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Scott, those are excellent comments - thank you.
Thanks again for your insight and interest.I'll keep you posted.
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Ask The Adjuster - Statement of Purpose:
This site is for anyone confused by the insurance process, insurance policies, claims or anything else in the world of insurance.   We do NOT sell insurance here, nor do we refer you to a sales person.

Sounds really interesting, doesn't it?   We all need insurance and need to understand what coverage’s we have but the most common advice out there is "read your policy"!   That should put you straight to sleep.   Even if you are an insomniac, you probably still will not understand what your policy covers and does not cover.

It’s a safe bet that right now you are not insured as completely as you should be.

We will cover all lines of insurance, types of claims, damages, repairs, accidents, health, illness and any related topics you want to discuss. We will discuss what coverage’s are available for any type of insurance you might need and why you would need it.   What to do when you need your insurance policy.   How to make a claim and when NOT to.
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We intend to simplify the language and talk in simple terms anyone can follow.  Our primary direction and focus will be determined by you.    So please click that green button and "AskTheAdjuster"!



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Questions From Our Users
read more in 'archive' for previous QA & Insurance Issues

Flooded car, should I accept repairs? Will it effect my resale value? Title?

I was coming home at 1 am from my second shift job and I ran into some water that swept me off the road and it filled my car interior up to my waist it also died and would not crank back even after the water went down and we could get to it to have it gotten out with a tow truck. Who took it to a Ford dealer at the insurance request.
continues Click here
Extensive water damage from frozen pipe, what do I do now?

Sometime during the latter part of January there was a cold snap in the Boise, Idaho area. I live in another state and own a second home in the area which is vacant when I am not in Idaho. I was there at the property as recently as January 6th and all was well.
continues Click here
Katrina damage repaired, how do I collect the depreciation they withheld?

I filed a claim when my home was heavily damaged by Hurricane Katrina in August 2005. I am around 95% complete with all repairs. Am I entitled to the deprication amount witheld by the insurance company and if so,how do I go about that.
Ron, Louisiana
see response Click here
Neighbor's shutter blew onto our car, why can't I collect from their insurance?

We recently had some significant winds in our area. Our neighbors house lost a shutter, which came down on our Suburban, destroying the rear glass and mounts.

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Neighbor's tree fell in my yard, who is responsible?
In a very bad windstorm last week, my neighbor's pine tree fell into my yard. Who is responsible for the removal of the tree?
Lisa,
Ohio
see response Click here
Hail damage to vehicles, required to repair?
Insurance company issued checks for the repair of hail damage to 3 of my vehicles. all of the checks where less than the estimates I got to fix the vehicles. If I would accept the lower amounts offered by the company I was not required to fix the vehicles. But if I wanted to be compensated for the actual cost to repair them I must get them repaired. Do I have to get them repaired or will they have to write me checks for the real amount that it will take to repair the vehicles? Do I have to get them repaired at all?
Tom,
Missouri
see response Click here
Vehicle damaged trees on our property, what is covered?
A vehicle had an accident on our property. We have to remove 2 trees as the result of the accident. We submitted an estimate to the insurance company(Nationwide) of the vehicle owner. Is there a limit on the reimbursement for our expenses or will the bill be paid in full?
Todd,
Pennsylvania
see response Click here
Apartment owner with fire, can I do the repairs myself ?
I live in Ohio and own an apartment building. I recently had a minor fire in the kitchen of one of the apartments. I got estimates for the repairs and the insurance company agreed on the figures. I was cut a check for the amount on the estimates. I'm an HVAC contractor by trade, not a building contractor, but none of the repairs required are beyond my capabilities. Do I have the legal right to do my own repairs and save myself the labor that would have been paid to another contractor, or is that considered fraud? If I have the right to perform my own repairs, does the insurance company have the right not to pay me for my labor? Any advice you can give me would be greatly appreciated.

CN, -Ohio
see response Click here
Wind blew over 3 trees, agent said our coverage was limited to $500?
SRAIGHT LINE WINDS UPROOTED THREE LARGE TREES ON MY PROPERTY. NONE OF THE TREES HIT THE HOUSE, BUT ONE IS ACROSS THE ENTIRE DRIVEWAY , ANOTHER ON A WELLHOUSE AND PARTILALLY ON A NEIGHBORS FENCE, ONE LARGE LIMB ON TOP OF THE HOUSE. OUR INSURANCE AGENT CAME AND LOOKED AT THE DAMAGE AND SAID ALL OUR HOMEOWNERS POLICY WOULD PAY WAS $500.00. THE ESTIMATES WE HAVE RECEIVED SO FAR FOR CLEAN UP ARE OVER $1000.00. SHOULD THE TREE REMOVAL BE COVERED BY OUR POLICY? IF SO SHOULD THE TREE REMOVAL BE COVERED AT A HIGHER REIMBURSEMENT OR THE TOTAL TREE REMOVAL COST COMPLETELY COVERED.
THANK YOU,
HEATHER
Tennessee
see response Click here
Our trampoline blew onto neighbor's house, are we responsible?
OUR TRAMPOLINE BLEW AWAY DURING A STORM THIS EVENING. WHEN WE WENT TO LOOK FOR IT WE FOUND THAT IT HAD BEEN BLOWN ONTO A NEIGHBORS ROOF AND FELL DOWN OFF THE ROOF RIPPING SHINGLES AND TEARING UP THEIR GUTTERING. WHO IS RESPONSIBLE? WE HAD NO CONTROL OVER THE ACT OF NATURE.
JESSICA,
Indiana
see response Click here
Neighbors tree fell on our house who is responsible?

