Home Insurance: Home owners guide to insurance

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PostPosted: Tue Apr 20, 2010 7:34 pm   Post subject: Return to original condition?  

Hi:

I'm a homeowner, insured by the same insurance company for the last 45+ years with only one very small (@$3000) claim over all of those years. In January we had a sewer backup in a powder room that had just been refurbished from top to bottom. Sewerage backed up UNDER the ceramic tiles and oozed up through the grout lines. The insurance company deemed it necessary to remove the tiles to make sure that there was no moisture or mold remaining. This left the level of the concrete floor built up to a height where it has to be "power chipped" to take it down to a level where the replacement tiles will fit evenly with the threshold and under the metal rim of the toilet sewer pipe. The problem lies in the fact that in originally refurbishing the room (3 years ago), we had custom, handmade wainscoting built directly onto the walls, on top of the tile floor. This was done so that the tiles would butt up against the walls, not the wainscoting. Now that the tiles have been removed there remains jagged edges of those tiles sticking out from under the wainscoting. The insurance company doesn't want to pay to have those tile remnants removed so that the replacement tiles, (exactly the same as the ones removed), can again slide under the wainscoting. They want to have the jagged edges cut off and the replacement tiles butted up against the remnants which will still be notched and uneven under the wainscoting. This will leave huge gaps under the wainscoting in places where some pieces of the tiles were broken off unevenly. In doing it this way any water on the floor will eventually end up in pockets under the wainscoting. The insurance company sees this as being fair. I see it as a "make-shift solution". I didn't design this room to have tile butting against wood wainscoting. I didn't design it to need latex caulk where the floor meets the wall. I designed it in a very mindful and functional manner. What do I need to do to convince the insurance company that cutting off jagged edges of tiles and butting the new ones against jagged edges is not being "made whole" again?

LadyHomeOwner
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PostPosted: Fri May 07, 2010 1:19 pm   Post subject:   

You probably need to call them a few times in a day. Such things are usually in the hands of the administrative department. Maybe appealing to their good sense works??? You never know.

randyolson
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PostPosted: Mon May 17, 2010 10:22 pm   Post subject: re: return to original condition  

I would have the opinion of a licensed contractor in writing to present to the adjuster.


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yoyo
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PostPosted: Fri May 21, 2010 2:28 am   Post subject: home owner  

Daughter's split unit froze up in the attic and leaked into her bathroom ceiling. Now she has to replace unit and bathroom ceiling. Will insurance cover any of it.

debra917
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PostPosted: Sat May 29, 2010 9:33 pm   Post subject: RECOVERABLE DEPRECIATION  

WILL I GET THE RECOVERABLE DEPRECIATION CHECK WITH A REVERSED MORTGAGE

LADYBLUE777
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PostPosted: Wed Jun 16, 2010 3:04 pm   Post subject: Personal property stolen from car in driveway  

Will a homeowner policy cover property stolen out of my car that was vandalized while in my driveway?


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anonymousJ
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PostPosted: Thu Jun 17, 2010 4:44 pm   Post subject:   

A homeowners insurance policy normally covers personal property off premises. If you have this coverage on your homeowners insurance policy the items stolen from your vehicle should be covered.

However, any other damage to the vehicle will need to be claimed on your auto policy.

The problem here is that you are normally subject to two separate deductibles for one incident. The auto insurance deductible for the damage to the vehicle and the Homeowners Insurance deductible (which is often faily high) for the items stolen from the vehicle. Not a great situation.



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InsuranceDude
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PostPosted: Wed Jun 23, 2010 7:57 pm   Post subject: air conditioners  

Does home insurance cover the cost of replacing/repair on air contitioners?


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Amee
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PostPosted: Wed Jun 23, 2010 9:05 pm   Post subject:   

Typically homeowners insurance will not cover the repair or replacement of an air conditioning unit. Unless, the damage was caused by a covered peril on the policy. Such as a fire or lightning or something like that.

Mechanical breakdown and normal wear and tear is generally not covered under a homeowners insurance policy.



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InsuranceDude
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PostPosted: Thu Jul 01, 2010 10:34 pm   Post subject: Thing of Value  

I am wondering if I should get this I don't have much things of value but only a Drumset should I still get the insurance

drumbrat
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PostPosted: Thu Jul 01, 2010 11:16 pm   Post subject:   

Depends on how expensive that drum set is...do you own your own home? or do you rent?



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Lori
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PostPosted: Mon Jul 05, 2010 7:10 pm   Post subject: Home Insuarence  

Safeguard your Home against Burglary



Your home is definitely one of your most prized possession. It is the place you belong... a place you come back to... a place where you live happily with your loved ones. The most common incident that threatens your home's security is Burglary. There is no fool proof method to prevent it completely, but you can definitely take some steps to avoid it considerably.

marteen123
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PostPosted: Mon Jul 12, 2010 10:20 pm   Post subject: premium increases  

will my company raise my homeowners premium if I have a claim?


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uncertain
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PostPosted: Mon Jul 12, 2010 11:30 pm   Post subject:   

Quote:
will my company raise my homeowners premium if I have a claim?
maybe, WAY TOO many variables, ie: amount of claim, type of claim, how many claims, your states guidelines, your carriers underwriting rules etc.



What is the claim for? What state are you in?


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Lori
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PostPosted: Wed Jul 14, 2010 6:43 pm   Post subject: Liability for injury to visitor on property  

a visitor to my home was sitting on the deck. The deck caved in and he fell to the ground and was unconscious. the ambulance took him to the hospital were he has remained for 3 days. He is still in the hospital and I suspect the bills are going to be very expensive. I called my home owners insurance company and they tell me they only pay $1000. Can this possibly be true? I am in the State of New York. If this is all there is then this is the same as no coverage at all


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Janice J
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