Home Insurance Forum

If a bank owns a home, do they insure it? Just wondering. It seems it would be a double standard if they didn't...

My house was damaged by Hurricane Irma in FL. My policy is for replacement cost on the structure. The insurance depreciated the roof & sent sent the check with $3300 held back as recoverable depreciation, which I NEED to get back.

The damaged roof was a 3-tab asphalt shingle roof. I'm replacing it with a metal roof plus peel & stick under the metal. This is a better roof & more expensive. I understand they don't owe me for the upgrade, but my invoice for repairs will state the replacement being metal.

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My roofer who I have previously been happy with for a previous major repair (good work/reasonable price) is now telling me something I find wrong in relation to recoverable depreciation but I am not an expert and I certainly am not trying to commit fraud. I'm located in Texas

Scenario is like this:

Hello. I recently had a storage locker breakin. I have home insurance which states "replacement cost addition". There is about $2000 in items missing so I am processing a claim, but I'm wondering what to do about some minor situations, for example:

Hi,

help me, please... I am here for my sister. I want to know something about personal home insurance .
For the past 9 years, I am staying in Toronto city. My family is in the US. Last month my sister got married. Her husband works as a software engineer in a reputed company in the US.

Now, due to some issues with their office work, he got an immediate transfer to their Toronto branch. He is planning to shift to Toronto with his family. He asked me the details about buying a new home. He also needs personal home insurance for his home. Opinions, please.

Hi,

help me, please... I am here for my sister. I want to know something about personal home insurance .
For the past 9 years, I am staying in Toronto city. My family is in the US. Last month my sister got married. Her husband works as a software engineer in a reputed company in the US.

Now, due to some issues with their office work, he got an immediate transfer to their Toronto branch. He is planning to shift to Toronto with his family. He asked me the details about buying a new home. He also needs personal home insurance for his home. Opinions, please.

Hi,

I am currently paying $1600 for home owners insurance on a duplex. The property was bought for 175k. I shopped around online yet ended up meeting this guy in a store randomly. Problem being, the reason I would even want insurance is to cover tenant damages. They say my policy does not. I inherited both tenants and have decide to rehab once they get a place to move to. They do not pass my qualifications for an apartment.

Do I switch to landlord insurance for piece of mind? If so how much do people usually pay for such coverage?
Please help.

Hi,

Our friends are moving bank to UK for a few years and in the meantime will be letting their house on long term let. They say their house insurance covers them - is this correct? I though that you had to declare if your home is being rented out to the insurance company, otherwise it could be void if a claim is ever made for damage to building.
Please help.

Thanks!

I didn't find the right solution from the Internet.

References:http://www.talkquesada.com/quesada-general-discussion-f9/home-insurance-t11271.html

Hi,

If your home insurance sends a contractor to repair something and that repair is defective who is liable to a charge of negligence? Is it the Insurer or the firm that carried out the repair?
Please help.

Thanks!

I didn't find the right solution from the Internet.

References:https://www.freeindex.co.uk/business-advice/claiming-for-bad-work-commissioned-by-insurance-company_4943.htm

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