Comments on: General Insurance Claim Questions http://www.insuranceclaimhelp.org Helping consumers maximize their insurance claims. Wed, 08 Feb 2012 00:47:36 +0000 hourly 1 By: Robert http://www.insuranceclaimhelp.org/general-insurance-claim-questions/comment-page-4/#comment-63797 Robert Tue, 07 Feb 2012 11:56:43 +0000 http://www.insuranceclaimhelp.org/?page_id=21#comment-63797 Hello, I was in a fender bender. It happened in Canada and both drivers are Canadian. I backed into another car in a private townhouse parking lot. Who is at fault? Is it really 50-50? Also the other car was parked with no driver and was parked in such a way that it obstructed traffic (there is no way I could have completed my blackout without hitting him. Whether I noticed it or not, I was stuck) and he was parked illegally against a city bylaw in a fire route. Who is at fault and how should I approach this with the insurance company? Thanks Hello,
I was in a fender bender. It happened in Canada and both drivers are Canadian. I backed into another car in a private townhouse parking lot. Who is at fault? Is it really 50-50? Also the other car was parked with no driver and was parked in such a way that it obstructed traffic (there is no way I could have completed my blackout without hitting him. Whether I noticed it or not, I was stuck) and he was parked illegally against a city bylaw in a fire route. Who is at fault and how should I approach this with the insurance company?
Thanks

]]> By: Jason http://www.insuranceclaimhelp.org/general-insurance-claim-questions/comment-page-4/#comment-63714 Jason Tue, 07 Feb 2012 01:21:05 +0000 http://www.insuranceclaimhelp.org/?page_id=21#comment-63714 Sump failure, You can make a claim for anything you want even if a a row of carrots you were growing for garden transplanting dies. Now does that make sense to do? Do you think it would be covered? If so, what do you think it's value is? You would likely need a sewer backup or sump pump overflow endorsement but there are other ways for there to be coverage than can be discussed in a short forum such as this. Also, I'm not familiar with Alfred and different storms take on slightly different features. Again, you can claim anything, even if some golf clubs flip out of the back of a golf cart and knock over your chair and a completely full beer. Sump failure,
You can make a claim for anything you want even if a a row of carrots you were growing for garden transplanting dies. Now does that make sense to do? Do you think it would be covered? If so, what do you think it’s value is?

You would likely need a sewer backup or sump pump overflow endorsement but there are other ways for there to be coverage than can be discussed in a short forum such as this. Also, I’m not familiar with Alfred and different storms take on slightly different features.

Again, you can claim anything, even if some golf clubs flip out of the back of a golf cart and knock over your chair and a completely full beer.

]]> By: Sump Pump Failure http://www.insuranceclaimhelp.org/general-insurance-claim-questions/comment-page-4/#comment-63683 Sump Pump Failure Mon, 06 Feb 2012 19:52:58 +0000 http://www.insuranceclaimhelp.org/?page_id=21#comment-63683 My basement flooded during Storm Alfred as the power was out for a week and my sump pump could not run. Is this something I can claim? Also, a tree onto my deck and part of my house but no real damage other than a few cracked and broken shingles. No I am getting a water stain on my ceiling in the general area where it fell. Is this something I can claim? If so, how? I only have pics of the tree. My basement flooded during Storm Alfred as the power was out for a week and my sump pump could not run. Is this something I can claim?

Also, a tree onto my deck and part of my house but no real damage other than a few cracked and broken shingles. No I am getting a water stain on my ceiling in the general area where it fell. Is this something I can claim? If so, how? I only have pics of the tree.

]]> By: mike http://www.insuranceclaimhelp.org/general-insurance-claim-questions/comment-page-4/#comment-60510 mike Thu, 19 Jan 2012 04:35:18 +0000 http://www.insuranceclaimhelp.org/?page_id=21#comment-60510 my rental homes hvac unit was cut and taken ins co. said it does not pay for theft howvwer i feel it was vandalized can i collect someway? my rental homes hvac unit was cut and taken ins co. said it does not pay for theft howvwer i feel it was vandalized can i collect someway?

]]> By: Jason http://www.insuranceclaimhelp.org/general-insurance-claim-questions/comment-page-4/#comment-59330 Jason Fri, 13 Jan 2012 03:09:52 +0000 http://www.insuranceclaimhelp.org/?page_id=21#comment-59330 Karen, It may. Just submit a claim and more importantly, get your wiring looked at by an electrician to make sure nothing more damaging happens like a fire. Tell them what happened and let them diagnose the problem. Sure it might cost a little money to have an electrician diagnose your wiring for potential problems but going through a fire is a lot more of a head ache than most people want to go through. And, submit this as a claim. Even the emergency electrician's bill. The insurance may cover this but I am not sure. It seems to be accidental but I don't know what part of the policy this would fall under. Karen,
It may. Just submit a claim and more importantly, get your wiring looked at by an electrician to make sure nothing more damaging happens like a fire. Tell them what happened and let them diagnose the problem. Sure it might cost a little money to have an electrician diagnose your wiring for potential problems but going through a fire is a lot more of a head ache than most people want to go through.

