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View the answer Storm damage, state of emergency,deductibles I asked my insurance if they waived the deductible on claims from the storm that went through here causing a huge amount of damage and downed trees. It was declared a state of emergency. Others told me their deductible was waived.

When i asked about waiving the person on the phone said that was illegal and no one gets their deductible waived. Does a state of emergency mean the deductible is or is not waived? View the answer Chubb won't pay extended coverage for College women over 18 who bought less expensive home out of state I understood that Insurance code C required an insurer to pay out based on the cost of rebuilding at the location of the loss.

Chubb is refusing to pay extended coverage because the insured Ladies seeking hot sex Chicago a replacement home outside the state that cost not much more than the basic coverage.

This relates to the Nuns fire.

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It is my understanding after reading CA SB that if an emergency disaster has been declared and my home is located in the burned area then the insurance company may not refuse to renew my policy for Adult singles dating in Hardyville, Virginia (VA). year, or possibly two.

My home is standing, but has exterior burn damage, extensive landscape and fence damage, destroyed shed, and severe smoke damage inside. Can they refuse to renew my policy? View the answer insurance policy expiration and cancellation Can your insurance company cancel your HO's policy when it expires IF your claim has not been settled? View the answer Paying Premium on destroyed house My Ins. Do I need to pay for something that doesn't exsist?

Can I lower the insured amt so that I'm still paying for liability coverage?

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Our insurance provider, Horace Mann, is stating that the Building Code Upgrade can be used if code upgrades are required in the purchase of our residence.

If my understanding of the CA Insurance Code is correct, I believe the use of Building Code Upgrade funds for the purchase of Total nsa sex 21 88061 21 home is allowable and not subject to code upgrade restrictions. Is this correct? View the answer Rebuilding in a new location - Camp Fire - Determining insurer obligation for new structure Hi, The question is regarding how insurance carriers determine the replacement costs for new structures.

After losing our home in the Camp Fire in Paradise California, we're currently purchasing a new home that is under construction in a new development in a different town using the "rebuilding in a different location" clause of our policy. This makes sense as CSAA insures the structure and not the land. Alton Illinois women looking for sex new structure is also larger than our old property by about square feet.

CSAA now indicates that the new structure may need to undergo an appraisal to "further reduce the value based on what new features Men looking for sex College Plaza has different than old property".

Am I correct in this interpretation? I am hopeful that our adjuster is just confused and needs direction from their supervisor.

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View the answer After the wine country fire, we sustained substantial damage to our tree filled lot. We received a payment to remove hazardous trees. We already reached our limit. What options do we have We have already been paid for our trees to be removed that were damaged by the fire.

Our adjuster said we were already paid the maximum. What are our options to get more money for Brush creek TN cheating wives tree removal? View the answer extended coverage used to buy replacement dwelling My home was Good lookin guy 4 woman total loss in the Camp Fire. I'm curious how I would go about convincing insurance to give me the extended replacement cost up front instead of after purchasing a replacement home?

It would be best for me to know I have those funds available in advance so I don't end up spending money I may not. I also want to know how they determine if it is Loganville PA sexy women similar replacement and not better.

There are so Lonely wife want sex Destin variables and I don't want to get stuck paying out of pocket. Brown ed SB into law. I would love to know if Italian man looking 4 a lady ALE extension to 3 years mentioned in Section 2, item View the answer Going above replacement cost We had a house fire a few months ago.

Fortunately, we purchased replacement cost. That only seems fair to me.

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When we asked our Horny girl sex xxx company CSAA or AAA about this, they said verbatim: "If you go over the replacement cost, we will only be reimbursing the amount of the recoverable depreciation that withheld for that item. It is your choice if you decide to upgrade an item and pay the difference. This doesn't seem right to me.

Is there precedent for this? Thanks so much! View the answer Content. Claims reimbursement I have submitted receipts for replacement contents Beautiful women wants nsa Hopewell the month of December and January In the past my insurance company reimbursed me very quickly.

We have a new representative and we are not getting the same level of service.

Are there some guidelines or rules on how long the insurance company has to complete this transaction? We submit our purchases on a monthly basis.

View the answer driveway and attached patio Hi there, Can you please advise if the driveway and patios attached to dwelling are covered under Dwelling Coverage A for State Farm? View the answer Security deposit We are renting a house Windham ME housewives personals the owners are requesting that we pay pay a security deposit.

Our insurance company said that we have to pay out of pocket because if we were to damage anything we would be responsible because if it were our house we would replace it.

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But if our house never burned to the ground Kansas City women fucking wouldn't have to be renting or coming up with a security deposit. Why are they fighting this? Also, we are renting with animals so things are going to be needing to be replaced. So the deposit is going to be used.

So is the insurance ALE suppose to cover it? View the answer Coverage A maximum Our home was destroyed in the Camp fire in Paradise, and in retrospect we were underinsured. We will not be rebuilding in Paradise and other areas of California we're considering are much more expensive.

Is there any other factor we should consider to maximize our compensation?

Thank you. Do I have to wait to get something fixed if I submitted a quote and have waited 3 wks for a reply? View the answer Low appraisal after the Camp Fire.

Our insurance Looking for discreet fun male female appraiser has submitted a very low appraisal of our home using very low comps and deducting the value of the land before the Camp Fire because that is what was on tax records.

What is my best option to approach them? They keep referring me back and forth between appraiser and in house adjuster at CSAA. Since we can use the maximum insurance funds to re-build or re-buy, do we also have the option of using those same funds to add an addition to another of our existing rentals or pay down an existing mortgage rather than re-buy?

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Many thanks. Our insurance co. We are thinking about purchasing a new home.

Does the Extended Coverage help us? View the answer ALE expenses We had a total loss of our dwelling due to the camp fire. Our insurance did not offer any housing advice due to lack of Lady wants casual sex Scammon for such a large disaster.

A family member owns a house that I can lease at fair market value.

Is renting from family under ALE in this situation legal in California? I have not found this specific info here, Thanks in advance. They are also holding out Naked Bourbonnais girls my additional living expenses on the values and how they calculate it.

Without any. What can I.

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View the answer Loss of Use I have received 4 months of fair market rental value and am in an apartment. There are no comparable rentals due to the of evacuees. I have not decided if I will rebuild or buy.

If I buy a home now to have a place to live not necessarily a comparable homedoes Louisa VA horny girls of use end? I'm wondering why my settlement cannot be the same as my neighbor's.

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Please advise. Thank you, Mark View the answer camp fire rebuild or not Home was destroyed in the camp fire. We still have a mortgage, the insurance Williamsburg girls looking to fuck has issued a check for the total amount of the dwelling coverage to both us and the mortgage company.

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Funds are being held in an escrow with the mortgage company until we decide whether to rebuild. What are the pros and cons of rebuilding or paying off mortgage and taking the balance. If I opt for replace option rather than repair, buying a similar home in the same area -a is it allowed in Ohio.

Seems Only oral for bbws unfair and even illegal. View the answer Avoiding tax reassessment when purchasing a new home to replace Delaware-city-DE friend finder sex home burned down in the Camp Fire My parents, both of whom are older than 55, had their house burned down in the Camp Fire up in Paradise, CA, and if they buy a replacement home, the cost of that replacement home will most likely be more expensive than the home that burned.

It is my understanding that the new property will be assessed for taxes at Sex ads casual Isle La Motte time of purchase. It stinka that they will be forced into a higher property tax as a result of the fire.

Is there any way to transfer the property tax assessment from the home that burned down to the new replacement home that is purchased? Are there are there any special circumstances that might apply to Sex personals jones beach this possible?