Thanks.

Vickie

A few insurers may have copies online ONLY for existing policy holders. But if you want to compare coverages from different insurers, you are out of luck. Not even the individual states Departments of Insurance make the policies available online, even though they have them on file. Does that give you a clue as to who provides campaign money to our elected legislators and insurance committee members? Your “Good Neighbor” insurance company.

So Keith, give us the name of just one company that posts policy copies online for the public to see.

You would actually be better off using the insurer’s water damage restorator for the initial remediation,because if your claim is denied under the policy, but the insurer and or restorater screwed up (and they usually do), you could make a “third party claim” against both of them. There is a whole detailed discussion on this in the eBook “Homeowners Loss Advice”at http://www.uclaim.com. And it has a money back guarantee and free consultation with the author.

And for your $30,000 at stake, wouldn’t it make sense to spend $10.00 to buy a policy copy at UClaim.com? Keep us posted.

Like many I’ve read about here, we do not have our policy book- and we just renewed in January, so I don’t understand why we haven’t received it yet. Of course now that I really need it, and fast, I am getting the runaround and the damage is est. to be around $30,000!!! I am being told water damage is only covered if it is a pipe bursting-but that is all they are saying. No adjuster has contacted me, and I am hoping that they don’t until I can arm myself with the knowledge I need, because I’ve heard about their practices. State Farm urged me to use their remediation service, but they were yelped very negatively, and so I chose my own independent. Problem is I still cannot obtain a copy of my policy, and don’t know what they have amended etc. I don’t know the cause yet, but the upstairs bathroom is directly above the room damaged. I was told it would only be covered if it was a sudden loss of water from a pressurized source like a pipe bursting- but get this- if your pipe is corroded and bursts its not covered!!! How the heck could we ever detect these things, and if its a leak or break in a seal its not covered, but how exactly are people supposed to detect these types of things in order to prevent them from happening on a constant basis when there is no way to physically inspect the area?! The ceiling of the first floor room can’t be torn opened to check every other day- and who would do that and be qualified to identify these types of things anyway besides plumbers, who I don’t have over every day to inspect every inch of the inside of my home that is only 10 years old, and who cannot prevent a sudden release of water from a seal that suddenly fails or pipe that is corroded on the inside concealing it until it suddenly fails…..this is not only unreasonable, but another way honest people are being taken advantage of by large organizations in unregulated industries. Everything is ruined in the room below that upstairs bathroom, and I believed we had a homeowners policy to protect us for exactly this type of sudden, un-forseen event-but I’m being told not this and that! Please let me know how I may best approach handling this devastating nightmare, because that adjust will be coming to deny my claim soon, and I cannot get my policy nor do I know exactly what the cause it yet. Do I hire an investigator to make their own assessment? I just don’t know what to do and we saved for 8 years to get married and budgeted 15K for that, but if we are denied coverage….there goes the wedding and probably our house.