And, submit this as a claim. Even the emergency electrician’s bill. The insurance may cover this but I am not sure. It seems to be accidental but I don’t know what part of the policy this would fall under.

]]> By: Karen http://www.insuranceclaimhelp.org/general-insurance-claim-questions/comment-page-4/#comment-59325 Karen Fri, 13 Jan 2012 02:43:51 +0000 http://www.insuranceclaimhelp.org/?page_id=21#comment-59325 Tonight while vacuuming I unplugged my TV. After Vacuuming I plugged it back in and heard a loud pop and then it smoked. TV is less that 2 yrs old. So my son brought his bedroom tv in as a temporary and when i plugged it it the same thing happened. Smoke and gasses filled my house. Apparantly it is an electrical problem. Will my homeowners cover this? Tonight while vacuuming I unplugged my TV. After Vacuuming I plugged it back in and heard a loud pop and then it smoked. TV is less that 2 yrs old. So my son brought his bedroom tv in as a temporary and when i plugged it it the same thing happened. Smoke and gasses filled my house. Apparantly it is an electrical problem. Will my homeowners cover this?

]]> By: Jason http://www.insuranceclaimhelp.org/general-insurance-claim-questions/comment-page-4/#comment-57671 Jason Thu, 05 Jan 2012 03:53:39 +0000 http://www.insuranceclaimhelp.org/?page_id=21#comment-57671 Lupe, If we understand your post, you had a policy in force on December 4th. If your cancellation was effective beginning on December 25th, then you should have coverage for the loss date of December 4th. Lupe,
If we understand your post, you had a policy in force on December 4th. If your cancellation was effective beginning on December 25th, then you should have coverage for the loss date of December 4th.

]]> By: Lupe http://www.insuranceclaimhelp.org/general-insurance-claim-questions/comment-page-4/#comment-57651 Lupe Thu, 05 Jan 2012 01:54:06 +0000 http://www.insuranceclaimhelp.org/?page_id=21#comment-57651 I had a policy with formost. And filed a claim water damage before the holidays. I had forgot to pay my payments. They sent me a cancel. I just found the noticed and was going to pay for 2 months that I did not pay. Am I still covered for the claim I filed in Dec. 4th even if they cancel. me on the 25th of Dec. I still mailed the 2 payments. I had a policy with formost. And filed a claim water damage before the holidays. I had forgot to pay my payments. They sent me a cancel. I just found the noticed and was going to pay for 2 months that I did not pay. Am I still covered for the claim I filed in Dec. 4th even if they cancel. me on the 25th of Dec. I still mailed the 2 payments.

]]> By: Jason http://www.insuranceclaimhelp.org/general-insurance-claim-questions/comment-page-4/#comment-57382 Jason Wed, 04 Jan 2012 01:44:24 +0000 http://www.insuranceclaimhelp.org/?page_id=21#comment-57382 Shirley, Techically, your insurance doesn't pay until you reach and exceed your deductible. So, when everything is all said and done, you should have paid your $2500 deductible and your roof should be entirely be replaced. If you have found a contractor or contractors that will do your roof for less, perhaps your should evaluate if they can replace your roof without having to pay your entire deductible. Shirley,
Techically, your insurance doesn’t pay until you reach and exceed your deductible. So, when everything is all said and done, you should have paid your $2500 deductible and your roof should be entirely be replaced.

If you have found a contractor or contractors that will do your roof for less, perhaps your should evaluate if they can replace your roof without having to pay your entire deductible.

]]> By: Shirley Ramos http://www.insuranceclaimhelp.org/general-insurance-claim-questions/comment-page-4/#comment-57375 Shirley Ramos Wed, 04 Jan 2012 01:26:29 +0000 http://www.insuranceclaimhelp.org/?page_id=21#comment-57375 This question pertains to my $2,500 roof deductible. I recently had a contractor work to resolve a claim with Citizens regarding damage to my single family home roof (hale damage). Citizens initially denied the claim, but after further investigation, settled for $6300. The contractor is now stating that under the law I am required to pay my $2500 deductible on top of the $6300 for a total of $8,800 because they assisted in getting the settlement from the insurance company. Knowing that the average cost for my sq footage is $6,500 (other estimates gathered), I am just wanting to confirm if I am legally required to pay that entire deductible. Thank you. This question pertains to my $2,500 roof deductible. I recently had a contractor work to resolve a claim with Citizens regarding damage to my single family home roof (hale damage). Citizens initially denied the claim, but after further investigation, settled for $6300. The contractor is now stating that under the law I am required to pay my $2500 deductible on top of the $6300 for a total of $8,800 because they assisted in getting the settlement from the insurance company. Knowing that the average cost for my sq footage is $6,500 (other estimates gathered), I am just wanting to confirm if I am legally required to pay that entire deductible. Thank you.

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