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I found out this summer that I have been paying for Farm and

Customer Question
Good Morning, JA: Hi. How can...
Good Morning,
JA: Hi. How can I help?
Customer: I found out this summer that I have been paying for Farm and Ranch property ins. and should only have been paying Home and property. I bought my home (in the country) in 2003. I have asked several times over the years why I have the Farm and Ranch policy as my home is a single level on 1 and 1/2 acres. Never got an answer till this year when I asked again.
JA: Because real estate law varies from place to place, can you tell me what state this is in?
Customer: Iowa
JA: Has any paperwork been filed?
Customer: I presented this to my lawyer who could not pursue a case due to conflict of interest. The 2nd lawyer I contacted looked at my material and said he will not take the case due to schedule issues and not having experience in the intricate workings of insurance laws.
JA: Anything else you want the lawyer to know before I connect you?
Customer: I am just looking for reimbursement of money I have been paying since 2003. I was a single mom at that time.
Submitted: 2 months ago.Category: Legal
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Answered in 2 minutes by:
9/12/2017
Lawyer: INFOLAWYER, Attorney replied 2 months ago
INFOLAWYER
INFOLAWYER, Attorney
Category: Legal
Satisfied Customers: 58,097
Experience: Licensed attorney helping individuals and businesses
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Hello and welcome. I am working on your answer and will be right back!

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Lawyer: INFOLAWYER, Attorney replied 2 months ago

Where overpaid insurance, insurer should return the overpayments. You should create a timeline or chart to identify the years and amounts, and can also complain to the insurance department if needed. Finally, a lawyer can send a demand letter and a state civil lawsuit could be filed as needed.

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Customer reply replied 2 months ago
Thank you for the info. It is helpful.
Lawyer: INFOLAWYER, Attorney replied 2 months ago

Thanks. Kindly rate me 5 stars.

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INFOLAWYER
INFOLAWYER
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DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.

The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).

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