorney a letter on my n my mother's behalf. I also have PROOF my "mean" sister visited MOST every time she has wanted to, but I have always ASKED for a day's notice so I can make sure I'm not in middle of bathing mama or in middle of MANY other things that my mother is supposed to have done. (Walking 5 times a day, inhaler puffs 4 times day, neb treatments 2 X day, breakfast, lunches supper, baths, meds 3 times a day, her hair cutting n coloring done by me). Without going into EVERYTHING, this one sister has hired an attorney n they THREATENED that if I did not get my name off of a POD acct which my mother (without my knowledge at that time) put me on to, and send them copies of all my mother's bank statements (which my MOTHER does not want to do), send them proof of home insurance showing the ins coverage on my mother's house (she was left a life estate but she wanted to come live with me. Her house is in a bad neighborhood AND I could not take care of her at her home with all my dogs n I have had 2 back surgeries as well) that they would file for a conservator or guardianship. I got my mother an attorney. My mother took a mental evaluation and passed. My mother is happy, healthy safe n secure with me. Her doctors BOTH say her health has improved. Sunday my sister was confronted by my mother asking WHY WAS SHE DOING THIS. My mother told her u DO see me n told her that she n I both let my sister see n visit with her. My mother is very upset over what my sister is doing. They have tried to infer that my mother has dementia (she does not) n that I CONTROL my mother. (If anything my mother controls me). I'm just at a loss when I e done NOTHING but put my mother's physical and emotional well being above mine. If my mama is happy, I'm happy. The untrue, false n, in my opinion, letters that clearly are a defamation of my character....., nasty n mean letters have been going on since June 15, 2012. My mamas atty says that "they" (my sister n her atty) r crazy n she's not worried. BUT im devastated, hurt n I just don't see how so many lies can just continue. It's taking a toll on me, but I'm doing everything just as always for my mother and her house and her meds n Drs n paying her homes bills. Then of course I still have to take care of my house. Please help. I know this is jumbled information, but I'm at my wits end. Any advice would be appreciated.

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legalgems

Juris Doctorate

13,838 satisfied customers
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

37,154 satisfied customers
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

7,562 satisfied customers
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

35,768 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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CalAttorney2

Attorney

Doctoral Degree

20,220 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

148 satisfied customers
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