Home Insurance Claim

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Filing And Winning An House Insurance Claim

It is easy to apply for home insurance your agent will assist you through creating a quote in the second and signing your policy super fast. But most problems occur when it is the time to get making a home insurance claim. You will be surprise that your as soon as accommodating agent will become a skittish one whenever you drop the word ‘claim.’

It is easy to file a house insurance claim, but winning one is not always the truth. Insurers will always find reasons (or excuses, as other’s state) to reject the claim. Among the reasons are that your declare is not within the insurance coverage, the period within which usually to file a claim has elapsed or your claim exceeds the quantity that is actually ‘claimable.’

So, in order for one to win a home insurance state, why not follow many of these steps Primarily, examine your claim situation. Is it your first time to file a claim for that first two to three numerous years of paying for the policy If so, is your house immensely damaged If not, it will be better not to file for any claim at all. You will not know when a disastrous damage will minted your home. It is best to keep your insurance claim for something bigger rather than small. Insurers will likely to be able to grant one claim for a huge harm than many promises for small types.

Afterwards, immediately after damage or losses are already sustained, call your agent to report the incident and ask him for an application to file claim. You will also want to contact a home repair company like HRS Roofing to get a quote to see how much damage really happened to your house. Question of the period with regard to filing and where exactly to file. While you might have an idea how to file for a home insurance state, it would be best if the instructions on how to declare one comes from your pet. It would even be better if you put the query on paper. In this way, you will be assured in which everything is document.

Should you file on time and you also think that your claim is meritorious (just re-read your policy to understand if your claim is actually valid or invalid), you can expect for a fast turnaround of a house insurance claim.

Comments: 120

  1. Samatha March 8, 2013 at 3:50 am Reply

    my boyfriend knocked my mac off the bed and the screen is cracked, like on the inside and the colours run on the right side. Someone said I’d be able to claim this on home insurance, is this right? the laptops gurantee has run out and i bought it off my friend.

  2. Trista March 12, 2013 at 8:48 am Reply

    My home insurance company sent me a letter saying they are going to terminate my policy in few weeks because the roof is worn and needs to be replaced, but I bought my house a year ago and it passed inspection and my inspection paper says i have 3 to 5 more years left on my roof so i don’t understand why or how my home insurance company can just terminate my policy. By the way the home insurance company is TRAVELERS if that helps.

  3. Addie March 12, 2013 at 10:51 am Reply

    for my rental property? Is it a good idea to switch home insurance to rental insurance when a tenant is living in my rental property just in case if they smashed some holes on the wall, or some damages on the property?


  4. Blaine March 12, 2013 at 12:28 pm Reply

    I am an insurance adjuster and will soon be taking a test in Dallas Texas with Pilot Catastrophe. They deal with Allstate insurance. I need to find a policy to study and a hand written insurance claim to study as well.

  5. Gwyneth March 12, 2013 at 12:33 pm Reply

    I am considering getting new home owner insurance. I did have a major claim with my current insurer and now my rates have gone up. Am I under any obligation to let potential new insurers about my previous claims, or is this disclosure not necessary and considered my own personal information that they might seek to get.

  6. Ariel March 12, 2013 at 12:46 pm Reply

    Our home was broken into last night. Police report made. Reported to the insurance company. Anyone know how long this type of thing takes to process and get the items replaced/$? This is Liberty Mutual Home Insurance.

  7. Sherill March 12, 2013 at 2:08 pm Reply

    I was told by my ex that a home insurance agent was coming to look at the INSIDE of my house. I was under the impression only appraisers came to look at the inside of your home. Do home insurance agents do that now too? What’s the cheapest home insurance?

  8. Brent March 12, 2013 at 5:33 pm Reply

    I’m new at this, I have a house I rented out, so if I have to claim the monthly income, can I also claim that home insurance and property tax as a business expense? Anything else I can claim?


  9. Gayle March 12, 2013 at 5:36 pm Reply

    Or is the contract discharged by the death of the insured?

    My wife is the only child of an aged father who has bequeathed all to her in his will. He currently has a home insurance claim because his house was burgled. He is having trouble administering the claim. He has said if we administer the claim we can have the money.

    My question is whether we face a time-pressure because of his advanced old age. If he dies before the insurance company has paid out the claim, does that mean the claim dies with him? Or would she inherit his right to the insurance claim?

  10. Ai March 13, 2013 at 1:50 am Reply

    I have home insurance with a reputable and well known insurance company. I came back to my flat one day last week to find the lock smashed, so I immediately called the police and they came and opened the door and went to check the flat was empty and the burglar wasn’t still in there. Then I filled out the police’s forms and they looked for finger prints and took photos of the state of the flat (things pulled out of closets and strewn on the floor and empty jewelry boxes, etc) and I made a list with them of the things that had been stolen. I called my insurance company then and there also and told them there had been a break in and they said they would call a locksmith and send him over to change the broken lock and that I should send the bill to them.

    I originally arranged my insurance policy through my family’s insurance agent (who has worked for them for around 16 years) so I called the agent the very next day and he explained that I would need to fill out a form and send him certain documents and he would process the claim with the insurance company. I completed the form and sent the documents through by email that day.

    I am just wondering how long is it likely to take for the insurance company to pay out? My claim is not extremely high and the list of stolen items I sent the agent is the same as the list the police made with me on their forms which they also signed. I have lived in my flat for over 2 years, made all my insurance policy payments and I had never had to make a claim before.

  11. Willetta March 13, 2013 at 3:52 am Reply

    I am appealing the rejection of my home insurance claim.

    Does anyone who works in the industry (or not) have any idea of the percentage of appeals that are successful?

  12. Willetta March 13, 2013 at 7:36 am Reply

    I broke my £700 tv and its not covered in my warrenty. I i buy home insurance with accidental damage cover would then claim for the tv in about a month would that work?

