Question by K-: when you have a flood in your home and you are at fault, will the home-owner’s insurance co pay out?
We had a flood in our home, due to a hose not being replaced where it needed to be to empty the water out of the house from our washer. Will a home insurance compay payout if it was our fault that the hose fell out of the correct spot? Should we disclose this info? Thank you.

Best answer:

Answer by tink
You should check your insurance policy because most of them dont cover flood insurance. You usually have to buy separate insurance for that.

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Question by : Can a mortgage company keep money from a homeowners insurance settlement without paying contractor?
I work for a contracting company and recently we changed the roof on a house that was damaged by a storm. The insurance company sent a check to pay for the work done on the roof. The check was drawn out to the owner of the house and the mortgage company, the owner told the mortgage company to keep the money from the insurance settlement to pay for his past mortgage payments and now the owner has not paid us (the contractor) and the mortgage company refuses to hand over the proceeds to us (the contractor), when the roof has been completely repaired. Is this legal?

Best answer:

Answer by ♥♥The Queen Has Spoken♥♥
Since the check was written to the owner and the mortgage company who ever cashed it can do what ever they want with it.

Sue them for payment.

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Question by punkangel070: How do homeowner’s insurance companies know if people lie on claims?
If a person filed a claim for theft, burglary, or anything of the sort, how do the insurance companies know if they’re lying or not? Even if people provide receipts or pictures, do they go through a process to make sure that the item was purchased by that person? You also have the right to black out any personal information, that way your credit card information will be secure. So what do insurance companies have to work with? If someone’s crafty enough, they can forge receipts, take fake pictures, or find some way to obtain owner’s manuals to provide fake proof.

Best answer:

Answer by Misty
So what are you really looking for the formula to make a fraud claim?

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RAYTOWN HOME OWNERS INSURANCE AGENCY HOMEOWNERS AGENTS MO Jim Keal Insurance Agency, Inc. 11308 East 23rd Street Independence, MO 64052 816-254-4331 www.kealinsurance.com RAYTOWN HOME OWNERS INSURANCE AGENCY RAYTOWN HOMEOWNERS AGENTS MO
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Serving as a negotiator between the property owner and the insurance company, we at Metro Public Adjustment can make the difference between the minimum amount that the insurance company offers and the maximum amount that the property owner is entitled to. Here is a brief overview of the public adjusting process.
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Did you just receive an email asking for more information? Are you wondering why I ask some many personal questions? Here’s your answer! Created on March 2, 2012 using FlipShare.
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Question by JY: Can a homeowner’s insurance cover an auto stolen because keys were taken from break in to home?
My friends home got broken into and car keys were stolen and with that stole the vehicle. The vehicle only had liability insurance. Now both homeowners and auto insurance are telling them that they won’t pay for that loss. Is this correct in any way? The vehicle has a value of $ 7K. Would obtaining an attorney be helpful?

Best answer:

Answer by kevw25
If he only has liability, then he is SOL.

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Homeowners insurance is a package policy that covers not only the structure itself, but also the contents of the house and any injuries that occur to a third party. Purchase homeowners insurance when buying a house, refinancing a house or renting an apartment with information from alicensed insurance salesperson in this free video on insurance. Expert: Ned Leutz Contact: www.webberandgrinnell.com Bio: Ned Leutz is a licensed insurance salesperson at Webber and Grinnell insurance in Northampton, Mass. Filmmaker: David Pakman

Jason Fleming of Keller Williams Realty and Group 46:10 talks to home insurance agent Sam Rames with American Family Insurance about how insurance companies determine the price of a home insurance policy.
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Homeowners insurance is a package policy that covers not only the structure itself, but also the contents of the house and any injuries that occur to a third party. Purchase homeowners insurance when buying a house, refinancing a house or renting an apartment with information from alicensed insurance salesperson in this free video on insurance. Expert: Ned Leutz Contact: www.webberandgrinnell.com Bio: Ned Leutz is a licensed insurance salesperson at Webber and Grinnell insurance in Northampton, Mass. Filmmaker: David Pakman

Jason Fleming of Keller Williams Realty and Group 46:10 talks to home insurance agent Sam Rames with American Family Insurance about how insurance companies determine the price of a home insurance policy.
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Angie’s List tips on making sure you have enough homeowner’s insurance should catastrophe strike.
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