Neighbors tree fell onto our home causing roof damage and some limbs can through the roof into the attic - an alive tree 60ft pine. We had the same situation about 5 years ago from the same neighbor - who is responsible for the tree being removed, covering the roof with a tarp until it can be repaired? Everyone has insurance.
Wendy, - Georgia
see response Click here
Contractor with Question on Insurance Estimating
I am a small general contractor in Oregon new to home owner's insurance claims.

I have been asked to submit a written request for general contractor's overhead and profit from my customer's insurance company. I would like to know where I might find examples of such requests. Also where I might find appropriate percentages I should request.
Thanks,
John - Oregon
see response Click here
WIND DAMAGE
We had wind damage, why won't the insurance company replace our whole roof?

A little over a month ago I had a wind claim on my roof. I have homeowners with xxx. The damage was to back side of roof and a dormer on the front side. Xxx is wanting to pay for 1/2 a roof. They state there is no damage to front of home when there is clear damage to the roof on the dormer. They also do not want to pay for a drip edge or debris removal. My policy states that wind damage is a covered peril and they will pay for a continuous roofing system between all walls. How do they justify for only paying for 1/2 a roof? Now they have also agreed to pay for roof on 1/2 a dormer on front.
David,
West Virginia
see response Click here
HOUSE FIRE
When the insured has a house fire, and have to temporarily move and has living expenses coverage, is the contractor responsible for paying the insured's living expense overages when he has taken too long to complete the project and the living expense money has been depleted? For example, rental furniture payments until completion of the job. continues... Click here
Next Door Tenants' Fire Damage
My family and I live in a single family residence very, very close to another property that is owned by "slumlord" and rents out the two halfs. Well Mr. high and mighty doesn't screen his residents very well as we consistantly have trouble. Needless to say I am bitter about that whole situation so I'll move on to the point. - continues Click here
Hail Damage
I have a question regarding, if i was traveling within my state and experienced hail damage to my car to an extreme extent and have a comprehensive coverage with a deductible of 500. what will the questions be and paper work required to file a claim and use this protection. ive searched the companies web site and found no info to specify, and will it increase my rate for using this option?
Kyle Missouri
- see response Click here
Roof Damage Estimate
We have roof damage,(32 squares total roof) the adjuster estimated 15 squares to be replaced, that's about half of our roof, divided in three seperate sections. - ..continues Click here
An Agent asks about a "Good neighbor" fence
I've always been told that when a fence blows down between two neighbors, say in a storm, that the claim is settled by the "good neighbor doctrine" and only half of the homeowner's property loss deductible is applied. Is this right?
Denise - Insurance Agent
California
- ..see response Click here
Who is responsible to clean up neighbor's blown down tree from my yard?
If a neighbors tree falls in your yard during a windstorm, whose responsibility is the cleanup?
DK
Washington
..see response Click here
Why is the insurance company keeping the depreciation on my contents?
Hi;
My catastrophic claims adjuster just informed me that contents will be figured on a depreciated basis until AFTER I replace the item, and then, I have to submit a receipt to get the rest of the replacement coverage.
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Should we replace mattresses because of smoke damage?
We had a bad fire that started in our garage in Dec. There was a lot of smoke and soot damage. Would it be best that we replaced our mattresses, because we have 3 children with Asthma?
SW
Texas
- see response Click here
Home damaged by neighbor's tree what should I do?
My neighbors tree fell on my house, placing a large hole in the roof and siding. I was out of town, unaware of the issue. My neighbor states he was unable to get anyone to remove the portion of the tree resting on my house, he stated no company would take the job. Accordingly, nothing was done to cover the hole and "protect the property from further loss". ...continues Click here
Tree hits neighbor's house even after trimming, who is responsible?
Hi there! I know most of the questions on your site are about trees, so I thought I ask you another one.
My neighbor came over and told me my trees and their branches "made her nervous". I tried to be a good neighbor and spent $2,000 on cutting down one tree and doing serious trimming on the others. The tree guys cut away anything that looked dead or diseased.
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Tree damages from ice, coverage for removal?

