If you have home owners insurance, is it normal procedure for the insurance company to tell you you have to redo your garage roof or they cant insure you, and will they be responsible for some of the payment?
216797
Yes, it's normal for insurance companies to tell you that they can not insure due to a particular condition.  There's the usual wear-and-tear that insurance do not cover.  You do want to make sure that you maintain your property and do the best you can to prevent any damage.  I don't think the insurance will reimburse you amount you spent on maintenance, but you definitely want to be adequately insured at all time by complying their recommendations.
636319
Mortgage insurance can mean several different types of insurance.\n\n1. (a) If you are purchasing a home and are requested to carry mortgage insurance this is an insurance policy that protects the lender if the mortgagee fails to pay his mortgage.  It does not insurance the property or the home owner.\n     (b)  a mortgagee can obtain mortgage insurance when purchasing a home to insure the title of the property is clear if any problems arise while the homeowner has the home.  This is a one time fee paid when the home is financed.  Most homeowners do not get this type of insurance.\n\n2.  Mortgage insurance can also be mistaken to mean home owners insurance.  Homeowners insurance covers the property up to a certain dollar amount and the homeowner will choose the insurance company.  \n\n3.  Some people believe that mortgage insurance is insurance that will pay off the remaining debt on a mortgage if the mortgagee dies.  Simply put it is nothing more than a life insurance policy that pays off the mortgage.  Some lenders offer this coverage, some do not.  Alot of times it is cheaper to get a term life insurance policy.
408516
First step is to read your contract.  There is a section that deals with "losses we cover."  Read it and the accompanying "losses we do not cover" section very carefully.  In most contracts, accidental release of water is covered, but there are often exclusions for back-up of water (unless you purchased this coverage separately as an endorsement to the policy - often called sump pump or water backup).  If you have questions, you should contact your agent (assuming you purchased through an independent agent).  If coverage would not be afforded, do not file a claim\n\nThe next place to look for help is your warantee.  At purchase you should have been offered the option to buy a homeowner's warrantee.  If you purchased this coverage, it will likely cover the damages and repairs minus a small deductible.  \n\nIf you didn't purchase that coverage, likely your home inspector did not check for this while he did your home inspection.  You can check CLUE (Comprehensive Loss Underwriting Exchange - see your agent about this) to see if a related claim was ever filed.  \n\nDefinitely get a second opinion about the cost of repair.  \n\nI hope you get your issue sorted out - best of luck!
370672
It is very important to understand that in most leases of this type you are responsible for just about everything in the space. This includes air conditioning. The owner is responsible to provide a roof, walls, floor, building code compliance, power from the pole to the electrical box, and water from the meter to the main valve after the meter. Everything else is yours to repair. Be sure to have a full inspection done of the systems involved. Be sure utilities are in your name and not shared with other stores. If it is shared, be sure that the calculation for your space is accurate.\n\nThere is also the possibility of what is called an escallation charge. This has a base year for owner expenses for the property that can be billed back to the tenants each year. They look at the base year costs, (usually the year you lease) and compare it to present costs and allot the difference equally between the tenants based on square footage.\n\nContact several commercial property leasing companies. The best would be to have an agent act for you in this manner in order to be sure all of your rights are protected. I strongly recommend this since this is your first experience.
635230
It's way too risky, you need permits for that kind of repair and for City Inspectors to buy off the work done.\nIf you plan to sell the house later, and you have had work that was done without  permits, you may have to have them redone, to secure the sale. The buyer may have a problem getting a mortgage to buy your house.\nThen as you stated, roof repair, can be hazardous, and if he or a worker falls and gets injured, you may be up the creek.\nFor smaller jobs, he may just be the man, but for something as large as a roofing job. Go with licensed    contractor, that way you at least have coverage and if the job isn't done right, some recourse in court.
458334
First of all I would NOT hand him cash.    He could take the money, hire a cheap outfit (or his nephew!) and pocket the difference.  IF you pay, you're going to pay the contractor directly, AND YOU are the one keeping the receipt, not him.  YOU are the client here.\n\nSecond, I would check and see if your "accidental damage" is such that you could be held legally liable for it.\n\nThirdly, if it WAS his insurance company paying, they would pay for the CHEAPEST estimate, not the highest one.  So don't feel obligated to fly in some fancy outfit from Hollywood.  \n\nSo, if it were me, I'd tell him, hey, sorry, I'll pay (lowest estimate) just like your insurance company would have, but only if you hold me harmless for all further damages, and sign off on this form.  jBecause otherwise, he can come back to you next year looking for more.\n\nAnd, you paying ANYTHING is more than he'll get anywhere else.  You *might* want to make the offer in writing, certified, return receipt, because if he sues you over it, you're going to need to prove that you tried to settle it fairly.
