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Recent Homeowners Insurance questions

I'm hiring a painter to do an exterior paint job on my

I'm hiring a painter to do an exterior paint job on my house? What type of insurance coverage should my painter have? He is a sole proprietor who will not use any employees but will do the work himself so he says he doesn't need workers comp insurance. Maybe so, but what would protect me if he were to get injured? Thanks.

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Gerald, Esq

Juris Doctor

5,294 satisfied customers
I have an ex boyfriend that was extremely intoxicated at a

I have an ex boyfriend that was extremely intoxicated at a small get together at my place last November. He took it upon himself to start a fire in an open area on the property. He proceed to take his gas can out of his truck and pour gas on the fire. Gas can blew up and he was engulfed in flames. he was so intoxicated he just stood there and then panicked and started to run. Friends of mine tackled him and smother him in dirt to get the fire out. He is now potentially going to file a law suit against me saying it was my fault the accident happened. I got a letter asking for my home owners insurance company info. I rent there fore I don't have homeowners insurance. Just need to know how I should proceed at this point

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P. Simmons

Attorney

Doctoral Degree

35,662 satisfied customers
I started the process this month to borrow $15,000.00 from

I started the process this month to borrow $15,000.00 from United Bank in my local town. The appraiser came and appraised our house on the 15th of August, and when I had not heard anything by this past Friday, I stopped into the bank to talk to the branch manager asking how things were going. She called the underwriter and he said the appraiser appraised our house at $30,000.00 instead of $300,000.00. The appraisal was kicked back to him to fix the problem. Anyway, I got my Homeowner's Insurance Declaration page on Friday, on the back of that, United Bank is listed as a second mortgagee and I have not gotten any money and we have not gone to closing/signed any papers with them. Of course, I called the branch manager to tell her this and she was outraged, as I was, that this happened. She said she was going to inform the underwriter about this. My question is: Do we have any legal recourse with United Bank on them jumping ahead and putting themselves on our homeowner's policy as second mortgagee when we have gotten no money from them. If our house was to burn down, they could claim that we owe them the 15k and could take it out of our money from the insurance company. I think it is pretty bad what they have done and it has caused us grief getting involved with them for the line of credit. Let me say that our house was appraised at the 300k and we owe only 195k on it. So we have plenty of equity to get this line of credit. I just feel that these people are incompetent. Please advise. Thank youCatherine Slagell

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TJ, Esq.

Juris Doctor (JD)

10,846 satisfied customers
My question pertains to responsibility for damages due to

My question pertains to responsibility for damages due to tree growth (ie. roots) and how to recover those damages.I own a single family residence in Temecula with a built-in pool. I do not have any trees on my property. My neighbor directly behind me, directly beside me and directly behind him all have very large trees. Although I did not recognize it before, I have discovered that their tree roots run deep under my property and have lifted various areas of my pool patio. The neighbor directly behind me and whose tree has caused the most damage is unwilling to discuss the issue. My questions is how should I deal with this issue? Should I retain an attorney and proceed with some type of litigation? I have not obtained an estimate of the damages officially, but I can say that the pool will require several thousand dollars to repair. Further, I am afraid that the roots may have compromised the integrity of the pool shell. Should this be handled through homeowners insurance? Please advise the best course of action.Regards,Mark C. Dolan

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Dwayne B.

Juris Doctor

35,746 satisfied customers
I'm in the process of purchasing a house. Two days prior to

I'm in the process of purchasing a house. Two days prior to close I became aware of a major water event that occurred in the home (obviously, post-inspection) causing them to file a claim on their home owners insurance. I was misled (with purposeful intent) on the extent of the damages and repairs.During my pre-close walk-thru there were blatant signs of water damage & it was clearly not fully repaired.I brought two experts with me to assess the water damaged area during this walk-through, and both believe there was a lot of work that should have been done, but was not. The two experts who gave me this opinion include the licensed home inspector who conducted the initial home inspection, and an owner of a water restoration service company referred to me by my insurance agent. The opinion of the two experts and my homeowners insurance agent (from the same insurance company to which the claim was made) is that they pocketed a large portion ($10k minimum) of the amount paid out to repair the damages. Am I entitled to view the insurance claim/adjustment that documents what was deemed as "damaged" and the amount of money they were given to rectify said damages? Furthermore- are they required to give me whatever money they pocketed from that insurance payout that was supposed to be used to fully repair the water damage? Based upon the following clause in the Purchasing Agreement- I believe this to be true, and would like to confirm.Casualty Loss: Risk of loss by damage or destruction to the property prior to the closing shall be borne by seller, including any deductibles(s). In the event any damage or destruction is not fully repaired prior to closing, Buyer, at Buyer's option, may either (a) terminate this agreement with prompt return of earnest money to buyer or (b) elect to close the transaction, in which event Seller's right to all real property insurance proceeds resulting from such damage or destruction shall be assigned in writing by Seller to Buyer.

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Dwayne B.

Juris Doctor

35,746 satisfied customers
I recently inherited a residential house located in Fairfax

I recently inherited a residential house located in Fairfax City, Virginia. I would like to allow a relative and her family, who are financially hard up, to live in the house for a period time. Our arrangement would involve their paying a nominal "rent" to cover the basic carrying costs of the house, i.e., real estate taxes, annual homeowner association fee and homeowner's insurance, as well as their directly paying utilities. This arrangement is basically a non-profit making one. Would I be subject to Fairfax City's Rental Occupancy Permit requirement? And if so, if I did not receive such nominal rent, but only required my relative to pay utilites (directly to the utility companies), would I still be subject to the Permit requirement? I have consulted a publication from Fairfax City called "Ordinance Requirement and Standards" relating to the Permit, but cannot find any definition of "rent" or clarification of my issue in such publication.

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Chris T., JD

Lawyer

Doctoral Degree

7,428 satisfied customers
Information about Indiana law scratches. A elderly lady came

Information about Indiana law for dog scratches. A elderly lady came onto our property without consent. She showed up in our front yard where my fiancé was present. He asked how he could help her. She explained that her dad used to live in the house prior to us owning the house and she was here for memories. I was unaware she was on the property, I went outside to check on my fiancé with our dog. The dog was startled by the lady and jumped on her. She was scratched on her arm and she is stating that she is bruised from head to toe. We had a beware of dog sign posted in our garage window. The dog has not had any prior behavior like this. Her son is now trying to call us and fish for information about the dog's record, how old the dog is, and if the dog has had any prior history of violent behavior. If this lady files a lawsuit, are we protected from liability?

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Lucy, Esq.

Juris Doctor

30,310 satisfied customers
Ely, this is the woman who texted you a couple of days ago

Hi Ely, this is the woman who texted you a couple of days ago about the little boy who got away from his father and was attacked by my dog. The family of the child has contacted a lawyer who sent me a letter asking for the name and address of my homeowners insurance and if I have an umbrella carrier on my policy. I need a lawyer to help me with this situation, I want a lawyer I can talk to face to face in st. Paul MN. Do they have a case against me, even though the child entered my home unsupervised by his father. I don't want to give them anything until I talk to a lawyer.

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Ely

Counselor at Law

Juris Doctor

64,422 satisfied customers
My homeowners insurance will not cover my claim and it is

My homeowners insurance will not cover my claim and it is very high for what has to be fixed in my kitchen. Mold has to be eliminated for our safety and health. Cost was estimated at $3,200. T have two company's involved in quotes and need advice on which way to handle this we are in our 70's and 80's and need this resolved soon Thank you Nancy and John Yakamovich

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Ely

Counselor at Law

Juris Doctor

64,422 satisfied customers
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