Bought our townhome 3 years ago, had home inspection, etc. Home was built in 2011. Ryan Homes, should have known as they are known for being built terribly. Fast forward to now, looks like the corners of most window frames (wooden part) are rotting away. Again, this house was built in 2011! I now see when we bought it, the owners must have had the defects covered up with caulk and paint etc. Is this something home insurance would fix? I'm sure the building warranty is expired since it's been more than 10 years since it was built.

Virginia Medicaid (cardinal care smiles) helped me see a dentist for the first time in a hot minute. Long story short, I just received correspondence that the crowns I need have been "partially denied." The exact denial was worded as, "We decided to partially deny the request.". They did not elaborate on why. What do I do from here? They stated "Your provider can ask to talk to our dentist that made thsi decision." So, do I have to reach out to the practice to REQUEST they advocate for me? Or were they also now notified? I was so excited to finally make headway with my dental health. I'm feeling like the grandma from that one scene in the incredibles right now haha. Thanks for any and all advice.

State is Michigan. I want to keep this as private as possible. Basically I had a double mastectomy back in the beginning of January. It was supposed to include liposuction on my sides to prevent 'dog ears'. I traveled 9 hours for this surgery. The swelling was so bad under my armpits I couldn't really see the open wounds. When I would do my cleaning and dressing changes every day I noticed a lot of discharge and blood. I had both of my sisters look at the wounds since I couldn't see them. I ended up going to the ER. The did cultures of both side wounds and started me on an IV antibiotic and an oral one. I contacted my surgeons office and got scheduled with a PA. They tried saying there was no infection and just to put Vaseline on it. They then extended my LOA at work. The ER contacted me and said that I had E. Coli and a staph infection. They changed the antibiotics because the one they prescribed wouldn't treat the infection. I relayed this info to my surgeons team. At this point I still haven't met with my surgeon after two months. I googled how to treat the wounds and took the care into my own hands. No doctor in my area will touch the surgical sights since they didn't perform the surgery. Two months later and I still have an open wound with discharge. Fast forward to this past Friday my health insurance sends me a subrogation claim letter to fill out. I have never heard of this before. It wanted me to file a police report and a LARA report. It also asked if I've hired an attorney. I called the state police post and they said to call the attorney general for any medical malpractice suits. So my question is how do I find the proper attorney and what are my steps now? I live in a small town and don't even think there are any attorneys that deal with medical malpractice. I have very detailed documentation of my infection and medical reports. Any advice is welcome.

I took a $2,000 medical loan for the root canal, and now DentaQuest is not reimbursing me. They are asking me why I didn’t go to one of their in-network endodontists. The reason is that I was in severe pain, and it took DentaQuest 2-3 weeks to find an endodontist, but they couldn’t find one in time. I eventually had to take out the loan and get the procedure done on my own. Now , still waiting for the DentaQuest reimbursement .

Has anyone used Clements Insurance? I'll be in Bangkok for 6 months to a year and I'm looking for full coverage on expensive personal property. They say they provide that coverage, but saying and doing....

I was hopping someone could help me. My family is adopting a puppy this April and we want to get insurance coverage for it. I have read reviews online and here and it seems like people don’t like most companies because, shockingly, insurance companies don’t want to pay up. So I guess what I’m asking is does anyone have a recommendation for a company that reliably pays claims? I’m not too concerned about reimbursement times a month is fine, but I just don’t want to get scammed. It seems Trumpanion is very popular but also is 2x the cost of everyone else, To the tune of 1200 a year. It seems from the research I have done, Lemonaid, Figo, Fetch and Met Life have plans I could work with. Fetch being the cheapest and covering initial visits which is cool But concerning that it’s so cheap. Also is 10,000 annual coverage sufficient? I live in Seattle suburbs and have no idea what stuff costs. Thanks for any insight you all might have.

Hi guys, I am a foreigner who arrived to the US last year due to work. I had auto insurance for 4-5 months and wanted to change and see if I could get something cheaper. In March I finally found one who could half my monthly insurance cost which we settled the same day. The broker confirmed all details that I am a foreigner, with an international license, 7 years driving experience OUTSIDE the US. 2 weeks ago, Progressive sends me an e-mail that a automatic payment will be made in April of $1107. I had no clue what this was, as the broker told me the cost would be $106 monthly. I immediately call Progressive and they inform med that the broker most likely inserted incorrect information or misunderstood how to fill out their quoting system. They also tell me, that they send me physical mail to my address that the insurance was not eligible and the policy was updated to reflect my correct details. But I am yet to receive this mail, which according to them was sent the day after I approved the quote I was sent. What concerns me a lot… - Why did Progressive not send anything in regards to this change? - only my State ID was given to the broker and as I understand with my prior insurance company, they require my international- and foreign driver’s license to insure me - can they update it without me confirming/agreeing to this change? I have called and mailed the broker which is yet to answer and pending their response. What do you do, in this case? Location: North Carolina

Hi, I recently sent my husband’s wedding band, my engagement ring, and my wedding band in to get polished and resized. Kay jewelers has lost all three rings. The section on the bottom of the receipt reads as follows: “In accepting said merchandise, it is understood that this store, or any of its employees, are not responsible for identification or condition of stones or jewelry at the time of receipt. This store accepts the merchandise listed above solely for the purpose of repair and does not undertake to act as an insurer of this merchandise. I agree with the description and values of the merchandise listed above. IF ANY MERCHANDISE LISTED ABOVE IS LOST OR DAMAGED, I UNDERSTAND THAT I WILL RECEIVE REPLACEMENT MERCHANDISE OF LIKE OR SIMILAR VALUE UP TO AND NOT EXCEEDING THE AMOUNT STATED ABOVE. MERCHANDISE MAY LEAVE PREMISES, CUSTOM DESIGN JEWELRY IS NOT RETURNABLE.” - basically waiving them of any legal obligation. My husband and I have requested a refund for the value of the rings, which they have denied. They have offered to replace the rings, but my husband and I want to be done with Kay. Do I have any power to take them to court to get a refund? Location: Indianapolis

Hi y’all. I recently opted to cover my cat. I’m paying a bit more than I’d like to, but I’m willing to keep the policy if it’s a good investment. My cat has a preexisting condition they won’t cover. That sucks. Online I’m seeing customers were dropped due to aging pets. What are your experiences with this company? Is it ok or should I run in the other direction?

So I hit someone’s car and the damage was very minimal. Just a tiny dent and a scratch. I filed a claim, and the guy I hit said the damage was minimal so he wasn’t going to file one. I called yesterday to cancel and was told by progressive I would get a call today. I get a call and let the lady know I wanted to cancel because of the reason provided. She then gives me attitude over the phone and we hangup the call. What do I do in this situation ?