What's the difference between Replacement cost, Fair Market Value and Actual Cash Value?
My house has plaster walls and ceiling, but the adjuster says I can only get drywall replacement.
They say that I cannot get my hardwood floors replaced and the carpet that is over it. They will only pay for one floor covering.
I have a replacement policy, but the check from the insurance company doesn't cover the full cost of repairs?
What depreciation? My house hasn't depreciated; it's gone up in value!
If I do the repairs myself, why will the insurance company not pay me the full amount they calculated?
I have a policy for code updates, but the adjuster says that's only for the damaged area and not for the area that is undamaged. Why?
I had a water leak but it wasn't apparent until it got worse. Now the insurance company is denying my claim.
My tenant redesigned the interior of the rental property without my permission. The insurance company told me that it's not covered.
The insurance company adjuster says they pay less when there is a co-insurance problem.
I moved into a hotel due to the fire at my home. My mother was visiting. The insurance company says they will not pay for her clothes or her portion of the hotel bill.
My toilet "backed up" and my insurance company says a back up is excluded.
My shower pan was leaking but I didn't notice until the ceiling fell down. The insurance company said it was from continued seepage and leaking, not sudden and accidental.
What are 10 percent overhead and 10 percent profit? It does not appear in the repair estimate from the insurance company.
After a water pipe broke, we discovered mold. The insurance company has told me that the water damage is covered, but the mold is not.