Homeowners Insurance

When it comes to rebuild coverage, limits are completely up to the mortgage company you go through and depend on what they require. Most insurance companies will not insure the home unless it is at full replacement cost.

Most homeowners policies cover water damage unless that coverage is specifically excluded. Look at your policy to see what coverages are included.

I would get two things done. I would call my prior renters insurance company to see how they have the claims marked.

Your new insurance carrier would be the company you file this claim with. Since there was no active claim with your old company, they would not open an investigation past your policy expiration date.

I'm sorry that you're experiencing this. I would get two things done.

Yes, our website has recently started allowing shoppers to see auto and homeowners bundles. You could always give our agency a call 1-888-255-4364 to speak with an agent who can help pair you with the right home and auto bundle.

If your son has coverage for this, he should still be able to file a claim, however each company has their own set of rules and guidelines. Depending on his deductible and how much he settled for, he might realize that filing a claim is not worth the premium increase.

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.

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.

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