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I just found out that my that my mortgage company has for

I just found out that my that my mortgage company has for approximately the last 14 years been paying my home owners insurance to Farmers for my policy in which Farmers had the incorrect property address. Farmers had my mail forwarding address as the actual property which so happens to be my parents residence.I'm sure if a claim were to be necessary, Farmers insurance wouldn't pay out. I would like a refund of all insurance payments from either Farmers or my mortgage company? Who is responsible for this. Farmers made a mistake about 14 years ago when they switched the address on the policy, and the mortgage company shouldn't have been paying these fees to farmers from my escrow w/o verifying the property address.What recourse do I have. I've contacted farmers and they verbally stated that the previous agents (now retired) made a mistake and that if something had happend to my home, they have an additional insurance that would have still covered the property.Multiple calls to the mortgage company insurance division have resulted in nothing. They have contact farms, been told that the house was insured and closed the case.Farmers has been unable to provide a valid policy with the correct address. The mortgage company has been unable to provide any insurance documentation showing the correct address.When I found out about this during a refinance, I had to cancel the policy with the incorrect address and put a new policy in place with the correct.

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Lucy, Esq.

Juris Doctor

32,626 satisfied customers
We own a condo that is on a nightly rental program and the

We own a condo that is on a nightly rental program and the HOA says in the by-laws that we have to use a particular rental agent. Is that legal? What if we decide to use another rental agent? What type of consequences are we looking at?This particular rental agent seems to nickel and dime the condo owners to death. Not only do they get a 60/40 split, they also charge additionally for an accounting fee and charge card fee, along with a premium to do things, such as $5.00 to change a light bulb.They charge each renter a damage waiver fee. But don't have anything in writing for the condo owners explaining what is considered to be damage. Are very unwilling to pay for damage, as we see it, caused by the overnight renters.What recourse do we have?

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legalgems

Juris Doctorate

16,340 satisfied customers
My contractor has a 5% Contingency in his contract to build

My contractor has a 5% Contingency in his contract to build my house. Should the 5% be paid on the total budget/estimate (i.e. $500,000) to build the house or should I deduct the Allowances for items I will be purchasing (Appliances, Flooring, Countertops) from the 5% contingency fee (i.e. $450,000 after allowances)?

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LawTalk

Attorney at Law

Juris Doctor

35,968 satisfied customers
We live in a 55+ community in AZ. Bought our home here in

We live in a 55+ community in AZ. Bought our home here in 2015 because it was a 55+. The development was begun in 1999. As is very common (I only recently found this out) the developer established the community as a 55+ community, incorporated the HOA, recorded the CC&Rs (which established the community as a 55+) and ran the HOA until all of the lots were sold. Then he failed to turn the HOA over to the homeowners. He did not notify the homeowners at the time and they apparently didn't notice, or care. This apparently happened in 2010, when he sold the last lot. Since then, there has been no official age verification of the 55+ restriction, as there was no active, functioning HOA. The homeowners seemed to be oblivious to this fact and were shocked into noticing when a real estate investor bought several undeveloped lots in the community last year and stated that he had no intention to comply with the age restriction. He has since built 2 homes that he has apparently rented to 2 underage families. Is there anything that we can do at this point since, out of ignorance or apathy, the community has not been in compliance with the bi-annual age verification requirements of the HOPA Act? Help! We're losing our community!

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Asad Rahman

Attorney

J.D.

4,434 satisfied customers
We just purchased a home in May of 2016. When we purchased

We just purchased a home in May of 2016. When we purchased the house, there were several trees that were overgrown and an eyesore. We removed the trees at our expense. Three months later, our neighbor received a letter from the city asking her to fix her sidewalk. She is blaming us for the damage done to our sidewalk due to the trees roots growing underneath the slabs.. We have refused to pay to fix the sidewalk, as we were not aware of the damage that the trees had done, due to the fact that we had only lived at our residence for 3 months. She on the other hand has owned the property for 20 years and did nothing to rectify the situation with the previous owners. She is now taking us to court and asking for the full amount be refunded to her for the sidewalk replacement. We are very upset as we feel that she is taking the wrong people to court and was negligent on her part to try to rectify the situation years ago. Where do we stand in court against a judge?JA: Because real estate law varies from place to place, can you tell me what state this is in?Customer: CaliforniaJA: Has any paperwork been filed?Customer: Yes. The neighbor has filed paperwork to take us to small claims courtJA: Anything else you want the lawyer to know before I connect you?Customer: That we purchased the home in May of 2016 and she received the letter in August of 2016. The city sent her the letter asking for her to repair the sidewalk, not us. As I mentioned before, we removed all of the trees, not even knowing that the city had taken pictures of the sidewalk in September of 2015, 9 months before the purchase of this residence.

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Ray

Lawyer

Doctoral Degree

40,390 satisfied customers
In NJ, who is responsible for the insulation that is falling

In NJ, who is responsible for the insulation that is falling under our floor boards in a crawlspace that only our maintenance and/or utility can get to. NO one condo owner here has ever gone under there as this is a senior community. Our Board of Trustees are trying to tell us we, the homeowners, are responsible when we pay $246.79 a month for our association dues for the maintenance of the property.JA: Because real estate law varies from place to place, can you tell me what state the association is in?Customer: New JerseyJA: Has anything been filed or reported?Customer: We have mold under our floor boards, which they say they will take care of but we have to replace all the old insulation, so they say. I have been told that is not true under NJ State law but I need to know for sure before I say anything.JA: Anything else you want the lawyer to know before I connect you?Customer: I think that's it...

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3,852 satisfied customers
I live on a cul-de-sac where all the houses on one side of

Greetings,I live on a cul-de-sac where all the houses on one side of the street are serviced by a private sewer line (behind all of the houses). At some point further downstream, this private sewer line couples with another line maintained by the city. The city will in no way provide any maintenance to the private line. So,Question: If a blockage / break of the line occurs on a neighbors property, is that property owner solely responsible for repairs, or do all those serviced by the line have a joint responsibility?Thank you

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Phillips Esq.

Attorney

Juris Doctor

20,732 satisfied customers
My daughter owns a small condo in the city of Milan Michigan

My daughter owns a small condo in the city of Milan Michigan now for about 2years, It is mostly owned by older owners. She is a young single mother of an 8 year old son. Last summer she was harassed daily-weekly from her son riding his bike, roller skating, they even went as far as to put a sign on her door telling her where the parks were. He is there 4 days out of the week. The first beautiful day of the year today and her son was approached by an elder saying "he was breaking the law" riding his bike. My daughter has asked all owners in the meeting last year if there is a problem of any kind with them and her son to come to her. I feel so bad that it is starting all over again and it is not even spring. How is she protected from this harassment?JA: Because laws vary from place to place, can you tell me what state this is in?Customer: Thank YOU her mom and his grandmother, Ms. Jo MesserJA: Has any paperwork been filed?Customer: Michigan. No paperwork.JA: Anything else you want the lawyer to know before I connect you?Customer: What are her rights as a homeowner? Thank YOu

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Roger

Litigation Attorney

Doctoral Degree

34,634 satisfied customers
If a person finishes (drywall, electrical, etc.) a basement

If a person finishes (drywall, electrical, etc.) a basement without getting the proper permits, What problem could that cause when the person goes to sell the house? What if the basement was finished by the previous person?

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legalgems

Juris Doctorate

16,340 satisfied customers
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