Homeowners Insurance

Does insurance cover water damage from a leaking shower?

Most homeowners policies cover water damage unless that coverage is specifically excluded. Look at your policy to see what coverages are included.
Jul 20, 2021 Beaverton, OR

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Coverage & Claims Homeowners Insurance

Is prior insurance liable for roof damage found or is the current insurance company?

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.
Jul 9, 2021 Midwest City, OK

Coverage & Claims Homeowners Insurance

How do I get a false renters claim taken off my record?

I'm sorry that you're experiencing this. I would get two things done.
Jan 4, 2021 Atlanta, GA

Coverage & Claims Homeowners Insurance

Is it too late to file a claim for a loss we paid for out of pocket?

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.
Dec 30, 2020 Denver, CO

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.
Dec 21, 2020 Green Bay, WI

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.
Nov 18, 2020 Albany, NY

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.
Jun 9, 2020 Dallas, TX

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.
May 14, 2020 Edmond, OK

Homeowners Insurance

Can I keep the contents of my house after insurance paid out for them?

Your insurance company is likely going to pay for debris removal. Removing certain things while doing so may come with additional cost and typically insurance is not going to allow that.
Feb 13, 2020 Lebanon, OH

Coverage & Claims

Do I need to report a claim I filed if the homeowner didn't follow up with it?

Thanks for the question. If the claim was never paid out, you don't really need to mark it down as an accident.
Dec 13, 2019 Tempe, AZ

Homeowners Insurance

Will home insurance cover a robbery claim after my policy was canceled?

This entirely depends on the date of the loss, i.e. when the home burglary happened.
Dec 3, 2019 Berea, KY
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