I wanted to share our ongoing battle with CNA Surety. Contractor licensing bonds are supposed to protect homeowners by ensuring that contractors meet their obligations and pay out when they don’t. But here’s the problem: CNA Surety claims they have no duty to investigate or pay out unless there’s a court order—meaning you’d have to sue and win in court first before any funds are released. This issue is now under review by the California Department of Insurance, which is conducting a broader market review. Redacted snippetof their stance: [CNA's Stance](https://imgur.com/a/xVNebbg) Has anyone here ever actually received a payout on a contractor licensing bond claim? What do you think is really going on with this practice?

So I recently got pet insurance with MetLife that includes coverage for injury (no waiting period) and illness (14 day waiting period). Only a few days after the policy became active, we were playing fetch on an embankment and he came back limping. Turns out he had torn his back left CCL. When I submitted the claim, it is being initially denied and the reason is that it was within the illness waiting period. My dog has never had any issues with limping and there are no previous notes in his vet file that he has ever had any muscular skeletal issues. Actually, there is a note that says he had "great hip mobility" from only a few months ago. When I took him in to the vet, they sent his xrays off to radiology and there is a note that says "has bilateral degenerative joint disease knee moderate left and mild right. Both hips degenerative joint disease". My question is do you think I will win the appeal that this is an injury and not an illness? He did not have any limping previously and it was directly connected to when we were playing fetch :(.

I’m not having a good experience with Pet’s Best. Started my policy in November for a 3yr old rescue. It has been about 4 weeks since I submitted my last claim. Emails came saying they’ve reached out to (wrong vet) for medical records. I call my vet and they get emailed to PB within minutes. Today I get another email asking for my help. I forward the same email from my vet to them. Then sign in to see they have all the medical records and have labeled them “valid”. It’s almost like they’re holding off until I get charged for another month. Meanwhile, they reimbursed for hookworm medication within a week of submitting the claim. That was my latest claim.

Hi, I recently adopted a 1 year old retriever mix and he was limping so we had to get him checked, turns out the doctor said while playing he might have hurt himself and he will recover in 2-3 months but now I was planning to get insurance from SPOT or ASPCA , they have specifically written knee and ligament conditions are pre existing forever so for example if my dog gets arthritis later in his life, would that be a pre existing condition? I am trying to find the insurance for my dog, I had pretty bad experience with FETCH so definitely no FETCH for us. Can you let me know what's the best insurance I can use to insure my dog given this curable injury is not considered pre existing for any bigger condition.

Is there a way to dispute your cars value ? Insurance gave me a value of $12,000(I think that’s HIGH) for my 17’ Chevy Cruze with close to 180,000 miles on it + body damage . I was hit by usps and the damage is roughly $6,000-6,500 so we tried to get usps to pay for the damage but they won’t exceed $5,400 because my cars not worth more than that to them (which I agree) I’ve personally been saying since I got the repair estimate costs that it’s totaled. Kellybluebook value is about $5,300, a car dealership gave me $6,000 for the value so HOW is insurance $6,000 more than the 3 of those values. If usps won’t even give me the amount of damage shouldn’t my Isnurance reconsider their value ?

Tried adding pics but the rules won't allow me 🥲 Howdy Everyone, I'm posting on here hoping to get some help. Background: My wife and I bought this home about 3 years ago with signs of potential termite treatment( burrowed holes 1ft apart the whole house). We live in a plant hardiness zone 10a? I googled it. We didn't see it as an issue since there was no sign of existent pests or insects. The house was left abandoned for several years though with overgrown grass. The neighbors would take turns cutting the grass since it's a community and thus house was not being kept up. Anyways, we buy it and within a year, we see small ants crawling around the house. We didn't see it as a problem since there weren't that many and it's honestly quote normal to just see a couple of an wondering around. A year later, around spring season, in a couple walls from a room, we see a discharge of trash come out of the bottom from between the walls. It had dirt, dead ants and wings seems to be carpenter ants. Immediately we call a couple of exterminators and they both concluded it was carpenter ants. Ok fine, we went with orkin services which sold us a contract to treat inside and outside. A year goes by and we are still sewing these ants crawling up the house from outside and the discharge every now and then. After constant contacts with Orkin and them coming to treat them we didn't see any progress with them. We decided to not renew our contract. We called and they insisted on sending out a tech to check out the issue. The guy gave me a rundown that it is definelty a carpenter ant and that they need to treat specifically for that..which I though that's what they had been doing. Apparently he said that we had just been getting the common pest control plan. WHAT?!?! The issue is not common pest but a pest specifically!! I got mad, they tried to sell me more services and then a perimeter cleanse and what not. He kept insisiting on selling me the 10k services. Kicked him out the house respectfully and blocked their number. Present: Which leads me to now. I'm now trying to treat the ants myself and bought these terro ant bait stakes, terro liquid ant baits for indoor, and the Terro ant killer shaker bag I've had these for about 3 weeks now and the ant seem to be eating it but there are still so many ants coming into the home. I see them going into the stakes and piling it up with dirt as if they were closing these baits off. Smart Mfkrs lol Anvone have anv more ideas on what I could do? I also tried plugging up the holes but they just creat new ones lol

Hi. I have never seen any insurance company charge interest on car insurance. I got the paperwork and my payment went up 70.00 a month from what he quoted me. The interest is 14.5 % for not paying it off in full. How many people can pay 6000 yearly in full. This is crazy. Please help me understand. Ty :)

Has anyone done the PTIT program recently? I got a citation for suspended registration in January and my court date is next week. Today I got a post card in the mail saying my case might be eligible for PTIT. This is my first ticket/citation ever in life so I’m just not sure what to do. My registration was suspended at the fault of my insurance company. In October 2024 I switched from Progressive to Geico and Geico never reported my new insurance to the state so I was unaware I had been driving with suspended registration since about October 2024. I have since called my insurance company to have them report it and make everything right. My registration has been restored and fees waived. The officer told me on site that if I just call and have them do this I wouldn’t have to appear. I called the court today and they told me I still had to come despite what the officer told me on the stop. Should I consider PTIT? I think this may be a program only in Atlanta, but I’m not sure. Should I see a judge and provide my documents and hope they throw it out? I just don’t want any points on my license or charges against me so I’m not sure what to do. With PTIT do I pay same day I go to court? How does all this work

I’m bringing home a puppy in two weeks. This breed (golden retriever) is prone to cancer and foreign body ingestion. We also live in an area with a lot of Lyme disease and I heard the vaccine doesn’t always work, so I want insurance that covers things the dog is vaccinated against (because we can do our best but Lyme could still get us). Anyone have any recommendations? I’m overwhelmed with all the options. I don’t care about paying the vet directly. We don’t mind a higher deductible- we really just truly want catastrophic coverage like cancer or surgery. Dental problems (not cleaning but actual problems) would be good too but it’s not 100 percent necessary. No matter what option I start to go with when I look it up there seems to be problems. I’m leaning to Embrace because they would cover Lyme. Trupanion seems like the rates go too high over time. Healthy Paws won’t do Lyme. Lemonade seems like people don’t trust it.

So…I’ve had Nationwide for my Yorkie since I got him. For five years. They paid 90% which I think is exceptional. In fact, they’ve stopped that practice! He’s had pancreatitis twice, allergies and other expensive issues. Today I received a notice I was being cancelled. I feared it as the bills have been very high. My question is…Now What?? What recommendations do you have? Will a new company accept pre existing conditions? Who pays out the best and the fastest? I appreciate all thoughts! TIA