Location: South Texas Hello! I recently purchased my first home here in a coastal city in the state of Texas. As all of us on the gulf coast know, I am required by my mortgage lender to carry a windstorm policy for protection during hurricane season. This policy was set up by my home insurance company, and therein lies my issue. The home insurance company filed incorrect paperwork which inaccurately qualified my home for windstorm coverage and additionally inaccurately qualified my home for the mortgage company to lend to me. Can I (or the mortgage lender) file suit against the insurance company for this error? Edit: apologies for leaving out important context. The Texas windstorm agency has informed me that my policy will be discontinued in April if I do not provide the original paperwork for the property from 1988. (The paperwork was not completed in 88 despite insurance claiming it was) And if I cannot provide the paperwork I will be charged a 15% addendum to the premium in order to maintain my coverage.

I'm currently age 64 and in the throes of buying a LTC upfront 120k premium, "return of premium" for One America LTC insurance, and am working with a "financial advisor" who requests all my personal financial, living wills, etc. I feel like I'm being sucked into a ruse of their playing a role of financial advisor for a fee, when all I want is purchase of the policy, which, I thought, only needs my medical records? Help me out here...please. For upfront payment, am I being played that I have to provide personal financial info?

I recently almost got into an accident where the person in front of me stopped in an active lane of traffic and I had to hard brake. I stopped short of hitting the guy's bumper and we both pulled over to check if there's any damage. Confirmed no damage but he made me exchange phone numbers and driver's license info with him and we took pictures of the cars before going our separate ways. I didn't file a claim nor let my insurance know since there was no collision to begin with. A couple of days later I got a voicemail from his insurance's claims adjuster saying that a claim was made against me for a rear-end collision. Since it was after-hours I called the general support line for his insurance and got a hold of a live agent who was able to give me more information and what to do to dispute the claim. I've provided the pictures and dashcam footage leading up to the encounter to the claims adjuster and also filed a claim with my insurance because there's no other way of getting a hold of someone in my insurance until the weekday (I blame Tesla Insurance for shotty staffing). I wanted to ask the community if there's anything else I should do or be aware of in this process. I think the guy is trying to make a claim that I damaged his bumper as he had existing damage there (I confirmed in the pictures and the dashcam footage). EDIT: Forgot to mention that I plan on calling the other guy's claims adjuster as well as the one assigned to my claim to confirm receipt of information and if I need to provide anything else. I sent the pictures and dashcam footage to my claims adjuster as well.

Recently a storm blew through and did a ton of damage in the neighborhood. Adjustor came out and declared the roof a total loss, however all said they were exploring possible negligence. Couple weeks later they declared that the could only pay for half the roof because they had pictures of roof damage 2 years ago (damage was just a dozen or so 3 tab shingles that had torn off, nothing major, which was since repaired). The next day they just deposited the money in my bank account, however I haven't signed or agreed to anything. Is it possible or worthwhile to fight this? Unfortunately I don't have a paper trail of the roof repair because a friend of mine fixed it to return a favor. I spoke with a roofing company with good reviews on Google who said they will fight it for us. That a good idea? Also reaching out to my friend to see if he has any companies he recommends.

My question in the title does not in anyway mean as an attack, simply my genuine curiosity based on my personal experience. My parents recently migrated to California so we went to a certified enrollment counselor in NorCal. For some reason this counselor keeps pushing BenefitsCal and also to sign up for her clinic's health care plan. I am already a Kaiser member myself, so I wished to sign my parents up for Kaiser as well. But she kept pushing back, I assume because she benefited if we signed up for her orgs plan. The whole thing made me very uncomfortable. Wondering if anyone has experiencedthe same?

My car is a **1989 Honda Civic RT4WD Standard** — these are practically unheard of now. I know insurance companies won’t pay for uninsured upgrades, but I recently spent **over $8k** on paint and body work to restore it to factory condition. The paint, trim, wheels, and tires are perfect. Unfortunately, we had a hailstorm while I wasn’t home, and the car got **hammered**. The insurance company is using comps from the much less desirable **2WD automatic** version, which sells for around $5k. I can’t even find a standard RT4WD for sale, but the closest condition autos I can find go for close to **$10k**. Similar Japanese “Beagle” versions are also around $10k. The insurance company says they can only use **dealership** listings (not private party), and since neither I nor the adjuster can find a dealer listing for my model, they’ve offered me **$4k**. I know it’s worth much more. I’m looking to get a **3rd-party valuation** but don’t know where to start. Has anyone here actually used a company for this and can share their experience? I can Google, but I’d prefer first-hand recommendations. Once this is resolved, I plan to move the car to **Hagerty** since they seem to handle collector/older car valuations much better.

I have Allstate homeowners insurance in Southern California. I heard a noise in my kitchen a little while after I started my dishwasher so I went to investigate. I found my kitchen floors were covered in water. I finally realized it was a burst water inlet pipe underneath my kitchen sink. I’ve been trying to get a hold of my agent but he isn’t available today. I spoke to someone through Allstate and was told to call somebody out to mitigate damages. I’m afraid to have somebody come out and tear up my kitchen if the insurance is not going to cover it.

Location: Maryland (currently living in Georgia now) So I got into a car wreck back in December. My car received 7 grand in damages but managed to make it out. I ended up going to the hospital because of the wreck and the at fault driver hit another vehicle as well totaling both of their cars. Now some months later my insurance company, who is handle my legal matters (it’s USAA if it matters), has informed me that the at fault party has been sent to collections. And I was told if they don’t respond their license will be indefinitely suspended. But nothing else really? I have lost a lot from this accident keeping me out of work and a vehicle for quite a while. And the value of my perfect condition vehicle has made it work about a couple of grand when its initial selling value was over 12 grand. I am a safe driver and I feel like I’m being punished for an irresponsible driver and my insurance isn’t really doing much to remedy the situation cause at this point it really has been money out of my pocket. Also the at fault driver was uninsured as well. I don’t know what to do and it’s been making me really kind of sad about it.

A few weeks ago, my car was hit in my workplace parking lot here in Minnesota. I made a police report and got security footage of the incident. While the footage didn’t directly show the other car making contact, one angle captured the only vehicle near mine, and another angle showed my car rocking from the impact. The police reviewed the footage and agreed that the vehicle likely hit me but noted that we needed to identify the specific car since we didn’t have a license plate. Fortunately, since this happened at my workplace, we were able to find a matching vehicle based on make, model, decals, and wheels. Upon inspecting the suspected car, it had scratches exactly where the damage on my car lined up. While I understand this is circumstantial evidence, it strongly suggests that this is the car that hit me. I filed a claim with their insurance (State Farm) and provided all the evidence. However, I’ve been calling every other day for updates, and State Farm keeps telling me they haven’t been able to reach their policyholder. At this point, I’m stuck waiting with no progress. I’m considering small claims court, but that’s really a last resort since I work with this person, and they’re actually my cubicle neighbor. I’d prefer to resolve this through insurance if possible. For those who have dealt with similar situations—what are my options? Is there anything else I can do to move the claim forward?

Trupanion raised by rate by 56% on my dog who is not yet 2. In other words, we've only had the policy for about 1 1/2 years. She continues to be in perfect health too, no claims. What a breech of trust! I've never missed a premium payment.