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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

 
62,074 satisfied customers
I received a hand delivered notice today containing a letter

I received a hand delivered notice today containing a letter from a local attorney. The letter stated..."This letter is to advise you that this law office has been retained on behalf of the above-named client who sustained serious injuries as a result of an altercation with you on the above- referenced date.Therefore it is necessary that we have information regarding your homeowner's insurance coverage and ask that you please provide our office with the information requested by completing the enclosed form...etc."This is not a legal notice, just a letter requesting the information so that "legal action need not be taken against you."The altercation took place almost 2 years ago. No charges were filed. This is the first notification of any legal activity regarding the incident.Question... What do I do? Do I need legal representation prior to responding to the letter? Do I let an attorney respond? Just curious as to how to proceed.

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LegalKnowledge

Juris Doctor

 
28,446 satisfied customers
My homeowners insurance company canceled my insurance due to

My homeowners insurance company canceled my insurance due to number and nature of continuing losses, which were 3 in 17 years. The last being a report of a dog bite that was not witnessed and appeared to be more of a scratch. That was one year ago. It also states that my premium will be adjusted as soon as practicable after cancellation becomes effective. What does that mean and what are my options?

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Law Educator, Esq.

Attorney At Law

Doctoral Degree

 
104,210 satisfied customers
Can I file claim with my neighbors homeowners insurance JA:

Can I file claim with my neighbors homeowners insuranceJA: The Lawyer will need to help you with this. Have you consulted a lawyer yet?Customer: No, I know who there insurance company is- would they file a claimJA: Please tell me everything you can about this issue so the Lawyer can help you best. OK. The Lawyer will need to help you with this. Please give me a bit more information, so we can help you best.Customer: The person used a single wall stovepipe and caught his house on fire. We told him he could burn down his house and ours. I called their insurance company and they said they would honor a claim since he was found negligent. Is that legal to acceptJA: Is there anything else the Lawyer should be aware of?Customer: NoJA: OK. Got it. I'm sending you to a secure page on JustAnswer so you can place the $5 fully-refundable deposit now. While you're filling out that form, I'll tell the Lawyer about your situation and then connect you two.

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Asad Rahman

Attorney

J.D.

 
2,256 satisfied customers
MEDICAL MALPRACTICE: I need to speak with a medical

MEDICAL MALPRACTICE: I need to speak with a medical malpractice attorney licensed in Texas.I am a chiropractor, and my Board of chiropractic examiners requires that I have service facility location with its own NPI#, and address.I would like to put the service location as my home ( I cannot currently afford an office.)QUESTION: Can designating your home / address as my place of service/service facility location with its own NPI number negate the homestead protections for my Home and my two cars if somebody I treated decided to sue me?Due to financial hardship and disability, I do not have homeowners insurance or malpractice insurance at this time. I only treat my wife and a friend.

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Ely

Counselor at Law

Juris Doctor

 
62,074 satisfied customers
My daughter and I were in a grocery store; my daughter is a

my daughter and I were in a grocery store; my daughter is a minor. She accidentally bumped into a woman whom she had not seen. The woman was crouched down looking at cards. The woman was knocked over, but did not bang her head;the woman admitted this. She demanded an ambulance come and take her to the hospital. The supermarket chain refuses any liability. Am I now liable? Can this woman sue my homeowners insurance?

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Ely

Counselor at Law

Juris Doctor

 
62,074 satisfied customers
I have a rental property that has a failed septic system.

I have a rental property that has a failed septic system. After exploring this completely and spending thousands, it has been found that no septic system will fit on the lot and the township has no plans to run sewer to this area because other people on the street do not want it. I have to pump out the system every month and this is costly. Any ideas? Does homeowner insurance cover this? Is there a lawyer I can hire to sue the township? Any ideas appreciated.

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Law Educator, Esq.

Attorney At Law

Doctoral Degree

 
104,210 satisfied customers
In Texas, closing on a house and have questions regarding the

In Texas, closing on a house and have questions regarding the closing costs. They want to charge me prepaid homeowners insurance for 12 months ($1675.00) plus another 3 months homeowner insurance ($419) as "Initial Escrow Payment at Closing". That seems ridiculous. First, why are they entitled to 1 yr homeowner insurance premium? I can see the lender wanting insurance on the property; however, once I obtain the insurance that should satisfy the lender. How I pay for the premiums is between me & my homeowner's carrier. Second, is lender double dipping by asking for 12 months plus 3 months monthly insurance premium?Another question, what's the purpose of Title Insurance? Is it mandatory I purchase Title Insurance? What is Mortgage Insurance? Is that mandatory? What is difference between Owner Title Insurance and Lender Title Insurance? Thank you for assisting me in answering these questions.

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Maverick

Doctoral Degree

 
5,200 satisfied customers
My parents have a Life Estate in property currently held in

My parents have a Life Estate in property currently held in an Irrevocable Trust. My sister and her daughter have been in control of their finances and have been misdirecting their income. As a result Property Taxes have not been paid since 2013 (and we have been paying them to keep the property from senior collection/foreclosure). They also have cancelled the Homeowners Insurance (and we have had to reinstate payment). The property is not reasonably maintained. Can my parents' Life Estate be voided/forfeited due to this negligence by their designated personal reps (my sister and her daughter)? We have made every effort to keep the Property Tax office from action against the property/my parents by keeping payments current enough to avoid collection.

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Richard

Owner

Doctoral Degree

 
45,854 satisfied customers
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