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Recent Property Insurance questions
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.
My question is regarding a scope and pricing dispute
My question is regarding a scope and pricing dispute for a settlement offer of a Maryland property insurance claim. I disagree with the scope and pricing of several items in the insurance company's settlement offer and would like advice on resolving my dispute. I have tried negotiating directly with the claims adjuster, but seem to be hitting a wall. Are there tactics that I can still try myself or am I better off either filing a complaint with the MD Insurance Administration or getting an attorney to represent me?
I red a unlicensed worker to to some roof repairs on a
I hired a unlicensed worker to to some roof repairs on a rental property. One of the workers he brought on to assist seriously injured his hand requiring one day of hospital care. My tenant received a letter from an attorney stating that his client was injured on the property while performing work and is seeking damage compensation.At this time I have not been formerly notified and I anticipate that I will be in due time.What type of attorney should I seek to assist/represent me, am I responsible for his injury even though I didn't hire him directly and would damages be covered under my property insurance policy?HELP
On March 5, 2015 the sump pump in the basement of our
On March 5, 2015 the sump pump in the basement of our property broke on (unaware). Due to the breakdown of the pump the basement was flooded and every item in the basement was damaged. We immediately informed our insurance company, (USAA) about the situation. It took the insurance company one(1) before visiting our home. In the interim the furnace was damaged and the whole house was cold during the past winter. When they finally came during mid spring, the whole basement walls were covered with mold.They came at the end of spring and cleaned the basement, packed away every damaged item, including the drywalls. After the cleaning the assessors came and did the assessment, without any explanations, we were told that the situation in the basement was due to flood and we do not have flood insurance and therefore they cannot do anything about it.Our is, is that what is considered a natural flood. The basement flooded due breakdown of the mechanical equipment/instrument designed to prevent this kind of situation. If the equipment (which is covered by our property insurance) did not breakdown the basement would not have flooded.I am, therefore appealing to your expertise to look into our situation and find us a legal remedy.Do I have a chance?
I run a yoga studio and have general liability and
Hello,I run a yoga studio and have general liability and professional liability insurance. My landlord keeps rejecting the insurance stating:Property Insurance certificate is missing. Your current policy does not provide property coverage. A minimum $5,000 coverage including tenants betterments and improvements, sprinkler leakage, glass coverage, equipment breakdown is required.However, all insurance agents tell me that this is landlord's (owner's) responsibility and they do not offer it to leasers that do not own the property. He is threatening to charge me $25/day that I don't have it.What options do I have.
I have a beach house I live far from it but I use it
I have a beach house I live far from it but I use it frequently. I have a repair person who assured me more than once that he is registered and have a CCB no. I am always generous with him try to help him out too. A window replacement needed to be dineand he removed a rot post but the city noticed the job and stopped the work because the roof was not stable now and asked for work permit and a fine, and informed me that my man was no licensed the work now will cost me $35000 he disappeared and then txt methat he was injured in my properly I was not there and I tried to contact him but a received a letter from attorney suing me for his injury at my property shall take him to court for misrepresentation? what are my rights?
do I have any legal rights against an insurance co. I haveView more legal questions
do I have any legal rights against an insurance co. I have only had two claims in my twenty some years as a home owner, and the happened too come in may of last year and end of oct. this year. After I recieveved a check , which wasn't much they cancelled my policy