  13. Debrah March 15, 2013 at 12:32 pm Reply

    my neighbor filed a home insurance claim against me on very petty and simple fix/small amount of damage to his fence i caused which i said i would fix. i just got a call from an adjuster. can i avoid this claim by fixing his fence before the damage is assessed by a insurance person or is it too late?

  14. Chandra March 16, 2013 at 1:11 am Reply

    My wife and I are looking to buy a home, but we want to find out what a typical home insurance payment looks like.

  15. Jonah March 21, 2013 at 11:53 pm Reply

    I am doing a university dissertation on home insurance in the UK domestic market. I would like to understand why people buy or dont buy home insurance? What are your attitudes and how do you purchase it?

  16. Trista April 22, 2013 at 5:20 pm Reply

    Is the amount received in a home insurance claim taxable?

  17. Vivian May 1, 2013 at 3:22 am Reply

    I Have a holiday home in france and need to look for new home insurance. Does anyone have any recomendation of who they use for there french holiday home. it would be preferable if the company had offices in both the uk and france and was able to correspond in English. But cost is the most key decision maker.

    Your ideas would be greatly appreciated.

  18. Lonnie May 9, 2013 at 7:12 pm Reply

    There was a hail storm in our area and may (most) homes had roof damage, including mine. 95% of the homes in my subdivision have gotten new roofs from homeowners insurance claims. However, my adjuster said my roof was not damaged “enough” to warrant a new roof, only repair/patching to the back side of the roof. I have Allstate and so do several neighbors. Their claims were paid, in full, with now questions asked. The difference between my claim and theirs is the adjuster. They all had a different one than me. I have called and written the main office locally and the corporate office in Illinois, to no avail. They tell me my only recourse is to take them to court.

  19. Sumiko May 13, 2013 at 12:31 am Reply

    My home insurance agency denied my claim after hurricane dolly. They said they couldn’t cover my home because there were no broken windows an no missing shingles. Is there anything i can do or should i just settle for their discussion?

  20. Chang May 13, 2013 at 2:01 am Reply

    Does home insurance cover when I rent out the house and the tenant causes a house fire (assuming the house completely burnt down)? If not, do I need to buy landlord’s insurance or ask the tenant to buy renter’s insurance? Thanks

  21. Jolene June 4, 2013 at 6:42 am Reply

    Does a denied homeowner’s insurance claim count against you in any way? The claim was for an ‘act of god’ (storm). Is that a strike against us even though it was denied?

  22. Van June 5, 2013 at 6:55 am Reply

    When I shop for a home insurance I am always asked if my home is currently insured or if there are lapses in my insurance policy. Some companies outright refuse to give me a quote when I tell them that I haven’t had home insurance in the last 3-4 months. I am wondering why this is important for them?! They just referred to their company policy and did not give me any meaningful reasoning. Thank you for your answer.

  23. Ali June 12, 2013 at 3:27 am Reply

    Can a home insurance drop you if you made too many claims over the years do to weather? If they can is it legal? Can you fight it? All the claims are real claims do to weather.

  24. Orlando June 13, 2013 at 2:06 am Reply

    Have any universities or independent groups studied whether it is a valid measure of whether a person will pay future bills? It is a valid indicator that a renter will not pay rent? Is it a valid indicator that someones house will more likely catch fire or have some other home owner insurance claim? My insurance costs more because I did not have medical insurance to cover my broken arm. What statistics are available. If you do not know, please do not answer with theories and value judgement. This question is about actual statistical research.

  25. Eloisa June 18, 2013 at 4:07 pm Reply

    Basically my phone was stolen and we have had a police report so we can claim it on the home insurance, my dad is going to send off the police report number to the insurance company on monday, how long do you think it will take for us to recieve the i surance money? I really need a phone!!!

  26. King June 18, 2013 at 5:33 pm Reply

    just had our home insurance claim money through, is it true that the insurance company need an invoice to claim the tax back?

  27. Warner June 24, 2013 at 1:42 am Reply

    About 1 yr ago I cancelled my DD for my home insurance to cut costs. My bank then said as I never told them directly they have refused my insurance policy and that I would find it difficult to get another policy. I am now looking to start another home insurance policy but they all ask the question if I have been refused before? What does this mean? As it is obviously important to have it as you never know what will happen.

  28. Dorthea June 26, 2013 at 12:13 am Reply

    Of course when the amount of insurance in increased, the insurance premium also increases. I have only $125,000 left on the mortgage and insurance company has increased the insurance to cover a value of $305,000. Real estate value of the home is $450,000. My credit rating is excellent and I have not had any insurance claims

  29. Glayds June 26, 2013 at 12:27 am Reply

    I have accidently cracked/smashed one door on a unit in my fitted kitchen. Its a new modern kitchen fitted in last 2 – 3 years from MFI. have been to the store to purchase and replace the single door but they have discontinued this particular line? Can i claim for whole new set of doors on my home insurance? (i do have accidental damage cover)

  30. Beau July 1, 2013 at 5:39 pm Reply

    My brother’s insurance company sent him a letter stating they would not renew his home insurance policy. Turns had too many claims. Can he appeal this? What happens if no one will insure him?

  31. Santo July 7, 2013 at 11:12 am Reply

    My home and contents insurance has gotten so expensive. I have never filed a claim and my home insurance rate has doubled. I dread the thought of spending a week getting quotes. Is there a easy way to get and compare home and contents insurance quotes?

