Advice for insuring lines into home Insurance |
- Advice for insuring lines into home
- [IL] Property damage - Insurance not paying
- My dad's insurance through his employer is kicking me off at age 24, can they do that?
- Am I inadvertently committing insurance fraud?
- how do Insurance company recognize the Doctor prescription?
- Rear ended, how does insurance work?
- (Slightly complicated, I apologize) Parent’s Employer requiring me to have my own insurance? If so, which should I get?
- Insurance items in my new office.
- Hit parked car with uhaul, I have no driving insurance...
- I was in an accident that was my fault what to look out for (TX)
| Advice for insuring lines into home Posted: 29 Apr 2018 09:54 PM PDT Just a quick question, I own a condo and have water, gas, and electrical lines that run into the home, as well as sewer running out, lines in the home, etc. It was brought to my attention that the lines are my responsibility even from the main to the condo, even though I'm only technically responsible for walls in. I'm just kind of confused on this, and not sure if I need to actually insure these lines or not. I had a water main break in my driveway, which was the water companys responsibility, but that's what got me thinking about it. It's $15 per month per line selection, and there are 8 different options, so to select them all would be $120 monthly, which is half of what I pay annually for the condo insurance. Is the line insurance really necessary? Am I truly liable for those lines? Any advice as to which I should insure if any? It's all through a third party insurer, as my provider doesn't offer coverage for this on a condo. I'm just thinking if the main was corroded enough to burst then the lines to my home may not be in the best shape, but from what the neighbors have told me, all the mains have had issues over the past several years, and the water company always fixes it. The line from the main to my home is only 10'-15', so I hate paying that much for insurance if its not necessary. [link] [comments]  |
| [IL] Property damage - Insurance not paying Posted: 30 Apr 2018 12:33 AM PDT My condo in Chicago was damaged by water leak from the unit above two months ago. Their insurance (State Farm) has accepted liability but not made any payments so far. I last spoke to their adjuster a month ago and she said that they accept liability and need to review the contractor estimates. She said that they will contact me to offer a settlement but they will only pay if I sign that it is a full and final settlement. There has been no follow-up since then. I have called a few times and have not received any response. I opened a claim with my insurance and they have made multiple partial payments totaling about $30,000 up to our coverage limits and we are looking towards State Farm to reimburse the balance (approximately $32,000). It includes my deductible, structural repairs, additional living expenses, and personal property replacement costs. I haven't included any loss of income or damages for the emotional distress and suffering caused by this disruption. My partner and I worked from home mostly (and paid for high speed internet) and it has significantly affected our work. Our two year old child has suffered because we have been moving around and staying in non baby proof hotels for the past two months. What are my options? I'm reading that I should be sending a demand letter to the insurance company work on the final settlement. If they don't agree, is the only other option filing a lawsuit? Regarding the full and final settlement, do I have to agree to sign? What if there is additional damage that is discovered later? All of our recovered property is in storage at the contractor's location and we did not have time to go through everything to see how bad the damage was. I'm also worried about any risk of mold later. [link] [comments]  |
| My dad's insurance through his employer is kicking me off at age 24, can they do that? Posted: 29 Apr 2018 08:42 AM PDT We live in Michigan. My dad is retired via disability (had a heart attack in the 90s and he worked in the warehouse). I'm not entirely sure how it works exactly but he still gets insurance benefits through his company (coca cola). He told me their rules say kids have to be in school and can't be on past age 24. I just turned 24 and lo and behold they took my insurance benefits away. I'm pretty sure under obamacare 26 is the cutoff age. My dad said it's 24 because he's retired. Is that something they can do? [link] [comments]  |
