Question by Independent_guy: Home Insurance Claim due to Tornado damage: will insurance company agree to pay me instead of contractor?
Hi, will the insurance company agree to pay me say $ 5,000 instead of paying the contractor directly, and allow me to hire someone else? How does it work technically? I get $ 5,000, then if I am able to find contractor I like for less say $ 4,000, I get to keep the rest!? (pls assume example of $ 5,000 is based on a quote insurance company got from a contractor) THANKS.

Best answer:

Answer by Ginger
Yes, you may choose to do your own repairs. The estimates the contractor provides are just that, estimates.

Be aware though that the insurance company may only pay you a partial payment until all work is completed. Once the work is totally done you will receive the remainder of the replacement costs.

Make SURE you go with a contractor who is licensed and insured. There are way too many out there who take your money and leave you with unfinished work. Get referrals from your agent and ask the contractor for names of clients he has done work for before. Be sure to call those clients.

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Question by ReggieT: Whats the best way to handle Home Insurance Claim Adjusters during damage estimate of my house?
Recent tornado winds and heavy rains have damaged my shingles and caused water to leak through to one bedroom ceiling!

I’ve heard much about how they do their best to keep from paying you for damage! I just want to know my rights. Farmers Insurance is my coverage. Thanks

Best answer:

Answer by Jeffrey S
It depends on your coverage, but I would try to get an estimate for the needed repairs before the adjuster comes. That way, if you have any questions with his estimate, you already have back-up information. If you are not satisfied with his final product, talk to your agent about where to complain to next.

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Question by : My home is in foreclosure. Can I make a home insurance claim due. Will bank take money due to late payments?
If I get a check from the insurance company, I need to get the bank’s approval/ authorization, along with the credit union for the 2nd on the home. Will the Bank who holds the 1st take the money and apply to the back payment that I am currently late on (5 months)?

Best answer:

Answer by troyboy
You should call a lawyer and discuss filing a Chapter 13 bankruptcy. That will take all the money you are behind on the house and spread it out over 5 years. You’ll still have to make the regular mortgage payment – plus the trustee payment to catch up.

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Question by Mariobro1: Is it better to file home insurance claims seperate or just one claim?
My home sustained some damaged due to a snow fall back in december. I didn’t file a claim back then and now that I got some shingles damaged due to strong wind i would like to file a claim. I was told that i might need to file 2 seperate claims. Would it make a big difference if i put it all under just one claim instead of filing 2 seperate ones?

Best answer:

Answer by bull_rooster_aardvark
I think one claim is better (even though the amount is the same either way its just one tick on your insurance, not 2) but if it was 2 seperate incidents you may need to file twice (any way you can say both problems were caused by the same thing).

Also, if the amounts are not that great you may be better off paying either one out of your own pocket. With lots of claims your insurance premiums will go up (or possibly even get cancelled) and the claim may actually end up costing you money in the long run.

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Question by bailey b: home insurance claim for Kitchen fire. Should installation be included with the claim?
We had a kitchen fire in our home a few months back. They are getting into the installation of everything but going over the claim, it covers items to be removed, and covers materials (minimally) but it doesn’t cover for anything to be replaced. So all the installation is being taken out of pocket and out of our materials budget. Does this sound right? I thought if its covered to be removed they’d cover for it to be put back.

Thanks for any help in advance.

Best answer:

Answer by Edd S
The insurance should cover everything needed to you back to as-was condition. If you are not satisfied contact the head office of the insurance company you are dealing with. Many use contract appraisers and many are lousy and seek brownie points for getting the company off cheap. This though does make for bad PR for the company.
If nothing else works contact your state’s Attorney General’s office consumer affairs or the officeof the insurance commission. The former is more active on consumer’s behalf usually. A phone call or two can likely get you a better resolution.

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Question by hoodoc35: I am looking to find a hand written home insurance claim and policy for allstate.?
I am an insurance adjuster and will soon be taking a test in Dallas Texas with Pilot Catastrophe. They deal with Allstate insurance. I need to find a policy to study and a hand written insurance claim to study as well.

Best answer:

Answer by mbrcatz
I’d call a local Allstate agent and ask them for this.

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Question by : My wedding rings disappeard out of my home 10 yrs. ago has it been too long to claim them on my insurance?
My wedding rings disappeared out of my home 10 yrs ago. Every time we have done a home project or replaced carpeting we have been careful to search for them. Do you think it has been too long to claim them on my home owners insurance? I would really love to get them replaced.

Best answer:

Answer by car253
It is too long ago. Statue of limitations have run out.

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Question by Henry L: Can someone claim on your home insurance if something hit there house during a huricane?
My carport took off during huricane Gustave and hit the bottom left side of our neigbors house doing little damage. This was told to me yesterday 11/7/08 my neigbor and said he was claiming it on my insurance!

Best answer:

Answer by Pat W
yes they can it was your property that hit there house

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Question by : How do I find out a neighbor’s home insurance provider to file an accidental injury claim when they withhold?
Their child injured my child, and I have medical bills totaling around $ 1,100. I know they have coverage due to it being a new home and not paid off.

Best answer:

Answer by Christin K
You need to hire an attorney for this one and file a lawsuit against them. He or she will find out who the provider is and file the claim.

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Question by harrypotterisgreat: Does your home insurance premiums go up if you file a claim?
Due to our winter weather my moms has sustained some roof water damage. Its leaking into her ceiling and she has to put bowls out to catch the dripping water. She doesnt want to call Farmers Insurance to make a claim because she fears her rates will go up. Is that true? She has never filed a claim before.

Best answer:

Answer by jwishz
It is not necessarily so that your rate will go up. Do you have an estimate for repairs? What is her deductible. If there is a very little difference just pay it out of pocket. If it is significant, file a claim. However, a roof leak, unless it was caused by a storm may not be covered. Be sure to check the coverage and exclusions of your policy. Your agent can/should help you with this. No harm in asking. Farmers is a reputable company.

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