  32. Gerald July 7, 2013 at 11:12 am Reply

    I’ve had home insurance since before my boy was born, he is 1yo now. I was just thinking that since you are much more likely to have accidents and breakages with children running around the house that insurance companies would want to be informed (so they can put your premiums up). I can’t find the papers anywhere so please don’t bother saying ”oh, read the small print damn it”


  33. Bertram July 20, 2013 at 7:27 am Reply

    Every year around this time (spring), the ants come marching in. Then I google for solutions. I’ve tried every remedy I heard of and read about to no avail. Hundreds of so called remedies that did not work. I’ve also wasted thousands of dollars on professional people that claimed to rid me of this problem. All along I could of solved it impermanently all myself for a one time investment of 200. Here is the solution to rid you of pesky ants coming into your home: Step 1.) Make sure your house insurance is paid current and up to date. Step 2. ) Purchase 25 gallons of diesel fuel. Step 3.) Generously pour the fuel onto all the floors being certain to saturate them well. step 4.) stand outside entrance doorway and toss a lit rag onto floor. step 5.) run like hell! step 6.) allow house to burn to the ground, this will permanently solve ants in the home problems. step 7.) file insurance claim, collect your money and go build a new house in a neighborhood that has no ants. Voila!

  34. Ronald July 20, 2013 at 5:10 pm Reply

    I have been working as a staff insurance claims adjuster for about 3 1/2 years, and am interested in pursuing a career change to a business analyst. I have a BS degree in business administration. I am willing to relocate just about anywhere in the country. Has anyone successfully made this type of career transition? Are there any types of certifications I should obtain to help aid in the transition? Is there another career change that would be a better option? Any advice is greatly appreciated.

  35. Bradly August 1, 2013 at 7:35 am Reply

    Of course when the amount of insurance in increased, the insurance premium also increases. I have only $125,000 left on the mortgage and insurance company has increased the insurance to cover a value of $305,000. Real estate value of the home is $450,000. My credit rating is excellent and I have not had any insurance claims

  36. Marlyn August 9, 2013 at 2:11 pm Reply

    My lcd tv was accidently knocked off its stand and fell onto the corner of a unit, the screen now has a large crack in it. Can you claim on home insurance for accidental damage. I live in UK and i’m insured through lloyds tsb home insurance.

  37. Merrill August 12, 2013 at 8:56 am Reply

    how do I pay my excess on a home insurance claim

  38. Candi August 12, 2013 at 9:47 am Reply

    I’ve got a bit of a problem with my shower at the moment – there is wooden panelling around the base of the shower which is getting damp probably due to a leak from the base. I’ve called a plumber out to take an initial look, apparently there’s a strong possibility I’ll need to get a completely new cubicle and tray installed, new tiling done & also to get the floorboards underneath treated. The plumber told me I may be able to claim some of this through my home insurance.
    This is my first home & I’ve never had a big problem like this before – how do I go about seeing whether my insurance would pay out? And are there implications for my future monthly premium?

  39. Seymour August 12, 2013 at 11:43 am Reply

    I’ve had Travelers insurance for over 25 yr and they aren’t renewing my home insurance. I had 2 claims for natural disasters and 1 claim for all my belongings inside my car that I parked while I was in the hospital having surgery

  40. Shaneka August 16, 2013 at 12:21 am Reply

    I was the driver in a serious car accident. My friend was injured really bad.Can he sue my home insurance for pain and suffering? My auto insurance is denying his claim right now.I want him to be taken care of but I also want to protect myself. I own a condo unit so if he files a claim will this affect the other owners or the buildings insuance overall?

  41. Leonor August 16, 2013 at 1:46 am Reply

    Looking to get home insurance on new home. Looking for a good rate.

  42. Apryl September 15, 2013 at 6:58 am Reply

    i know someone who had their bag stolen with their phone in it etc

    they are claiming off the home insurance claiming the bag was a real prada bag costing 1400 pounds (which is untrue) and they are also claiming there was a further 500 pounds worth of stuff in this bag.

    they are recieving 1900 pounds for this as well as a new phone ( which its self is 500 pounds)

    i think this is WRONG and i would like to know how i can report this.

  43. Forest December 8, 2013 at 6:43 am Reply

    I was told by my ex that a home insurance agent was coming to look at the INSIDE of my house. I was under the impression only appraisers came to look at the inside of your home. Do home insurance agents do that now too?

  44. Erma December 13, 2013 at 2:53 am Reply

    Im purchasing a home in 2 months. Meanwhile my apartment was broken into and my second vehicle was stolen via my spare key which was hidden in my apartment. My losses for the apartment are around $5,000 and my vehicle carried full coverage and is valued at $9,200. If i make an insurance claim to cover my losses, when i buy my home would my homeowners insurance rates suffer from these two big claims?

  45. Elton December 13, 2013 at 5:50 am Reply

    Or would that be a home insurance claim?

  46. Jere December 18, 2013 at 4:16 am Reply

    Someone broke into my car and stole my DSLR while parked overnight in our gated driveway. The camera equipment cost about $2000. I’m wondering if I can file a claim with my home insurance instead of my automobile insurance.

  47. Deana December 23, 2013 at 9:25 am Reply

    I recieve income from my home insurance for not claiming money for an incident. My laptop’s screen got messed up and is all cracked in the inside, and it has left a massive black inky stain. Anyways can i ask them to resolve this problem by a new laptop or a repair for the screen using the income i recieve.

  48. Collen December 23, 2013 at 9:36 am Reply

    Last year I contacted my home insurance to come repair my roof, the inspector said my roof was o.k. in February 2013 again I submitted the same claim. There had been ice storms in the area two a few months back, but I didnt realized that it had caused damaged to my roof until later when there was a big rain storm. The second inspector came, and also said there was nothing wrong with my roof. Now, I’m getting a letter from my insurance company saying that they will ot renew my policy because of severe damages to my roof. Is this a game they’re playing or what? What can I do about this?

  49. Hollis January 7, 2014 at 7:25 am Reply

    I left my car outside of a relative home & stayed over with a friend over night on the other side of town. The next day when I came to get my car I noticed by the trunk a small bullet hole , like a nick. I was wondering should I just file an insurance claim? Or go to an autos hop. My cousin said it was to late to file a police report it’s not like they are going to pay for it or find out who did it. Can you guys please help me out.

