Home Insurance-Home Owners Insurance

papis asked:


my house was broken into (we’re in the middle of remodeling it) and my list of items was “over” the amount small claims handles. So they’re refering me to the local agent.

Andrew Jeancy

Bloodbath asked:


and it crashes over and damages the house. The shed was not included in insurance coverages as it was built after the house was bought
Paul in San Diego; Thanks for the heads up. I was about to call the insurance to see if I need to pull a permit after the fact and add the shed to the policy.
But I will go another route. I will first get the permit from the county then add to the policy. (I think my RE taxes would go up).

Berry Pun

Chuck T asked:


We had a hail storm and it put holes in my vinyl gutters and I think it probably did damage to my roof , I could use some new siding but don’t know if they will cover it. I’m wondering what happens when I place a claim ,thanks

Emanuel Ahlbrecht

Danny asked:


I’m in a situation were I need to contact my Home Owners Insurance Agent. After many unsuccessful call attempts and leaving many messages and emails, I am extremely dissatisfied because of this. What should I do?

Noble Willick

YellowBookGuy asked:


Located in the panhandle and am looking at a $125,000 home that is not a flood risk. Looking for a ballpark answer.

Justin

Barry C asked:


I was just told by our insurance company that we must get a business policy in order for them to continue covering our homeowners policy because we run a business from the property, but don’t have coverage for it.

Clayton Edgehill

julz asked:


We have already moved out of our house we own in a different Town. My old homeowners policy just ran out. We aren’t going to rent it to anyone, it will just be vacant until it sells. What kind of insurance policy can I get? Should I say it’s a seasonal house? Just want to make sure I have coverage on it in case of fire, etc. Thanks!

Andrew

budbub asked:


We own a 1 unit of a 2 unit condo in San Francisco. We have a separate policy that covers our personal property within the walls of our unit. We and the owners of the other unit form the Home Owners Association, and are trying to figure out if we need a separate policy to cover the exterior and the yard, or if we can each get separate policies to cover our share. Any advice?

Todd

airmandan10 asked:


Should I go through home owners to get my house repaired from a bad roof leak? There is some damage and I guess that an adjuster will make an assessment as to what needs to be fixed, but how does that work? Will they fix the area where the leak is coming in or will they just cover the damages caused by the leak?

Can a I lose money?

Can I get ripped off by an adjuster or can they rip off the insurance company?

Isidro Evelo

mf mf mf mf mf fmf mf mfmfmfmfmf asked:


my home owners insurance sent me a letter stating i need new shingles, not a new roof but new shingles b 4 winter sets in or i will be dropped i cant believe this my shingles look fine but i guess i will replace them can u all tell me the pros and cons of replaceing new shingles since i have never heard of this r had it done

Adrien Mccaul