Join the 9 million people who found a smarter way to get Expert help

Recent Homeowners Insurance questions

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

Read more

Dwayne B.

Juris Doctor

35,290 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.

Read more

Dwayne B.

Juris Doctor

35,290 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.

Read more

Chris T., JD

Lawyer

Doctoral Degree

7,424 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?

Read more

Lucy, Esq.

Juris Doctor

29,892 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.

Read more

Ely

Counselor at Law

Juris Doctor

63,706 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

Read more

Ely

Counselor at Law

Juris Doctor

63,706 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.

Read more

LegalKnowledge

Juris Doctor

29,714 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?

Read more

Law Educator, Esq.

Attorney At Law

Doctoral Degree

106,576 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.

Read more

Asad Rahman

Attorney

J.D.

2,804 satisfied customers
View more legal questions
In The News