  50. Chadwick January 26, 2014 at 2:03 pm Reply

    Hi, I live in a council property and 4 months ago the flat above me which is privately owned, flooded my kitchen resulting in the ceiling collapsing.
    The kitchen has been out of use all this time while I waited for the council to fix it.
    Now here’s my question, as I have no home insurance can I still make a claim for all the hassle and damage to my kitchen appliances on my neighbour’s insurance?
    Many thanks for any help.

  51. Etta February 1, 2014 at 11:23 pm Reply

    I have the house fully paid for, deed in my name, no liens.

    We had a hail storm in my neighborhood. Many neighbors are getting new roofs put on their homes and various other damages repaired such as their outdoor A/C (coils) etc.

    Well since then I have been on my roof, it is not that bad, perhaps a little damage. Still though I have a replacement policy and since the hail damaged it, they should pay to replace it.

    However, I have no doubt the roof and other things that were damaged, could last for a long time. Like my metal shed, they’ll have to pay for, but who cares if a metal shed has little dents in the roof??

    Anyway, I’m going to file the claim. When I get the check do I HAVE to spend this on the repairs? I’m never going to file again on these items. Again no liens, I OWN my house outright. No mortgage company to check on repairs…

  52. Rosy February 1, 2014 at 11:43 pm Reply

    My iPod kind of broke, wouldn’t work on the dock, then the screen went off and it stopped picking up a signal on each computer. I was just wondering because I was going to see if my parents would claim for it for me.
    btw I’m in England.
    Not sure how it broke, I think my dad said he would if he could. But I just wanted to make sure.

  53. Tiffanie February 1, 2014 at 11:54 pm Reply

    Advice please! I am currently staying with some friends in Bristol and yesterday some thieving, smelly little pikey stole my beloved Kona Kula from out the front of their house. It was locked to the gas pipe so I am wondering whether I will be able to claim on their home contents insurance? The problem I have is that the bike is about 3 days older than Jesus (well not quite) so sadly I have no receipts apart from the £300 quids worth of work done just recently in a local bike shop. The bike was lovely and would cost me over a grand to now go out and replace. Any experience in this arena or advice on insurance claims would be greatly appreciated ….

    Looking forward to your comments, Dan

  54. Ali February 2, 2014 at 2:46 am Reply

    I’ve had about 3 yrs no claims on my house insurance but i’m not insured at the moment.It’s been 6months since my policy ran out.I want to buy home insurance but what i want to know is can i still say i’ve got my 3 yrs no claims bonuses or because i haven’t been insured the last few months is it void now and i have to start again

  55. Clelia February 2, 2014 at 7:05 am Reply



  56. Basil February 2, 2014 at 5:50 pm Reply

    If someone has home insurance and they have damaged my property can I compel them to request a claim form from there company for purposes of claiming against them or can I request this form from there insurance company directly and are they compelled to send it to me

  57. Ariel February 21, 2014 at 2:01 am Reply

    I am possibly looking at the option of getting this home protection insurance for my heating/ac unit.
    I think you can file a claim after 30 days.

    I read some of term and agreement.
    Not quite sure if this will cover the replacing my furnace.

    Does any of you have any experiences with this kind of insurance??
    How difficult is it to claim??

  58. Ray February 21, 2014 at 3:50 am Reply

    I would like any information regarding submitting receipts for repairs that need to be done to my home. I have a large deductable and the repair expenses go beyond the claim payment. Can I hire a handy man or do the work myself? What documentation do I need to provide my insurance company as proof that the work is completed.

  59. Soledad February 21, 2014 at 3:50 am Reply

    I’d like to buy close to the water (would be impacted by hurricanes). FLA is ridiculous now-cant get insurance near the water for entire home value. Thought Hwi might be better since they dont get hit so much.

  60. Cole February 21, 2014 at 3:56 am Reply

    I plan to turn my first single home into a rental property. Do I need to report the insurance that I will not live in that house?

  61. Charlyn February 21, 2014 at 3:57 am Reply

    I am claiming against my friend’s home insurance after i broke my back in her home.
    She believes that if we stay in touch while it goes ahead it will be seen as conspiracy to the claim – although we’re best friends?
    also would it be fraud and could i get a criminal record if i gave her money to cover the difference in the cost of her home insurance next year if it went up with the money i won?
    I’m not sure whether she’s making these things up to try to put me off claiming against her as she knows I don’t want to put her out of pocket
    please help! x

  62. Nathanael February 21, 2014 at 6:17 am Reply

    About a year ago we had some slight storm damage to our old weather beaten roof (which does need to be overlayed) Its has never leaked & if shingles go missing we have them replaced. After that storm we called our insurance co. planning to have re-roof the house. The adjuster came out and said it was in bad enough shape to be covered, we weren’t given very much to have the roof fixed but it would help. To stay within budget, we asked a friend who owned roofing biz to do the job for us & he swore he would do so but left us hanging all this time.

    I hate to say but in that time, we lost our jobs and ended up having to live on the ins. $ for food. We planned on replacing the $ as soon as we found work (which we’re working on building the $ up now).

    We have decided to sell the house this spring and may not have enough to have all the roof done by then (we’re going to try). If not, can we still somehow sell the house (we need to move to a bigger town for work).

  63. Ronny February 21, 2014 at 6:17 am Reply

    I’m half way through a home insurance claim after a flood in my flat caused by a leak in the flat above. Buildings insurance has covered the damage and will eventually (hopefully) be paying me back for my 2 1/2 weeks in a hotel while repairs were carried out.

    At the time of the flood i had to take a day off work (as holiday) to recover property, and another day off to move into the hotel. So 2 days that i would have spent more effectively. Apparently i cant claim for these days as it is “circumstantial”. Anyone else had experience with this???

