We recently had to file our first homeowners insurance claim in the 6 years we’ve owned our house. We had a huge storm with 75+ mph winds and torrential rains, tornadoes etc. We randomly had the wood paneling in our living room (interior wall, other side is a bedroom) sustain water damage. It was wet and mushy and all warped. We want it fixed because we don’t want mold growing etc. roof is 4 years old so we aren’t sure how water got in. We also need a professional to figure out how this happened. Anyway, State Farm says it’s covered under our policy. We have a $3,000 deductible. They said they deduct the deductible from the money they send us for the repairs. We don’t pay it up front. (We are waiting for a callback from the contractor they helped us find). To me that sounds like if it’s going to cost $6,000 to fix they take off $3k and we only get $3k. My husband thinks we get the full amount for the repairs which makes no sense to me. State farm has to pay themselves the deductible. We had a total loss on a car last year and they took the deductible out of that and we got less money back for our payment. So that’s why I think we aren’t going to get the full amount (which is not going to be helpful we don’t have a ton of money right now). So anyone know who’s right?

About 3 months ago, I got in a car crash where the car got fairly significant damage (I oversteered into a tree). I notified both the local police department and Hertz about the crash, got incident reports from both, and moved on with my merry life (after getting a replacement vehicle from Hertz). I got emailed a request to fill in a vehicle incident report from Hertz, which I submitted the day of receipt. Now here’s the thing: I didn’t have any insurance from Hertz, relying on secondary insurance from my credit card. I don’t own a car, so there’s no primary auto insurance to speak of. My credit card insurance provider requires claims to be submitted within 100 days of incident for them to consider them, and they require a statement of claim from the rental agency in order to submit claims. I’ve gotten crickets from Hertz in this respect the past two months…and I’m concerned that they won’t provide me with paperwork in time for me to appropriately file the claim. I was *considering* sending Hertz a polite but firm letter using certified mail asking them to provide me with a statement of claim in a timely manner in order for me to proceed with this claim given that I don’t want to wake up to a $20,000 bill from Hertz in half a year or something that my credit card insurance policy won’t cover. Is this a good idea? If not, anything else I should consider? I’d appreciate any advice! Jurisdiction: the car was rented in Virginia with a New York drop-off. The crash occurred in Virginia, and I’m a New York resident.

I got a new puppy (7 weeks old). Got embrace pet insurance that same day. Took her in for her first vet appointment as a good pet owner should about a week later. Obviously this was still during the illness waiting period. But it appeared I had a nice healthy puppy. Turns out she has a heart murmur. First vet graded it as a grade 4 and told me to see a cardiologist. I went and got a second opinion and they graded it as a grade 3 and we are going to watch it and see if it goes away in the next couple months. Anyway, embrace pulled the SOAP notes from the 2 vets and are saying it's not covered as it's a preexisting condition. I plan on appealing it, even going to the California insurance board or whatever it's called if I have to because it seems like that is such BS. I'm being punished for taking my pup to the vet too soon. My question is, what is the best way to word the appeal to the embrace adjuster? It's not right that an 8 week old puppy getting it's very first exam should get that classified as a preexisting condition.

Today my 3 year old hit the gas pedal on the golf cart and ran it into my other kids electric scooters/ the wall in my garage. I hopped off to grab stuff out of the back “trunk” type thing and next thing I know it’s gone forward and hit the house. Thankfully she was okay. She was scared, I was scared. We had a good cry. I have insurance on my golf cart. I called them up and they said after the deductible, the repairs to the golf cart would be covered but the damage to my other property (my home, my car, the electric bikes/scooters, my built in shelves and other random smaller items) will not be covered because I own those items. They said had it hit someone else’s scooters/house/car that would cover it. When I got the golf cart, I called my insurance agent so I could add it to my homeowners policy and she said it was cheaper to have a separate policy for just the golf cart and to go through progressive. So this is what I did. I called my insurance company after hearing this news from progressive, and they said they could cover it under our homeowners policy- but that we would have to pay that deductible too. It wouldn’t be worth it to pay both deductibles. I am just surprised that progressive isn’t covering any of the personal property damage. Is this a normal thing?

Hi everyone, the title is basically it. I have a marketplace plan starting last year. I signed up for autopay, or so I thought. Turns out not a cent came out after the first payment. There was zero notice. They said they snail mailed me something but I'm in the process of moving and my mail comes to my parents house. Not to mention if I saw something I would have assumed it was a monthly statement and tossed it. They had my email, my phone number, i received multiple emails but not a word about my account. I have a medication I order about once a month that costs around 2-3k without insurance and I'm racking my brain to figure out if it shipped after january. TLDR - bcbs told me that my account is just termed. I cant reactivate and need to contact the marketplace. Does anyone have any advice?

My father died and we are in process of cleaning and getting ready for resale in Illinois. I called State Farm and explained they told me the renewal in October may be subject to non renewal. And said to add a vacancy clause will be very expensive. Should I shop Around now or wait? I am executor. What happens to utilities if house isn’t insured? Someone told me they get turned off.

CA folks — need some insurance wisdom. New home in contract → current home becomes secondary. 2 autos + want an umbrella policy. Been with GEICO forever but they keep hiking rates. What’s the smartest way to shop & compare bundled quotes for all of this in California’s nightmare insurance market? Any go-to brokers or tools you recommend?

I feel like this rate is insane for me being by myself 21 year old male in a brand new $50k plus Cadillac, I do need the snapshot through progressive (absolutely hate that) but I have been told my policy is half what it should be anywhere else. Clean record but why is my policy so low? I have average deductibles and had a third party review my account and said the coverage is right where it should be.

Someone hit my car. Air bags went off on one side and bumper poked the radiator. Bumper and hood are crumpled but it doesnt look like anything else is damaged. No broken glass, and I can see under the hood and everything else is fine. Its a 2019 but good mileage and was in perfect condition prior. Filed insurance claim. It was the other personsfaultbut of course they didnt have insurance. Realistically what is the outcome? Weve had progressive for years. No claims for atleast 5 years. Edit: sorry 2019 Jeep Cherokee

Hey all, I’ve been having issues with my insurance trying to approve a surgery. My surgeon submitted a prior authorization and they denied it. They resubmitted it with a different diagnosis to meet the criteria. They usually take 5-10 business days. But within 48 hours I checked my UHC account and it said “cancelled”. What does it mean when it’s been “cancelled” and not actually denied? I have United Healthcare through my mom’s work. Thanks!