insurance

There's a couple of things you should consider with renters insurance. First, it not only covers your personal property but also your liability.

Normally if a driver has a medical condition that makes it unsafe for them to drive, their doctor will notify the DMV and their driving privileges will be limited or revoked for safety purposes. A handful of insurance companies do require that their agents confirm or inquire about medical conditions of any drivers listed on the policy that may make them unsafe on the road.

It's very likely that you will be covered, assuming that your homeowners insurance policy is active and in good standing. Each insurance company has different stipulations depending on whether you have a named-peril or open-peril insurance policy, so you'll need to contact your insurance company to get the final word on how your policy would apply to this type of loss.

Each state has varying statutes on how long you have after damage occurs to file a claim. In Maryland, you actually have up to 3 years to file a property damage claim, although I would not recommend waiting that long as it can be difficult for your insurance company to properly assess the damage.

It really depends on what is causing the collapse of the ceiling, but it is very likely to be covered unless the collapse occurred due wear and tear or negligence. Ultimately that decision is going to be up to your homeowners insurance company based on the terms and coverage of your policy, so you will need to contact them directly the inquire about your coverage.

Unless you notified an insurance company to file a claim or a police officer wrote an incident report of the damage, the repair will not be documented on your driving record or claims history. Insurance companies verify your driving history by looking at your Motor Vehicle Report (MVR) and CLUE report.

Her best bet, because of her age and high cost of insurance in Florida, would be to get added on to a family member's policy of the household where she lives. Once she has been insured for at least 6 months she should qualify for lower rates because of the discount for being continuously insured.

Auto insurance is intended to cover your vehicle in the event of damage from a crash or other incidents listed on your policy. Wear and tear is generally covered by a vehicle warranty and not by your insurance company.

An insurance policy is intended to cover vehicles kept at the address where the policy is written. Insuring vehicles under the same policy that are regularly kept at different addresses is considered insurance fraud and will likely result in the cancellation of the policy altogether.

Unfortunately once a huge storm, like a hurricane, is imminent, most (if not all) insurers offering coverage in the storm's path will stop writing new policies to decrease their risk exposure. My recommendation would be to check with every possible company offering insurance in Florida to see if any will issue a policy.