I unwisely booked a 4 day festival ticket that I don’t think I can attend. I have a pre existing condition and at the time, I didn’t consider how my impaired my mental and physical stamina is. I’m trying to file my claim but I’m worried because pre existing conditions are excluded. I’m seeing a psychiatrist and therapist about OCD however (which factors into why I can’t go all four days). Will Allianz accept this reason and documentation for it?

Is it even legal for Healthy Paws pet insurance to increase premiums at almost 200% in CA? This is outrageously high!! Anyone experiencing the same? #healthypawspetinsurance

Is it even legal for Healthy Paws pet insurance to increase premiums at almost 200% in CA? This is outrageously high!! Anyone experiencing the same? #healthypawspetinsurance

Hi all, (Reposting because I didn't know how to format) TL;DR: Insurance denying approximately 40K worth of costs (approved line items, just more expensive in the region than their estimate), went to appraisal with adjusters, umpire selected, month later learn that insurance company is now represented by lawyers. We experienced a water damage claim impacting a 3-story townhouse, all continuous wood flooring, walls, and kitchen cabinets, counter, backsplash, with Traveler's in Dec 2023. We are located in King County, Washington; the house is built into a slope not directly accessible to the street and is stand-alone (no shared walls) on a plot with 3 other homes. My initial quotes from contractors up to 100K. I went with a contractor who quoted around 80K, good guy. Escalated through several Traveler's adjusters in Winter 2024 until an adjuster came in person in late Winter and agreed with our contractor and the work moved forward. The insurance company adjuster recognized that the costs were going to be pretty high and was working well with our contractor, it seemed. I handled cabinets, backsplash, and counters directly with a subcontractor and my contractor handled drywall, paint, flooring, pack-out and move in, and more. I got approval from insurance adjuster along the way and ended up getting approval for all of the kitchen work, fully covered, around 33K. Due to delays from Travelers and subcontractors, with materials being hard to come by, our kitchen floor was unfinished with nails sticking out until May 2024. We wanted to keep things moving and settled on cheaper flooring than an exact match that was available sooner than the Fall, so we moved out in May (I had gotten approval for housing costs in early May from insurance for several weeks). Then, for whatever reason, their adjuster stopped responding to my contractor for a few weeks in, approximately, late-May and June. The flooring and painting work was finally done and the cabinetry, counters, etc. mostly got done in mid-late July. The work was mostly completed by August except for a few small things. The final costs of the new installation of cabinets, counters, backsplash in the kitchen, which I had handled and which had been covered, was approximately 33K which has all been paid out and completed. Mitigation was done for 6.6K with a separate company. The remainder of the tear down, pack out, dry wall, painting, flooring, cleaning, plumbing, electrical, etc., onwards from my contractor ended up being 105K. With the previous adjuster, the claim was sitting around 70k estimate from the insurance side with an expectation that it would go up conveyed verbally with their adjuster several times. In this period, since the insurance adjuster had stopped responding, my contractor had reached out directly to Traveler's. At some point a new adjuster was assigned and then, in June/July, the case was passed through, I believe, 3 more adjusters. The final adjuster basically went through and wrapped up the claim, including recoverable depreciation, but didn't really acknowledge the actual costs of the materials, labor, compared to their estimate and essentially closed the claim at approximately 95K total, which included mitigation, kitchen, and the contractor's work. That left a gap of approximately 40K still due to my contractor. After a month or so of back and forth, we agreed with the final insurance adjuster, to go to appraisal in November. We selected an adjuster. It seems that nothing was happening for several weeks and then eventually Travelers selected their adjuster and he actually came to inspect the house in December. Then per our adjuster, unable to be reached/unresponsive for several weeks. Once they did get into contact and went back and forth in late February, they finally agreed on an umpire. Then, out of nowhere, in mid-March, the third party adjuster representing Travelers informed our adjuster that Traveler's had assigned or hired lawyers to handle this claim and they were no longer continuing the appraisal as previously agreed upon. Here is the policy language regarding appraisal: ...7. Appraisal. If you and we fail to agree on the amount of loss, either party may demand an appraisal of the loss. In this event, each party will choose a competent and impartial appraiser within 20 days after receiving a written request from the other. The two appraisers will choose an umpire. If they cannot agree upon an umpire within 15 days, you or we may request that the choice be made by a judge of a court of record in the state where the “residence premises” is located. The appraisers will separately set the amount of loss. If the appraisers submit a report of an agreement to us, the amount agreed upon will be the amount of loss. If they fail to agree, they will submit their differences to the umpire. A decision agreed to by any two will set the amount of loss. Each party will: a. Pay its own appraiser; and b. Bear the other expenses of the appraisal and umpire equally. My question is - why did Travelers go with attorneys after there was an umpire selected? - Could it be something as simple as the timeline being so protracted? We have emails showing the umpire was agreed upon a month ago. - I am concerned that, as I see in this community, our adjuster was filling the costs to try to get a better negotiating position... Not sure if that would play into this...? - The work was expensive and challenging to complete but there are no line items that were not previously approved - they just cost more than what the insurance company estimated. I have not heard anything directly from Travelers. My contractor has been wrecked in this process, it's been tough for me as well. The idea that we need to face an attorney is rough. Appreciate anyone's insights or guidance! TL;DR: Insurance denying approximately 40K worth of costs (approved line items, just more expensive in the region than their estimate), went to appraisal with adjusters, umpire selected, month later learn that insurance company is now represented by lawyers.

Is it even legal for Healthy Paws pet insurance to increase premiums at almost 200% in CA? This is outrageously high!! Anyone experiencing the same? #healthypawspetinsurance

I’m 23, no accident or tickets at all currently driving a 2021 Mazda3 hatchback, no loan on the car. Currently paying 362 a month for full coverage with USAA and live in Florida. Should I look elsewhere for insurance? I’ve been with USAA 5 years now and I’m starting to think I’m over paying.

Is it even legal for Healthy Paws pet insurance to increase premiums at almost 200% in CA? This is outrageously high!! Anyone experiencing the same? #healthypawspetinsurance

Hello. Hoping someone can provide some advice on my next steps. The short version: I bought my house in 2016, at that time State Farm determined my house to be 5000 sq ft., it’s actually 2500 sq ft. Due to them thinking my house was twice the size my annual premiums were higher than they should be. This all came to light this week. My 2025 premium is now $600 less than originally charged. My agent is aware and admitted the mistake but has also told me there’s nothing they can do to recalculate the historical values of my house with the correct square footage. Do I have any recourse to get refunded for the past years I’ve paid the incorrect amount?

Does anyone have experience with this company? I don’t expect any claims but how are they in this area? I’ve had Foremost for several years but this renewal they screwed me with 3x increase. No claims. I’m in SoCal. Apparently another broker couldn’t find me a quote and my current broker has ignored several of my inquiries for options. I understand it’s tough to get affordable fire insurance in Cali. Arghhhh

This past Sunday, while watching a movie at a theater, someone ran over brand new my motorcycle in the parking lot. Thankfully the person who did, told an employee and waited for me. He gave me all of his information. I filled a claim with his insurance, The Hartford and am a little worried about it now. Within a day of filing the claim, they have switched the adjuster and the new adjuster told me, “honestly, I don’t know. I’m not going to ghost you…” when I asked for a timeline on them getting back to me. Are they just going to give me the run around?