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Recent Homeowners Insurance questions

What has happened is my homeowners insurance illegally

What has happened is my homeowners insurance illegally denied my claim due to losses suffered from Hurricane Sandy stating that they denied my claim because I was in foreclosure I just won that battle through the courts this wasn't a lender place policy we have lost a lot and now not only do I want to recover my losses from Hurricane Sandy I also want to sue them for pain and suffering and legal costsJA: You just pay a $5 deposit now and the rest only when you get a reply from the Lawyer. All of this is 100% satisfaction guaranteed, so you can get a refund if you're not happy for any reason.Customer: I just entered my card information twiceJA: Since laws vary from place to place, what state is this in? And has any paperwork been filed?Customer: This is in the state of NY nothing has been done as of yet I wanted to deal with the mortgage company firstJA: Has anything been filed or reported?Customer: Nothing I m just starting to move on thisJA: Anything else you want the lawyer to know before I connect you?Customer: No

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Dwayne B.

Juris Doctor

36,496 satisfied customers
How do I go about filing a small claims suit against the

How do I go about filing a small claims suit against the USPS?JA: What state are you in? It matters because laws vary by location.Customer: CaliforniaJA: Has anything been filed or reported?Customer: I filed a claim with the post office (Minneapolis Tort Claims). They denied it. I sent a demand letter. They denied that.JA: Anything else you want the lawyer to know before I connect you?Customer: The letter carrier drove the mail truck off my driveway and had to be towed. Damage to driveway. Two estimates are $1190 and $2148.

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Law Educator, Esq.

Attorney At Law

Doctoral Degree

110,820 satisfied customers
I moved from California 2 Georgia July 31st the moving

I moved from California 2 Georgia July 31st the moving company truck that was bringing my items not stolen with everything in it what resources do I have they say I'm only entitled to $0.60 a pound because I didn't get extra insurance I lost every single thing I owned I have a 2 bedroom double wide mobile home I have pictures of the truck and the stuff packed in it they're offering me $3,200 can I dispute that and get more or am I stuck with that

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Law Educator, Esq.

Attorney At Law

Doctoral Degree

110,820 satisfied customers
Uninsured person hired to spray stain deck caused overspray

uninsured person hired to spray stain deck caused overspray on 4 neighbors cars, a house and deck. Our homeowners won't cover. they say neighbors need to go after person spraying as he is responsible. What is our legal responsibility? CollinJA: Because real estate law varies from place to place, can you tell me what state this is in?Customer: WashingtonJA: Has anything been filed or reported?Customer: We filed a claim with our homeowners, it was denied as we did not do the spraying that caused damage. Neighbors are filing claims with their auto and homeowners insuranceJA: Anything else you want the lawyer to know before I connect you?Customer: NO

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Loren

Juris Doctor

38,914 satisfied customers
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

5,668 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

36,632 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)

11,258 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

36,496 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

36,496 satisfied customers
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