Home Insurance Forum

Hi - we just had a house fire. We have personal property replacement value endorsement on our policy. I understand we will get ACV on our personal property and then can submit receipts for items we replace and get the recoverable depreciation.

I also understand you have to purchase essentially similar items for replacement, unless you can't, like replacing a CRT TV with a flat screen because you can't buy a CRT TV anymore.

Four years ago, we filed a hail damage claim. The adjuster came out and said the roof needed to be replaced. My insurance covered 10,000. The roof guy did not replace it because he said it wasn't enough to cover the cost, so instead he did repairs. Yesterday we had a huge hail storm and now our roof has huge indents and my gutters are damaged as well. I have heard you can't get pay for the same claim twice, but we did use the money to repair the roof. Can I file a claim?

Thank you.

Hi,
I bought a house with gas stove connected to a propane tank. The same small propane tank uses for a garden grill. The tank is outside and it is connected to stove in the kitchen by a pipe.
This is a convenient solution for me because I can change tank easily and the cost is smaller than if I would use an electric stove.
I am trying to figure out if this is against codes/insurance rules. Can someone answer me if in case of fire in my house insurance company would not honor and cancel the claim because of this?

So just bought a new condo and started the demo of the kitchen to put a new one in. Contractor sees mold along drywall/subfloor, pulls all of that back to see water seeping through the brick exterior wall, Washington, D.C. just finished about a week of heavy rain. While they are seeming to take responsibility since it's coming from a common element, how far does that responsibility go? This is about an 8 foot stretch of a total 30 foot outside wall, and my contractor (and I agree) feels that there is no way we got lucky and this is the only part of the outside wall leaking.

We are selling a house. Inspection has been completed and we agreed to replace roof. Estimates have all come in around $12-$15K. We had our insurance co. come out and they agreed to cover but they also included a LOT more such as re-staining our patio, fixing some dents on AC unit, etc. The payout was $24K. Do we need to have everything done they said they would cover when the inspection stated only the roof and both parties agreed? Or do we owe some of that back to the insurance company?

Hello-

We are in the process of purchasing a home. We knew the husband of the couple that owned the house had died, but couldn't find any further information on how.

Upon going through previous claims on the property, we came across this "Date of loss" on the day he died. Can someone explain in Leiman's terms what this means and why anyone would put in a claim against homeowners insurance for a death. Does this mean he died in the house or on the property?

Type of Loss/Description: Cpl (including Bi/Pd; Meds)

We recently had our refrigerator spring a leak in back where the ice-maker water line connects to the fridge. The result ruined our hardwood floor in our kitchen and dining room. Is this something our insurance will/should cover? It's possible (but not sure yet) that a mouse chewed through the water line. Would that matter? Would it make it more or less likely that it would be covered? Thanks in advance.

They refused to cover roof/water repairs after 14 years of continous coverage without any claims. The damage was caused by storm/wind. This has to be their practice from the corporate level. I have paid out of pocket for damage and up keep for 14 years. This company has refused to fix the roof or cover any of the interior damage. They never said what they could repair only that all the damage would be excluded.

I have been going with the backup water inside my house because of the main line is backing up, Plumbing company checked and they asked me to replace the whole underground main sewage line it's bend, so I need to know if any insurance adjust can tell me it's going to cover by my insurance, Thanks

I had a new after-market air conditioning kit stored in a Rubbermaid tote (opaque) behind the seats in my 93 Nissan pickup. It cost me almost $1800. My pickup was broken into and the air conditioning kit was stolen, among a few other things. My renter's policy excludes motor vehicles including accessories, equipment and parts - but only if they are "in and upon" the vehicle.