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Recent Property Insurance questions

One of my discovery interrogatory... One... One of my

One of my discovery interrogatory... One...One of my discovery interrogatory...One of my discovery interrogatory questions asks,"Do you have liability insurance or are you aware of any other form of indemnity which you claim is applicable to this accident? _____ If the answer is yes, state:"My answer is yes for indemnity (healthinsurance) only, so how do I answerthe following:"The name of the company or companies, including any excess or umbrella carriers, which you claim provide coverage" My health insurance is Golden Rule, I'm not sure what an umbrella policy means; they are a united healthcare company. Would that be an umbrella?"a. The limit or limits of liability of each policy" How do I answer that?"b. Whether you are being defended by the insurance carrier under a reservation of rights." (I have never even heard of a reservation of rights). How do I answer that? AND"c.Whether the insurance carrier has accepted or denied coverage" They only paid some of the bills as my policy is limited & some doctors do not take golden rule. So how do I answer that?

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Lucy, Esq.

Juris Doctor

31,946 satisfied customers
My 7 pd maltese bit the u p s man on calf as he was stepping

my 7 pd maltese bit the u p s man on calf as he was stepping over my fence to leave the bite size bee sting i took pics he was not limping they took pic my license said they will contact me make sure shots are up to date i said yes then your going to sue me he said we see shot records go from there i live in 5 th wheel i have no money I'm worried can they take my trailerJA: What state is this in? And how old is the mobile home?Customer: california its 2006 5 th wheelJA: Has anything been filed or reported?Customer: it just happened todayJA: Anything else you want the lawyer to know before I connect you?Customer: yes my yard the dog can't get out the gate is nailed shut only top gate opens ........

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Marsha411JD

Doctoral Degree

19,386 satisfied customers
We just recently purchase a house under va loan, a few days

we just recently purchase a house under va loan, a few days later the after the master bath was use the ceiling of the kitchen under the master started leaking so we called the home owner warranty to fix the plumbing. The plumber came and did the inspect the problem and said before he can fix the problem that it needs to be dried. Around after a contractor arrive and said that they are one to inspect fix the damage caused by the water leak (Express dry water mitigarion). I was working at that time and my sister help them. At that time they texted me that in able for them to start the that I have to send them an approval via email and will have my sisterling sign for me so they can start on the job. After the job was done they called me and said that they are not covered by old republic (home owner warranty), and iso they that iI would have to pay out pocket. So I gave them the information about the property insurance, because I heard from the third contractor that came to my house to estimate the damage to fix the dry wall that was taken out in able too do the job needed to be done that I have to use the property insurance to cover that part of the job. Not knowing that I have a high deductible push for job to be done. This part of the story but I just want to know that if this a case or not?JA: Because real estate law varies from place to place, can you tell me what state this is in?Customer: CaliforniaJA: Has anything been filed or reported?Customer: Not yet, I don't know if this is case that I can pursue.JA: Anything else you want the lawyer to know before I connect you?Customer: I'll talk more about it in detail if this is actual issue that I can pursue

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Attorney2

Doctoral Degree

7,830 satisfied customers
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

22,580 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

112,750 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

36,880 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

36,880 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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38,814 satisfied customers
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