  64. Kip February 21, 2014 at 10:51 am Reply

    Im after a rough estimation. Im thinking of putting through a claim for my laptop through my home insurance. Ive got a premium of in between roughly 300-400. The laptop is worth £700.

    I wanted to know how much should i expect my premium to increase after my claim? (Roughly)

    Also would i be given the money for a new laptop or just a replacement?

    *Please if anyone has been through this process, your thoughts would be of great help.

  65. Ranae February 21, 2014 at 10:51 am Reply

    I live in Texas and we are building a home which is almost complete..our lender told us it’s time to start looking for insurance since we are not combining it with our mortgage. Just wondering if anyone has any recommendations? What insurance company do you have? Is your payment decent? What do they offer? Whatever information you could give me would be appreciated. Thanks in advance!

  66. Mack February 21, 2014 at 10:51 am Reply

    Where would I go to find a job processing claims? Medical billing or other

  67. Hisako February 21, 2014 at 11:15 am Reply

    I recently purchased a home in Maryland. I have been recently notified that the title company failed to find and disclose a tax lien against the property and open building code violations that were on file with the local municipal. According to the local municipal the house is uninhabitable, an inspection of the property by a city official reveal conditions in need of repair and work that had been done that the original owner did not obtain building permits to do. All of these items were part of public record prior to my settlement. I am being told I must tear out walls etc…to have the work done up to code standards. I am concerned because if the title company had revealed these open building violations when the title search was done, I would have been able to force the owner to remedy this situation. Can anyone tell me if they think this might be a valid claim against a home owner’s title insurance policy? I am thinking of pursuing it with them.

  68. Arianne February 21, 2014 at 3:01 pm Reply

    (sorry for the block text Im on my phone). I just had to make a home contents claim with Virgin (dropped my tv whilst moving it and badly cracked the screen) and was told it the claim has been passed to a company called Evanderg Why is this? What happens next and if the claim is okayed do they just supply me with a new tv? Many thanks

  69. Johnnie February 21, 2014 at 3:01 pm Reply

    my house was broken into (we’re in the middle of remodeling it) and my list of items was “over” the amount small claims handles. So they’re refering me to the local agent.

  70. Deedee February 21, 2014 at 4:57 pm Reply

    If we have a hurricane, does that mean my home owners insurance would only cover the hurricane deductible or would they also cover all property losses. What is a hurricane deductible?

  71. Sara February 21, 2014 at 9:45 pm Reply

    Evening all, I am trying to comply some reports for a study i am doing. I am trying to find out, how long you have to be with an insurer, before you are eligable to make a claim. I am really struggling to find out online, and to be honest, phoning every home insurance company in the uk will take weeks! Basically i am asking for which insurer you are with and how many weeks/months payments have to be made before you can make i claim. Thanks in advance for this info – and remember i dont need an policy numbers, please keep these to yourself for security reasons, just name of insurer and policy wording is sufficent.

  72. Tamie February 21, 2014 at 10:37 pm Reply

    Just moved into new house and the double glazing needs partially replacing,is this something i can claim on insurance?

  73. Melita February 21, 2014 at 10:37 pm Reply

    We just had a hail storm. Golf ball sized hail. Our bathroom skylight now has a hole in it from the hail. I would imagine we probably have some roof damage too. Should we file a claim? What are the disadvantages to filing?

  74. Fabian February 21, 2014 at 10:41 pm Reply

    I was driving home one night and I fell aslee at the wheel causing me to run into the back of a parked car. Since i had been drinking I started my car and drove off. I called my insurance a couple days later and filed a claim saying I rann off the road and hit a fence. They have my recorded statement already and I went today to pick up my check. When I arrived at the office they told me that they needed to do some more investigating to the claim. I also got into a wreck about 5 months ago where a car did hit me and ran off. Is the insurance company wondering why I have been in two wrecks and no other party involved? Is the standard to investigate? What would happen if I came back and told them the thruth? Most importantly AM I STILL GOING TO GET MY CHECK?

  75. Antonia February 21, 2014 at 11:00 pm Reply

    i had insurance for 2 years but when the renewal came through, i cancelled it as it was too expensive. i have never got round to getting some more insurance until now. Would I be able to state that I have 1 or 2 years no claim bonus even tho it was from last year? i dont really understand how it works. the insurer are asking if i have any consecutive no claims bonus but ive never got a certificate… help?

  76. Camelia February 21, 2014 at 11:00 pm Reply

    If the insurance has just been cancel led and the event occurred in the past while the policy was still on?
    I am submitting a claim for a purchase protection of an event occurred in the past, 2 months ago, at the moment my Home insurance policy was still valid and now my other insurance Company is telling me my home insurance Company should reimburse me for some of that , but I cancel led my home insurance policy 4 days ago, can I still submit a claim to my home insurance?
    Thank you Valerie, I bought a laptop with my platinum Amex card and it was stolen at the mall while going out of the store… I never thought Home Insurance would have something to do with that but it turns out that they just “may”. Amex reimbursed me for 20% of the price of the item I bought, they said my Home Insurance should reimburse me for the rest and I cancelled my policy 4 days ago. The event happened 2 months ago ,,, that is why I was wondering if im completely broke heheh or I can still get some help

  77. Gregg February 21, 2014 at 11:06 pm Reply

    I had a large accident about a month ago, where i was working with a handheld electric saw in my house. The saw fell and cut my face- from the cheek, through my lips, and the my right chin. I got about 40 stitches and lost my front 2 teeth, which got sawed off.

    My house insurance insures accidents too, but as far as i can remember it provides insurance for accidents near house property too, such as slipping at the doorway. Does this mean it will, or probably will, cover accidents in my house? Thanks.

    PS. The wound is still healing.

