So this is a bit long and involved. I’m a 25M who just moved back home to take over a family business after a family member was diagnosed with Alzheimer’s. We have a block of commercial units we rent out, most of them under one roof, and two units disconnected from the main building. In total we have about 75,000 SF of commercial retail space. Problem is when the landlord has Alzheimer’s they forget to do important things like carrying insurance on the main building with 65,000 SF. So I went to the insurance agency we’ve always went through for literally everything commercial or otherwise. They insisted for two months that I had coverage on all the properties (unfortunately I don’t have that in writing) despite being unable to provide a bill or declarations listing the units. It took me ambushing the agent at the office an hour away and showing her a map of the property for her to understand that despite the disconnected units being covered, the main building and parking lot carried no coverage. She had never even audited the property or looked at it on maps nor visited it. She finally says she’ll get working on adding the main units to the policy, and today she emails me right before she leaves to tell me there is no way possible for auto-owners to cover us as we have two restaurants on the property (my gf used to work as a receptionist at a different agency auto-owners does do commercial coverage for restaurants in my area). So now I’m stuck here with no insurance on a multimillion dollar lot because I get the feeling the agent doesn’t feel like rewriting the policy. All of my families coverage for everything is through this agency and auto-owners but the agency is incompetent at the very least and it’s evident I need to switch agencies at least. The only experience I have with insurance prior to this is renters insurance and personal auto, I’m really at a loss for where to start or what I should be switching around. Any advice or guidance is appreciated.

I hit a deer in August. Geico totalled the truck when the repair costs were $7263 and they valued my truck at $12,043. That is only 60% of the value of the truck, and half of the estimated repair cost was paint. I had the vehicle repaired by October. Geico told me I need to submit a physical copy of the salvage title application. I asked multiple times if i could submit it via pdf but they said no. I submitted the application in September, and never heard anything back. By December I reached out to the DMV about it and they said they had contacted Geico November 6th saying my application was denied because it was handwritten. Geico never reached out to me about this, and at this point I had been out of a vehicle for 4 months. They offered no compensation at all. No rental car. As of March 13th I still have not been able to get the truck on the road. Everyone in my life knows that this has beaten me to death emotionally and mentally. I believe Geico totaled my vehicle unfairly, and then made the rest of the process incredibly difficult. This has cost me a lot of money and has stressed me out more than anything I have ever experienced.

I was just informed that my progressive home policy will be dropped due to the condition of my detached garage's roof. They want to see a signed contract to demolish the structure or replace the roof within "the immediate future." The problem is, we are working with a contractor and engineer to plan and permit a new 2 story garage/living space in its place and that process will likely take at least a year before breaking ground, maybe more. It would be a huge waste of money to re roof a structure that will be demolished and would be a huge inconvenience to demolish the structure over a year early. Does anyone know the magic words to say to impress upon them that the structure will be torn down. Or is there any way they can exclude that structure from my policy? Or am I SOL and should start shopping for a new policy?

Brief background: My boss lives in a private gated community. Last week a resident neighbour was driving out of the grounds, and as she was going through the gate one of our staff walked in front of the gate. I honestly don't know what happened but her car was damaged as the gate closed on her car. The neighbour said our team member was at fault. The gate mechanism is absolutely faulty and to blame. My boss said just to settle it and we paid her 1k for the damage (she got a garage quote). Now the community public liability insurance is saying that because we amicably settled with the Third Party, no claim by us will be entertained. I know that by rights the neighbour should have claimed on the community insurance, but my boss just wanted it dealt with and didn't want animosity with a neighbour. Do we have any recourse with the insurance company? My next plan will be legal action against the property managers, but I'd prefer not to go down that road! Edit: spelling

Not sure if I tagged this right, but basically I was covered by a MA ConnectorCare (CC) plan until January 31st of this year, and now I am covered by my employer's BCBS plan as of February 1st. I received my first Gardasil shot on January 31st, the last day my CC plan was active, but my doctor billed BCBS (I added it for my second shot on Feb 28th) and now I'm getting a $700 bill for the office visit and the shot because that coverage wasn't active yet. Is it possible to tell their billing department they need to retroactively bill the CC plan as that's what I was covered by on the date of service? I actually work at the office where I got my shots, and I have a pretty good idea of what my plan will cover with or without a copay, and this is not correct.

