Coverage & Claims
Homeowners Insurance

A logistics company driving for FedEx hit my retaining wall. Should I make a claim or wait?

I would recommend waiting for the logistics company to pay for it. If you file a claim through your carrier, it may take a while for them to retrieve the money owed to you, and you will now have a claim on your homeowners insurance record.

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Homeowners Insurance

I just had my cedar siding replaced with vinyl siding. Will this reduce my homeowner's premium, or raise it?

Since vinyl is a lower-risk building material than cedar, it is more likely that your homeowners premium would reduce rather than increase. For more information, call your insurance company’s customer service line to see if they will adjust premiums for the building change.

Coverage & Claims
Homeowners Insurance

I bought a new homeowners policy on the 3rd and my home was broken into on the 4th. Am I covered?

Yes, your claim should be covered. As long as a policy is active, it does not matter when the claim occurs.

Coverage & Claims
Homeowners Insurance

Should I file a claim to have a tree removed but not have the damage to the covered structure repaired?

Typically, an insurer would prefer to handle any and all damage incurred as to avoid any unnecessary future risks of property damage or bodily injury caused by the damaged structure. This is a claims-related question that would be uniquely handled by the claims department of your insurance provider.

Homeowners Insurance

Can my son's name be on my homeowners policy if he's not on the deed of the house?

Your son would not need to be listed in any way on the policy unless he is a part-owner. Any payouts from insurance would go to the lender and homeowner(s), so having him on there would not do anything for him.

Homeowners Insurance

My homeowners insurance is canceling my coverage based on us having a home daycare. How do we get coverage?

If it was not disclosed to your insurer at the time of finalizing your policy that you're running a business out of your home, it is within the company's right to void it. While you likely won't need a home daycare endorsement if you already have separate liability insurance, every potential home insurance company will want to know that your home is also a place of business.

Homeowners Insurance

How do you establish the cost of replacement for homeowners insurance policies?

Similar to how individual companies have different underwriting methods to determine rates, every insurer figures their replacement cost for a home differently. Some use tax records, mortgage info, average property values, and other data.

Eligibility
Homeowners Insurance

Where can I find vacant home insurance for my grandmother's house?

Vacant or unoccupied homes are still covered under many homeowners plans. You'll just want to specify that the home is vacant upfront as you search for a new plan.

Homeowners Insurance

How soon after switching home insurance policies can you make a claim?

Hopefully, you will not need to file a claim, but insurance will follow the effective date. If your policy takes effect January 1st, 2020, then that is the first date that a claim would be honored.

Coverage & Claims
Homeowners Insurance

How do I get a false claim on my record removed?

The best course of action would be to call that insurance company and request all paperwork associated with that claim. It should show as a zero dollar payout, which you could show to other companies to dispute the claim.

Homeowners Insurance

Does a zero dollar home insurance claim affect rating a policy?

If you were not paid out, a canceled claim should not have an effect on your premium. Database systems used for cataloging claims history can sometimes confuse this, however.
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