  78. Wilburn February 21, 2014 at 11:35 pm Reply

    i have tesco’s home insurance and have had to make a claim on my sofa, but i have lost the receipt and the company i got it from has gone into administration and is no longer operating as a business, plus the bank account i had at the time has been closed so i cannot provide a statement as proof of purchase. can the insurance company abandon my claim or do they have to proceed and either fix my sofa or give me money for a new one? also, there are screws sticking out of it which are a hazard to my son, i cant take them out because that would cause further damage to the sofa resulting in my claim being thrown in the bin. any ideas?
    with regards to the screws, the can not be taken out due to them being screwed from inside the back of the sofa, the part which has come away from the main part of sofa, in order to remove them i would have to tear the material.

  79. Stacy February 22, 2014 at 12:19 am Reply

    My home sustained some damaged due to a snow fall back in december. I didn’t file a claim back then and now that I got some shingles damaged due to strong wind i would like to file a claim. I was told that i might need to file 2 seperate claims. Would it make a big difference if i put it all under just one claim instead of filing 2 seperate ones?

  80. German February 22, 2014 at 12:20 am Reply

    I am not sure how much home insurance coverage I should have for the house I bought 2 years ago. The cost of the house including the land was $96,000. But that includes the price of the land, etc.

    I now have to renew the home insurance policy and realized maybe I should reduce the amount of the coverage from $96,000 to around $80,000. The dwelling amount for the insurance has been the price I paid for, $96,000. But if something happens and the house needs to get rebuild, the cost of building should not be as high as $96,000. I currently owe mortgage $70,000.

    Do you have any recommendation? I do not know if I can ask the insurance agent to reduce the dwelling coverage. But I am hoping a way to save money on the home insurance.
    Could someone give me an advice?

    Thank you.

  81. Bernardo February 22, 2014 at 1:02 am Reply

    Should I use something like http://www.samsyst.com ?

  82. Kristine February 22, 2014 at 1:02 am Reply

    Has anyone succesfully claimed against their Home contents insurance for a Digital Camera? I have accidental damage & personal possessions insurance, but would like to know if anyone has succesfully claimed and what had happened to the camera?!


  83. Beau February 22, 2014 at 1:43 am Reply

    My laptop which was bought three months ago from an agent was insured comprehensive policy. It was given for soft ware repairs to the agent last week. This along with his other properties were burgled. Can Someone tell me whether I could claim from the Insurance Company? 2. What is the obligation of the agent ?

  84. Eusebio February 22, 2014 at 1:43 am Reply

    I’ve recently had an incident at my home where I was having trees professionally removed and the tree people dropped one one my house. They’ve had to file an insurance claim as they couldn’t make all the repairs necessary (my siding needs replacing since they can’t find a match). The insurance company is trying to say that they’ll pay the depreciation on my house, but that may not be enough to repair it properly! This has been a complete nightmare, and other things are going wrong in my house that I really feel like may have been caused by that tree. Anyhow, how in the world should I handle these people! I truly don’t like having to play the mean person, but they are so asking for it!
    dealing with their insurance company!

  85. Norberto February 22, 2014 at 2:31 am Reply

    Our house got hit by a tree on 9-14-08. The adjuster came out and gave us a check for $40K within 4 days of the incident. a week later we had three contractors price the repairs and they came in at $100K-$125K. The insurance company sounded outraged. They have had the estimates for nearly three weeks and finally got around to bringing out “their” contractor to do an estimate. If their contractor prices it lower than my contractor, can I still get the money to use my contractor or can they claim that their contractors number represents the actual value?

    Also, since they low balled their initial estimate and have been absolutely terrible, do I have a case for Bad Faith Insurance?

  86. Luciano February 22, 2014 at 4:28 am Reply

    My friend had just left her house minutes and as by the time she got to the gates at the end of her driveway. The house blew up, they already know that there was at least 2 bombs in the house, the house is completely destroyed. I want to know would there be any reason that she cant claim her insurance . If it matters the house was valued at around €1.67m and about another €1m of contents inside the house. Is there any reason she wouldn’t be able to claim

  87. Wilfred February 22, 2014 at 4:28 am Reply

    My girl friend slipped on wet concrete at a friends house and fell on to a ice chest and broke 4 ribs badly. She spent 2 days in the hospital and will be out of work for a total of 6-7 weeks. No one is contesting what happened or how it happened. My question is this .What can she be compensated for ? .She is not out for blood but she is losing a lot of money and because she has been out of work so long she could even lose her job.Does home owners insurance cover pain and suffering ? and lost wages in a case like this ? Any information from someone who knows the answers would be appreciated .
    Thanks for all the information .This did happen in the state of Arizona .The accident itself happened outside near a pool .The people coming in and out of the pool had dripped a lot of water on to the concrete under a porch area and it was very slick .The combination of the slick concrete and the flip flops she was wearing had everything to do with why she was injured. It was simply a bad combination. She feels very bad that it happened because she is afraid of any insurance claim that could have any impact on her friends policy. My take on it is that is why we have insurance to cover something when It does happen. And again she is not wanting to rape the insurance company for the maximum of what could be paid. We are just wanting to get her back in good health and try and make sure what she may be able to be compensated for to help financially because it is taking huge toll with her being out of work .Thanks for your responses

  88. Collette February 22, 2014 at 5:26 am Reply

    i live in southern california and my home value is 600,000. I pay 2,200 for insurance every 6 months. i think this is a little too high but would like to know if this is average. When i bought the house i was too excited that i didnt even talked to my insurance agent, who is located in Fresno, Ca. I do live near a school could that also be the reason why my home insurance is so high? Could the location make any different? Can i also change insurance or will there be a penalty? I have no clue? My insurance is through Farmer.
    thanks in advance!!!!!