| Am I inadvertently committing insurance fraud? Posted: 29 Apr 2018 11:24 AM PDT Hello, I am living in Oregon, and had BCBSIL through a parent (I'm 23) until very recently. I signed up for the pilot period of commercial/clinical gut health analysis company (omitting details for privacy reasons). They send me 6 test kits where I submit fecal samples, they analyze them and send me a PDF report about my gut health. Kinda nifty. The tests are around $1500 each (I did 6) and billed to insurance. I have it in writing several times from their support team that due to the fact that I am participating in a pilot period, we are not responsible for what our insurance company doesn't cover. I've been doing this for a few months and have yet to receive a bill from the testing company, ONLY a few EOBs from BCBS. My question is, BCBS applied this "out of pocket cost" that we aren't actually responsible for towards our deductible. This helped my dad avoid a $2500 charge for sinus surgery. So basically, we hit our out of pocket max on paper, but have only had to pay a small portion of it due to this free pilot period gut testing. Is this fraudulent? Are we just lucky? We are NOT intentionally hiding anything from our insurance company. Side note: I work at a nonprofit that provides medical services to the underinsured, and sometimes we write-off their co-pays/out of pocket costs if the families can't afford it, while the out of pocket cost is still applied to their deductible. I don't know how this would be treated differently. [link] [comments]  |
| how do Insurance company recognize the Doctor prescription? Posted: 29 Apr 2018 08:41 PM PDT Doctors have really bad handwriting, not many people can read it. I was wondering of insurance company recognize the doctor prescriptions? [link] [comments]  |
| Rear ended, how does insurance work? Posted: 29 Apr 2018 11:43 AM PDT So I got rear ended at a red light by an F150. I drive a Ford Focus. The pickup pushed me into a GMC Acadia in front of me. Needless to say, the car looks like an accordion. The F150 driver insurance company informed me that they are accepting 100% of the fault, but advised me to contact my insurance to get started on the process of an adjuster looking at the car and if I needed a rental (which I do) to go through my insurance company and they'd work it out through subrogation. Is that the correct thing to do? Will my insurance premiums go up if I do that with my car insurance? I live in FL if that helps. F150 insurance is Progressive, mine is Geico. [link] [comments]  |
| Posted: 29 Apr 2018 03:03 PM PDT I apologize if any of this is unclear, I'm trying to untangle it myself. Some background, I'm under 26, mom is currently employed and on an active health plan (Cigna PPO, if it matters). She has more or less a ridiculous plan, $0 deductible, refunded copays, etc. I'm in CA, plan is in NY. I'm starting FT at a company at a company that offers a... lot of options. Some of them the company pays 100% of premiums, others is the more usual employee/employer split. The "best" coverage I'm being offered at $0 or very low is either (just providing a reference based on what they say in the info book) is a 1000 deductible "Gold" PPO or $0 deductible "Platinum" Kaiser HMO ($1 premium). I know if I end up taking a plan hers will be secondary. So I guess two questions 1) am I required to take a plan from my new employer? Or if not required, would doing so be beneficial? 2) If I do join a plan, does it make more sense to sign up for the PPO or the HMO? (I can provide more info about them if that helps) [link] [comments]  |
| Insurance items in my new office. Posted: 29 Apr 2018 05:54 AM PDT Hello, I'm a freelancer who recently started an LLC and I'm renting a small office space to work out of (200 square feet). It seems that many of the major insurance companies don't cover my 'industry' (writing/editing services) for general liability and the ones that do don't have adequate insurance for my personal/business items. For instance, bizinsure offered up to $1000 in protection. Is there a policy which covers personal items that are used for both business and personal use? My main concern at the moment is theft. If I can find a policy that covers the items when they are outside the office, that's a bonus. Thanks for any and all help! [link] [comments]  |
| Hit parked car with uhaul, I have no driving insurance... Posted: 29 Apr 2018 03:49 PM PDT Hello, here are the details: * We live in Chicago * Friend rented a uhaul with Safemove insurance (not plus) * I was driving the uhaul and scraped a parked car * I have no car insurance (I don't have a car) * The car was in a tow zone I left a note on their windshield with my name and number, but unsure what to do. Please let me know what actions I have to take, and thank you in advance. [link] [comments]  |
| I was in an accident that was my fault what to look out for (TX) Posted: 29 Apr 2018 07:51 AM PDT Yesterday I got a call from my insurance company that the other person is claiming to be injured and has an attorney. My question is what to look out for (traps) and how to not be taken advantage of. Lastly, I've never been in an injury accident so what does this process look like- what should I expect? Thanks. [link] [comments]  |
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