Recent ice storm has damaged many trees in Tulsa. My policy provides for up to $1000 coverage for removal of fallen trees due to weight of ice....There are several fairly large (2 and 3 inch caliper) limbs that have broken and are just hanging by a "thread" or are just resting on lower branches waiting to fall to the ground. - continues - Click here

Condo water damaged from neighbor's unit
Living in a condo I own. Neighbors pipe froze and burst last year flooding my home. It ruined all the floors and some wall damage We both have the same insurance and both had to pay the deductable before they paid $750 each. continues - Click here
Roofing company question on insurance estimate


I work for a roofing company and I am trying to figure out when I can charge O & P to our customers. I think the way that it works is that if a we do all the work on the insurance paperwork and the customer signed for what insurance allows we can charge the entire O & P. But, if we don't do all the work on the insurance paperwork then we can only charge O & P for the work that was performed. Example: Customer has roof replacement, siding, and gutters. We only do the roof, so therefore we can only collect the amount of O & P that pertained to the roof. If we did all three items, then we can collect all of the O & P.
CB, Texas
- see response - Click here

Can my Insurance Company force me to use "their" contractor?
I was involved in the So Cal fires. My insurance company, "xxxx" made me use a "fire clean up expert" general contractor. They damaged roof tiles, water damage to the ceiling, poor work on the patio cover. Now the insurance company is forcing me to use them for sprinkler and plant replacement and wont let me use my subs for window replacement which I used to purchase same windows last summer. The landscaping and stamped concrete was also replaced last summer and I want to use now. I also want to get someone to replace the rain gutters but they keep passing on everyone saying too expensive. I can't use anyone else except their contactor. I actually had to get three opionions that the trees in the back yard are dead. Does this sound correct? Or am I getting taken? And yes I am a single female if that matter, and was too willing to work with everyone.
NG
California
see response - Click here
Neighbors' Tree

My neighbors tree fell on my shed going right through the roof damaging some contents in the shed. Should I contact my homeowners insurance policy.
MC,
From New Jersey
- see response - Click here
Automobile Damaged at Employer's Parking Lot

A tree limb fell on my car at my company's parking lot. The tree was live, however, the limb broke at a point where there was definite rot. I do not have comprehensive auto insurance, however, I filed a claim for the repairs with my employer's commercial business owners policy with umbrella coverage.
continue - Click here
Parking Lot Incident

A parked car reversed out of her parking and hit my car, who is responsible to pay the damage.
AK
From New York

see response - Click here
Lightning
Recently a tree in my yard was struck by lightning and is showing signs that is could be at the end of its life. Is the removal of this tree covered under standard home owners policy? Its a large hardwood and I expect that removing it will exceed my deductible.
Thanks,
PD
Georgia
see response- Click here

Damage to my auto, whos' at fault?


I just recently got into an accident and would like to find out who the insurance would find at fault. It is not clearly discernible if I am at fault or the other person.

Continues -Click here
My car was damaged in parking lot, should the contractor pay?
Submitted: September 16, 2007
My car was damaged at my apartment complex by a outside contractor hired by the apartment managment to replace a fence that was close to my car. While they were replacing it a part of the fence hit my car hood. More ....-Click here
* RESULTS
I have major damage from trees falling, what is covered?

I am getting conflicting information from your web site and my HO policy. I'll try to spell out my issue here. I suffered a sizeable loss during a tornado about 2 weeks ago. The largest expense will be (was) the removal of the downed trees from my property. There seems to be different interpretations about how and if tree removal is handled. The common theme seems to be that if the tree has fallen on "covered property" the cost to remove the tree from the covered property only would be picked up by the standard ISO homeowners policy. The cost to remove it/chip it/ take it away would not be a covered expense.
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Our tree fell on the neighbors house, whos' insurance should pay?

Story: Our tree fell in the neighbors yard knocking out the power to the house, and damaging the fence. We didn't know we wern't responsible for getting the power back on, so since it was our tree we the called an electrician. We found out we were not responsible and the neighbor says his insurance company says it's our responsibility to pay the electrical bill.

Question: are we responsible for the bill since we made the call? What can we do regarding getting him to file the claim?
SB
From Kentucky
- see response - Click here
I have received an insurance check for hail damage, how do I get the rest of the money?

I recently submitted a claim for hail damage. The adjuster came and made up his list of repairs, and issued a check for the ACV part of the claim. The depreciation value was held back till work is done.

My question is: Am I required to perform all the repairs on his list, and how does it affect the claim funds if I don't? Also can I make some repairs myself and how does that affect the funding?
SP,
From Pennsylvania
- see response -Click here



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