  89. Avery February 22, 2014 at 6:42 am Reply

    HELP!!! We filed a claim for roof damage, and were issued a check from Allstate BUT we failed to get the roof replaced within the timeframe allotted, and now they won’t approve it. Do we have any recourse? thank you
    They issued an intial check for $4000 and then upon completeion of the repair would issue another. BUT now they say they wont cover it because repair not done within timeframe .
    There are no recourse options spelled out that I can see. Can you give me a hint of where to look? PLEEEZE?

  90. Vance February 22, 2014 at 6:44 am Reply

    We just moved into our home on December 7, 2009. Tonight the wind was blowing really hard and it started to rain a little. Anyway, when I came out of the shower I noticed that there was a water drip next to the ceiling fan on the roof in the bedroom. Will my insurance pay for this or do we have to come out of pocket for it. Also, since we have been in this home, we have had to have the plumber come out and unstop the sewer twice. I feel like we made a bad choice in getting this home now. However aren’t stuck with it??

  91. Kellee February 22, 2014 at 6:44 am Reply

    For the past 3 years I have lived on business premises and had business insurance in joint names with my partner. We made 2 claims. Also I let a property out for 7 years and had landlords insurance on which I made one claim. I am now selling up and moving into my own home so need buildings and contents insurance in my name. Have I lost my no claims discount that I had accrued prior to moving into my own business where I had never claimed on personal contens and buildings insurance in my own name?

  92. Iris February 22, 2014 at 6:51 am Reply

    Does anyone know if you can claim on your house insurance for lost jewellery? My boyfriend has lost my engagement ring!!!! Just wondering if the home insurance covers it?
    Many thanks!!xx

  93. Shaun February 22, 2014 at 7:18 am Reply

    My neighbours washing machine leaked water through to my ceiling casing damage to the ceiling, wall, and carpet plus belongings etc.

    My insurance company have told me that I need to pay an excess charge of £75.00.

    Why should I be paying this when it was caused by the neighbour above?

  94. Vanesa February 22, 2014 at 7:18 am Reply


  95. Cherilyn February 22, 2014 at 7:18 am Reply

    Okay, if we make too many small little claims for home, our rate would jump and if enough they may cancel the insurance. If that is so? how big should a claim be to benefit us the homeowner? If claiming the big claim only the case? Should we even consider buying additional coverages?

  96. Malcolm February 22, 2014 at 7:18 am Reply

    If your insurance runs say from 1st November 07 to 1st November 08 and if you make a claim in January 07, and then make another claim on 26th November 07. Does this mean that this is counted as 2 claims differernt years or is this claims counted the same year?

  97. Bertram February 25, 2014 at 10:44 am Reply

    I’d like to find out decent rates for insurance in the NC area. What is a good level of insurance for a family of 4 in a double wide mobile home? We don’t live lavishly but have some extra electronics to consider. Will I have to provide detailed information about each and every thing I insure? I also had a concern. From what I’m reading of other questions, they do a credit check. I’m concerned that in order for many different companies to give me comparable rates that my credit will be hit several times. Is that something I should be concerned with? Obviously I’m new with this so any help is appreciated to get me started. I want to be smart about what to watch for and who to go with. Thanks!

  98. Joycelyn February 25, 2014 at 10:45 am Reply

    When i enquired about home insurance, i was asked if i had a criminal record.

    Would they find out if i said i didn’t have one?

  99. Demetrius March 11, 2014 at 1:21 pm Reply

    I was wondering why insurance adjusters don’t bring out in-fared while checking for home damage?? after all we pay for the insurance don’t they have to look for the damage and have to be honest…

  100. Brigette March 18, 2014 at 4:24 am Reply

    Yesterday, my ps3 stopped reading discs completely and my phone got a small crack in it (samsung galaxy s3). My ps3 warranty has expired and my phone warranty is still active as ive had it only 2months but they do not cover accidental damage. I was wondering if i should claim a new ps3 and phone through home insurance or not bother and buy a new ps3 and get my phone repaired and please dont say ‘ring your insurer’ because im going to tomorrow but i just want to know if anybody has claimed thorugh home insurance and if it worked out cheaper than just replacing the phone and ps3.
    I didnt say my policy doesnt have accidental cover. I said samsung dont cover accidental cover for my phone.

  101. Forest March 18, 2014 at 4:26 am Reply

    The cost of everything is going up while the companies are awarding layoffs, furloughs AND “salary reduction” to average Americans. In spite of this, insurance companies are using inflation as an excuse to continually increase premiums to average Americas.

    If you were to shop for a new insurance carrier, what do you to prepare for a wise shopping in light of the fact, in most likelihood, you will have to surrender your protected info (driver’s license # and SS#) to those people who you will help.

    How do you prepare, and what are the things to be aware when speaking with those brokers/agents to not get taken advantage of.

    Please share your experiences/advices/opinions.

  102. Darwin March 18, 2014 at 4:27 am Reply

    My question is, does anyone know how insurance companies decide if an area has a high crime rate? Do they just go by recorded crimes that have had claims through insurance or any recorded crimes regardless?

    I have been interested in getting home insurance as my parents don’t have it for our house and I have quite a few expensive things I would like to ensure. When I tried getting quotes from some of the big home insurance company websites, the quotes were very high (double the amount my friend got) – He lives near Kings Lynn in a Town, I live near to Stansted Airport in a quiet village with a population of around 250. The crime in the area is non existant. The only thing I can think of that could be causing the higher quote is there is an old lady who lives in a bungalow on the same post code as us who has been burgled 3 times no less whilst she has been in the house. THis has been the only crime in the area for years and years, I am pretty sure she does not have insurance

  103. Agustin March 18, 2014 at 4:27 am Reply

    Hi could you please help me ? Last night a hole appeared on my bedroom ceiling ,about4 inches x 4 inches ,then i noticed my carpet was wet .Now i dont know whether a tile has come off my roof causing this problem .It was too dark to go outside .Do you think that i could claim off my home insurance ,I live in the UK .tHANK YOU .