266394
Your homeowners' or renters' insurance will cover stolen personal property sometimes even if it is not at your home/apartment.\nVERY IMPORTANT:  There are two kinds of this insurance:\n\n1. Actual Cash Value\n2. Replacement Cost Coverage\n\nIf you want a new item, then you need to buy replacement cost coverage.  It will pay what ever it costs to replace it.\n\nIn an actual cash value policy, the insurance will only pay whatever the item was worth at the time....in other words the used price...not what it costs new.
551569
Companies will not negotiate rates with you.\n\nHowever, I have heard of companies who match competitor's rate offers for business they already have.  Since state insurance regulators have to approve each company's rates, I'm not sure how insurers get away with that but they do.\n\nIn terms of why your rates keep going up.....it is totally dependent on the claims experience of your company.  If your company faces higher and higher claims costs.....you will pay more in higher premiums, even if you've had no accidents.
635725
Consult a local lawyer.  It shouldn't cost for a consultation.\n\nThere are lots of issues raised by your question, enough that even if an answerer actually knows Canadian law they would not be able to provide a full answer.  I for instance don't even know enough about Canadian law to know whether it is just Canadian law that matters, or if provincial law also matters.\n\nHere are some of the issues:  does title insurance cover it, under the law or under your specific policy?  If not, do you have a cause of action against for fraud, intentional or negligent misrepresentation, against the seller?  Or for negligence or nuisance against the parking lot operator?  Or against the inspector who inspected the house prior to purchase?  Is there another insurance policy that might cover the damage -- either your own, or the parking lot operators?  Is there a statute of limitation issue, given that this happens every Spring?\n\nYou will also have to have a damage assessment, including your foundation.
115736
All good answers above, but to take it a step further, you might want to contact your local Better Business Bureau and file a complaint.\n\nHey, it worked for me.  Lowe's tried to stick me for an additonal $1,400 on my home roofing project a month ago.  I paid it, complained to the BBB, and got it back.
475743
it really depends on what line of business you're in.  i was an auto adjuster for 6 months and i really don't know if i would ever do it again.  as it was said, people get really crazy, many people think insurance should just be an open checkbook and they should get paid whatever they say.  an insurance company's job is to pay what is legally obligated to pay, no more, no less.  when you pay a premium, what you are doing is paying a contract for the company to absorb some of your legal obligations.  i've worked in worker's comp and am now in property.  all have been business lines, and so i can't speak on what personal lines would be like.  as someone said, it's a great leg-in to the insurance industry if you are after it and there is always a demand for adjuster's in all lines of business.  just don't make the mistake of thinking it will be a breeze job.  very few people are happy when they have to file a claim and as you can see, many people think you are out to stiff them.  you will deal with that kind of attitude daily.  if you have the personality to deal with that, go for it.  just make sure you are compensated appropriately and make sure you get proper training.  you don't want to go in unaware.
58316
For a company that is not reputable, the offer of additional insurance is basically a scam to get the workers a “tip.”\nIf you have witnesses to their mishandling of you items, you might go to small claims court and get some additional compensation, but without independent witnesses, you will probably loose the case.
154169
The cost to insure a home depends largely on what the dwelling amount is.  The dwelling amount is what the insurance company will pay to rebuild the structure of your home.\n\nAn average dwelling amount is usually in the neighborhood of $125 per square feet.  So at 1000 sq feet you would have about $125,000 in coverage.\n\nThen depending on your location, type of roof, proximity to brush area you should be able to find insurnace on the low end of $600 per year to as much as $1200 per year.\n\nThe larger premium reflects homes in higher geographical risk areas.
111347
Not having your own insurance to go after the other drivers insurance is always difficult.  You may need to hire an insurance lawyer.  If you have the police report that states the other driver was at fault, then you are in the right.  It sounds like the other driver has a shady insurance company.  Probably one of those last chance places that will insure anybody.  His insurance should have repaired your car by now.  Have you told the insurance company that you have the police report?  If you have, and they have not responded to you, you need to obtain the services of a lawyer right away.  You can always include your legal fees in the settlement with the insurance company.
511636
You won't need to sue your father.\n\nHis homeowner's insurance will not pay for the vehicle damage.  All damage to all vehicles are specifically excluded from homeowner's policies.\nIf you have comprehensive coverage on your car, then your auto insurance policy will pay the claim and if the fire was negligent your insurer may file a subrogation claim on the liability portion of your father's home owner's policy.\nIf you had personal property inside the vehicle, then your own home owner's policy will pay up to the policy limits for those items like clothes, CDs, household items that you may have had in your car while it was in your dad's garage.\n\nA big word of caution though.  PLEASE be patient with the insurers you make claims with.  This is a bit of an unusual event with some odd circumstances and they'll need to thoroughly investigate.
529223
Depends on the contract you signed. I'd suggest you read it again. My feeling is that the landlord is responsible for it. But I don't know for sure.
109844
It depends. If you are in a state with no fault insurance then you are probably screwed.  If not, you have to get in touch with them to get to their insurance company to get your car repaired.