Hello, hurricane damage claim. State Farm. Upon reviewing my latest final estimate, I noticed that it is missing around $34k of damage for items: hazardous material/asbestos removal, water remediation and tree removal. These items have already been included in previous estimates but they are not listed in the most recent one. Two line items are removed completely and the tree removal was deducted from previous demolition line item now showing $500 when it was $9000 (with tree removal) This estimate has increased based on some other items like additional roofing repairs and other things to the tune of about $40k, but with the removal of $34k in line items it only goes a little higher. I am concerned why those items would be removed. I have a call into the adjuster but looking to see if anyone has any ideas. I can’t tell if they took it out to see if we’d notice and playing games or what. Those items have already been paid previously and the roof is complete as well so it doesn’t make sense to me.

Hi all, Unfortunately, someone (without insurance) hit my parked car earlier this month. I have their information and going through a claim now with progressive to get my car fixed. I assumed even though I was not at fault that my insurance would go up, but I just paid in full in June for the next 6 months and progressive just sent me a bill for $250 due in August? This seems a little crazy! I didn't think it would go up that much, nor did I think I would already have to pay a premium, thought this would be at renewal. Please let me know what I should do. Thanks!

My parents applied for health insurance through Maryland Health Connection, and were told they were eligible for an advanced premium tax credit. Now that they are doing their taxes, it appears that there was a large overestimation of the amount on the premium tax credit they were eligible for, resulting in them owing about $15,000 in taxes. If this is the fault of Maryland Health Connections for overestimating the amount on the premium tax credit they were eligible for, is there anything that can be done about this?

Don’t trust this company! We had our mortgage insurance one year from 2170 to the following year 4340! Double! Well our dwelling went from 356,000 to 375,000.

My wife was driving and was hit in the rear driver panel and part of the rear tire in a hit and run. The car was drivable so it was not towed. The impact caused the tire to toe out however. For context, I had the specific tire that was hit replaced maybe two months ago. That being said, BOTH rear tires were worn down to bald and wire showing in some areas. Progressive has deemed that only the drivers side tire is eligible for coverage because it caused sidewall damage and that the tires are bald because it is a performance vehicle. They are also saying that a single tire being improperly aligned/toed would not cause any additional wear to the other tires. Do I have any options as far as getting them to cover the passenger tire? Is there a magic phrase or wording I need to use? I understand that a new tire is only around $250 to mount and balance but I feel like this is something the insurance should cover given the circumstances.

I am getting a new car delivered to me friday and trading my old one in, I went to update my insurance policy through state farm & it’s showing my total change cost to be $733 just to remove my old car & add the new one. Is this normal? That seems insanely high

Are there any stated income HELOCs out there? I dragged my feet on UMPQUA which auto approved up to 100k, but when I finally got around to applying, they changed their DTI from 50 to 40% and their estimated DTI for me came 38-43% so it triggered stips. I don't need a HELOC, but would like to open one just in case. Figure is popular, but requires you to draw the full applied amount for, and they charge you 5% off that (big no thanks). I have about $200k in room for 85% CLTV, but I'm ok with max limits of $100k for auto approvals. Anything full doc is not worth my time, so I don't want to go down those avenues, and I don't want anything that requires a draw at open that you get a fat charge on. Thanks!

I was a USAA member for 18 years, 15 of which with a good driving record. For a 11 of those years I served in the US Army, with 10 combat deployments to Iraq and Afghanistan. I was awarded the Bronze Star, among other honors. I was discharged honorably. After the military about three years ago I was going through traumatic personal issues and often drove distracted. During a 12 month period I was in a series of low impact auto accidents. Two of them were just backing into somebody’s fender in a parking lot. However 6 months after the last accident the computer at USAA determined I was too high risk and without providing any kind of appeal process sent me an automated letter informing me they would no longer cover me. I called and I was informed that there was no appeal process for the computers decision. The computer didn’t request my military record, nor consider my driving record for 15 years prior to that, and the humans at USAA would only listen to a computer that doesn’t understand nor care about context or give credit for military service. I was informed that there was no human being capable of overriding the computer’s decision at any level of the company. I’ve tried every major insurance company, and all of the minor ones that I can find, and they all use the same computer algorithm. I was never impaired. I didn’t hurt anybody. I’m not required to be on an SR 22. I have a valid drivers license. .. and I cannot get auto insurance. Recently, I did find two places that would insure me, .. for $2000 a month.. I have been unable to work for close to a year. Soon, I will lose my house. Does anybody know of any insurance company where human beings are still allowed to make their own determination? Is there any way to get commercial auto insurance through an LLC that doesn’t require my driving record? Is there any way to challenge my driving record, or have it improved? Or anything that I can do to convince the computer, or any person I could talk to at the state level or in the private sector that might be able to help me? I’ve tried everything I can think of. I don’t know where else to go. Thank you in advance 🙏🏻

I am a SF policyholder that was rear ended by an AllState customer. I opened a claim with SF because I wasn’t sure of the Allstate customers limits and also wanted to use my PIP coverage from SF versus dealing with Allstate. That was an incredibly bad decision on my part. Allstate has done an OUTSTANDING job of handling my claim even though I am not a customer. They paid for 21 days of rental car within two days of me submitting my receipt. Allstate has been responsive by email and phone. SF on the other hand has been the worst customer service experience I have ever had. No response to emails, calls are routed to first line customer service that has zero knowledge and just submits a request or ticket to the actual claims handlers. My medical bills are going unpaid and now into collections, the hospital claim is sitting unhandled and the subrogation on the body damage is somewhere out in the ether waiting for one of the mystery claims handlers I can’t contact to handle. Jesus, my first claim with SF in over 30 years of being a policyholder and they treat my like a red headed step child and Allstate, who has no customer relationship with me, is johnny on the spot. What a sad state of affairs that is SF. I have no idea how to get SF to move and handle their responsibilities short of a complaint to the Insurance commission. Is this the way it is with SF now?

My husband and I signed up for BCBS of Illinois PPO+ plan through his work this year. I started seeing a physiatrist who was in network. When my claim was submitted, they only approved a discount from $360 to $219 leaving me having to pay $219 out of pocket. I previously had United Healthcare from my last company and with that insurance my physiatry appointments were only $30. I have read through our policy agreement but have to admit, I have no idea what I am reading. Can someone help explain what is different between my currently BCBS plan that only approves a discount vs other plans who only make you pay the co-pay? Thank you!