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Recent Property Insurance questions

Can an insurance company issue a policy, take premium

Can an insurance company issue a policy, take premium dollars, say we met eligibility on the initial application and then within a month or so cancel coverage, citing claims we had over 3 years old when the application only asked about claims in the past 3 years?

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Alex J. Esq.

Managing Attorney

Doctoral Degree

22,078 satisfied customers
I am a elderly woman in my 70's. I do not know which way to

I am a elderly woman in my 70's. I do not know which way to turn. I am being abused by the hoa board and management co where I have retired to. The front of my home badly needs fixing and they have told me if i want it fixed i have to do this myself. I pay my fees every month for them to keep up the outside of my home. I decided to get a contractor to fix my home but the board said they would take me to court if i used my contractors. I have heart problems and i am under great stress - i cant even sell my house because of the condition of the front. At hoa meetings if i ask a question i get threats of being thrown out of meeting. They say they have sent me emails - i have never received them. I requested management company to send my bank a copy of property insurance - they refused. I dont know what to do.

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Law Educator, Esq.

Attorney At Law

Doctoral Degree

108,012 satisfied customers
We are renting a home in California. The home had some leaks

We are renting a home in California. The home had some leaks and resulted in mold in the walls. The house is currently being gutted and the mold treated. As a result we are having to stay in a hotel. We also have damage to personal property as a result of the leaks and mold. I have three questions. One, is it possible that landlords property insurance will cover the hotel and losses or personal property. Two, if not, is our only option to either have the landlord pay or sue if she can't pay (note I said can't not won't). And three, what should we do to ensure our families health has not been affected (and won't be going forward).

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Dwayne B.

Juris Doctor

35,734 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

35,734 satisfied customers
How can a person be charged with arson his own

How can a person be charged with arson for burning his own property? No one was in the building nor in danger. There was no insurance on the building.

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Bill Fix

Attorney

Juris Doctor

156 satisfied customers
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?

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37,930 satisfied customers
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

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MIAMILAW1127

Partner

Juris Doctorate

1,484 satisfied customers
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?

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Law Educator, Esq.

Attorney At Law

Doctoral Degree

108,012 satisfied customers
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.

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Loren

Juris Doctor

37,038 satisfied customers
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