I’m sorry if this doesn’t make sense or for any errors, I am in shock. I have a state specific BCBS under my parents (meaning I’m the dependent). Last year after I moved out of state, they told me that they cover providers out of state. I’ve never had an issue with this. Now, I’m getting claims that I owe $700, $2,000, etc for every visit I’ve had this year (I have a chronic condition so, lots of visits). Turns out, our plan doesn’t cover out of state anymore. Were any of us informed of this? Haha no of course not silly! When did it start? Last year, ya know, when they were still telling me I was covered. I found these providers on the insurance website which is the big kicker & I had no idea bc I assumed “found on insurance website + office taking insurance + no bills yet = I’m covered”, but apparently I’m just that stupid. I even called to ask about providers. Now I owe $6,000+ that I don’t have. I’m in my 20s & in constant pain. I can’t afford not going to work despite hurting & not being able to breathe & now it seems like I can’t even afford living. They said the only thing I can do is submit a bunch of appeals saying I didn’t know about the policy change. I can’t go see doctors anymore. My job doesn’t provide insurance. If I want a plan that covers my health problems, it would be a minimum of $400/month which is insane. I don’t know what to do. Anyone else experience this?

Long story short I was in a car accident and State Farm went from saying my car was a total loss , then now not total loss. I didn’t accept it because my car is undrivable. I have been fighting them for months and I am in process for interviewing attorneys.. I lost my job and my home because I haven’t been able to work without a car. It’s been months. I went onto my account today and I saw a check for $2200 it said supplemental payment. I called and an agent that wasn’t my adjuster, because it’s the weekend & she stated that it was for damage from the car accident that they are paying for. My question is if I cash this check in my screwing myself to go forward and suing them for more money and for what the car is worth.? I know that you can cash a check in New York State and reopen a claim. However, I’m not sure about going forward and suing if you accept the money. I know that on a paper check sometimes it will state that you waive your right to sue them in the future. The paper check would include accompanying documentation often with a waiver stating you release further claims by accepting it. However, it is a digital check. I really do need the money so I don’t know what to do and 72 hours to cash a digital check will be up by tonight, I also noticed on my account that the claim is closed and the car was a total loss!? Any advice on what I should do with this check would be greatly appreciated ! Location: New York

I have comprehensive and liability coverage for my Class C RV through Safeco.The coverage is for full-time RV living. We've had a couple things happen. First, we had a tire blow out. This caused damage to the door to the LP tank, the shelf that holds the LP tank, and it literally blew a hole into our RV. It didn't cause any frame damage and the hole is in a location that doesn't make it a safety risk (it's under some drawers). When this happened, I didn't even think about insurance and that would continue for a while (mea culpa, I was really sick at the time). Fast forward a month. We'd just gotten onto I-90 near Utica NY when the bolts for one of our tires sheared off. We had to get towed and the next day the tire itself was fixed. There was some minor structural damage to the RV (cracked mirror oddly enough, a couple of dings on the back end) but then also began having cascading electrical issues: I can't confirm at this time but I think one of the bolts damaged something, most likely the RV's inverter. So I submit the claim for the tow, the repair to the tire and electrical damage, plus the damage for the tire blowout. We spoke to the adjuster the same day and she told us we should take the RV in for an estimate. We did that and the person who did the estimate told us that the insurance company would try to low ball us. Which they did. The adjuster knew we were getting an estimate as she'd asked us to. Meanwhile, they had their own estimator come up with some figures based entirely on the pictures that I submitted. And yeah, lowball they were - $1700 for the blowout damage and about $3500 for the damage when the bolts sheared on the tire. Each amount was less my deductible. That was yesterday. I sent the adjuster a text and told her the figures were very low, the labor rate alone was half what it should be, and the estimates seem to have some issues from the tire blowout damage and from the bolt shearing mixed up, so one of the estimates has some of both. No response. I know the company we went to submitted their estimate yesterday. But today, Safeco paid out based on their estimate. And they sent the payment to a random address that has no connection to me. I did email the adjuster and told her this isn't acceptable, it's not even based on an estimate by someone who has *looked* at my RV, and you send it to some address I've never heard of. I don't expect a response to that, either. So beyond the address issue, what are my options here? My RV is barely driveable and I live in it. I'm positive that the amount of damage to it is more than it's worth (it's an older RV). I am really discouraged at this point.

We’ve had Haalthy Paws since my two dogs were puppies. One is now 11 and one is 7 or 8. I just got this email that our monthly premium is increasing to $650 a month!!!! We can’t switch — they have preexisting conditions. This feels predatory. Is this legal? Has anyone successfully negotiated this?

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!