  104. Brett March 18, 2014 at 4:28 am Reply

    My husband and I are building our home ourselves. We have started with single wide trailer (that we we live in) and we are adding room by room until the house is complete. Because we are not having a contractor do anything for us, I would like to know if anyone has a site where I can get info on how to use products and abide by specific guidelines to help lower the cost of our home owner’s insurance. For example, on DIY, I watched an episode where they explained four types of roofs and how they affect your premium.

    Any help would be great!!
    Thanks in advance 😉

  105. Leonel March 27, 2014 at 3:14 pm Reply

    Where can i obtain cheap home insurance?

  106. Cortney April 7, 2014 at 3:25 am Reply

    Does the ordinary home insurance policy cover those homes normally not in hurricane areas-for hurricane and wind damages? Are we paying for insurance were not covered for?

  107. Eugenio April 8, 2014 at 3:02 pm Reply

    If you were to be injured at a persons home and you make an insurance claim due to seeking medical attention can the home owner also make an insurance claim?
    What if both the injured party and the homeowner make a claim and both receive money? If this is not allowed what action can be taken upon the parties?

  108. Taylor May 7, 2014 at 3:31 pm Reply

    We had a fire in my log home last week, The fire was put out by the fire department but house has a lot of water damage, It looks like I have lots of insurance, The Building has 400k of coverage and I payed 320K for the house 3 Years ago. However the policy has a Log Construction Exclusion “The above location is of log construction both endorsement 44 (Guaranteed replacement cost ) and endorsement 78 (single amount of insurance ) are excluded” could any one explain this exclusion

  109. Robert May 17, 2014 at 12:36 am Reply

    Are you required to obtain a new home insurance policy when a home is Grant deeded to you? My mother now owns my grandparents home but she failed to notify the insurance that she is the new owner. Is the insurance still obligated to pay on a claim?

  110. Chadwick May 22, 2014 at 9:58 am Reply

    Hi, an year ago I had a leaking pipe that was connected to my bathtub on the second floor and the leak from the pipe damaged the ceiling in my basement, so I called the insurance company and asked them what to do, but they told me I had to pay $1000 and file a claim, I wasn’t in a good financial standing at the time so, I just never called back the insurance company and I never notified them and I fixed it myself, but 2 days ago the problem started happening again. I could smell the fungus on the ceiling so I teared down the dry wall ceiling myself to look into it and it was really bad. I knew that it was time for a professional to handle it. So my question is will the insurance company accept my claim if I have touched the damage myself or will they deny it?

    Thank You :))
    The insurance company is state farm
    I fixed the leaking pipe by cutting a hole in the bathtub and welded a new copper pipe.

  111. Alberto May 28, 2014 at 1:46 pm Reply


    Im moving into a 2 bedroom apartment in the next few week and I’m trying to work out how much my out goings will be.

    I think I need to get home insurance. Is that a requirement? also how much would that averagely cost per month and what does that cover.

    The property is unfurnished apart from fridge freezer,oven,washer dryer.



  112. Cordell May 28, 2014 at 1:46 pm Reply

    I found Farmers Insurance in ND will insure our 1977 mobile home for $441 a year. The only one that was willing to insure us without providing documentation of what the owners over 5 years ago did. We are only doing this to be able to become licensed foster parents. ND requires it. Otherwise we wouldn’t bother.

    When I talked to the agent this morning, I explained that we own it. I found out it covers what renters insurance covers. I also had someone on here yesterday say old mobile homes can be insured with renters insurance. Does it sound like the agent insured us with renters insurance? I really don’t care, so long as it’s legal.
    Foster parents are allowed to have renters insurance

  113. Mohammed May 28, 2014 at 3:00 pm Reply

    if i own a home in US,is home insurance mandatory for me to take?
    also, if my house gets fire, because of careless mistake like leaving the gas on…will the insurance company still cover it…
    do home insurance covers all 100%

  114. Lekisha May 28, 2014 at 3:00 pm Reply

    With today’s changing markets, I have 167,000 home owners insurance and my home is now valued at 23,000 but I still owe 151,000. God forbid and satan close your ears, If my home burned to the ground will the insurance co. still pay the 167,00 if the home was totalled.

  115. Brett May 29, 2014 at 12:45 am Reply

    I am new to the UK. In Japan, few people buy home content insurance because home contents are normally not valuable. It seems to me most people here buy home content insurance. It sounds not attractive a)the premium b)the high excess. What is your view?

  116. Edelmira May 29, 2014 at 12:45 am Reply

    I am presently living in a rental apartment. I also have a home insurance. During my stay here, the kitchen sink cracked at the bottom, but I still continued to use it. After one and a half years, the landlord would like to replace the sink with a new one. Will I be able to claim for the charges of this from my home insurance?

    Please advise what is to be done.

  117. Carman May 29, 2014 at 2:03 am Reply

    I am about to change my home and contents insurance but nobody seems to cover the event of a leaking roof / garage?

  118. Ross May 29, 2014 at 4:04 am Reply

    Recieved a letter yesterday from my insurance company. They are now going to base home insurance rates based on your credit score….WHAT?

  119. Edmond May 29, 2014 at 8:08 am Reply

    I am living in a house owned by my father, which he has insured as a second home. I am starting a home business and am planning to register with the state next week as a sole proprietorship. I have looked into small business insurance, but my father is worried that running a business out of this house will cause his homeowners insurance to rise.

    Any insight into this would be greatly appreciated.

    Can the insurance compeny raise rates because I am running a business out of the house? What if the business itself is insured on a separate policy?

  120. Mary June 17, 2014 at 8:20 am Reply

    Hi, I am looking for home insurance. This is not for a huge house just a little cottage, would like to insure it for around $40.000. This is a vacation cottage so dont need a huge amount.

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