A few weeks ago, my driveway suddenly collapsed. After some initial inspection, it was determined that the cause was a failed 96” storm drainage pipe running underneath the driveway. This pipe is in an easement, common area, which means it’s the HOA’s responsibility—not mine as the homeowner. The CC&R’s clearly state that the Association is responsible for the maintenance, inspection, and repairs of the retention basin. It’s been 6 weeks since the incident and since then, I’ve been trying to get the HOA to take action. They had a contractor and inspector out, and they’ve submitted a claim to their insurance company. However, progress has been really slow. I haven’t received clear answers or timelines, and the damage continues slowly worsen by the day. To make things more complicated, I’m currently part of a construction defect lawsuit—along with other homeowners—against the original builder. The HOA and the law firm plan to include this drainage pipe failure in the existing lawsuit, since their initial review suggests it was likely caused by “defective construction”. The law firm says they’re now waiting for a temporary repair recommendation from a geotech engineer expert. Once they have it, they’ll send it to the HOA board for review and approval (or denial of the repair). In the meantime, I got a message from the HOA’s insurance company saying coverage is still under review, but that I have a “duty to mitigate damages and should contact MY property damage insurance (WHAT?!?!). That’s confusing and frustrating, since the drainage system that failed is owned and maintained by the HOA—not me. I’m doing my best to stay on top of everything and keep communication professional, but it’s exhausting, and the lack of urgency from all sides is really frustrating. Would love to hear your thoughts—am I being unreasonable here? What else should I consider? Location: ca

We purchased (with a mortgage) our house April 2023 in WV. Sorting and opening mail today. I opened an envelope from Erie Insurance assuming it was my renewal paperwork. No it's a policy continuation notice for a tenant policy held in someone's name I'm not affiliated with in anyway (it is addressed to them but did not realize as I just opened without looking assuming it was my policy info). 20k personal property coverage with a monthly premium of $245. We're new to the area, having moved here from TN and have kept to ourselves. Small town with a population of barely 2k. So I 💯 do not know the person or have ever spoken to them. The kicker? When I look this person up he's a cop for my county. And the agent that wrote this policy is 5 blocks from my house off the main road thru town. WTF do I do here? I'm concerned that this is a policy held by a local younger cop near me. A LONG time ago this was a multi unit home, but the previous owner we purchased from owned for 10 years as a single family home so it's not likely it's a policy that has just been continually carried over (why I mentioned they're younger) for the last 10+ years.

My hip was broken in 3 spots after a pedestrian vs vehicle accident. I'm working with an attorney who has been talking with Progressive (the driver's insurance). They asked for information regarding my employment to verify wages. I have two jobs. 1 WFH, the other is more physical. I was able to return to the WFH job quickly thanks to a lot of pain meds. Anyway, my employer filled out the paperwork they needed, I sent it to my attorney who passed it over to Progressive. They still called my WFH job, needing to speak with my employer. Why? What more do they need to verify? Is this normal?

What kind of company does this where they don’t accept my debit or credit card for monthly premiums. They will do checks, but still.

I knew this was coming from seeing it happen to others but I got my policy renewal notice and our annual cost went from $347 to $505. I know this is far from the worst increase but it is still annoying. He hasn’t had a claim since 2023 and is only 4 years old. Is there anything I can do or say to them that might get this lowered a bit? I worry what his premium will look like a few years from now if they continue with increases at this level. I also am bringing home a puppy next month and have been going back and forth about insuring them through PetsBest or trying something new like AKC or Trupanion. Any thoughts on that?

Got into a crash in the state of FL, parked in a parking spot and had to realign myself to be straight. The parking spots are aligned at a 45 degree angle. I reversed just enough that my rear wheels were visible, there was no vehicle next to me parked that could’ve potentially been blocking the vision of my vehicle, I was in the travel lane and as I was about to shift into drive, a vehicle driving westbound hit me in my rear-end and spun me around facing the opposite direction of travel, the whole back end of my vehicle is smashed in and not drive-able. It’s a 15mph travel zone and safe to say nobody drives 15mph through this spot. The damage of my vehicle definitely looks like more like 25-30mph. Cops talked to me and other driver but in the written statement wrote that I was reversing and then got hit which wasn’t true. Also said that it’s a no-fault state and so she could’ve written me a ticket. I’ve only had the car for barely a month and paid $3k for it, I have progressive insurance at the state-minimum required. After the crash my back and shoulder hurt. I just want to know what can I do, any help is really appreciated because I need a new car as soon as possible. Location: Florida

I paid my premium online on Aug 5, and they took the money. I have a receipt. I received a cancellation notice today saying I didn’t pay the premium. I looked and my insurance expired at 11:59 PM on Aug 4. Has anyone had a similar experience? Any guidance is welcome?

Help me understand this one. My wife was injured by my neighbor's dog, knocking her down and tearing her ACL (it wasn't aggressive, just large and friendly, freak accident.) Surgery was very expensive, went through my employer based insurance, no big deal. We start getting letters from Conduent, asking if someone else was responsible. Yes, neighbors dog and property. Gave them the insurance info, we all expected some subrogation of claim and I'd prepped my neighbors for that. Then I get another letter asking about what legal representation we retained in a suit against them. I called them and told them we haven't sued them. That we have a good relationship either our neighbors, it was a freak accident, and we aren't litigious. The woman sounded extremely skeptical and said something to the effect of "let's see how you feel about your neighbors in a few months. I'll check back in 6 months." It was the tone that really bothered me, sort of like "oh you just wait and see, you will!" Like something is coming down the pike that's really going to ruin my day and make me want to sue my neighbors. Can someone walk me through this one? Insurers work together in auto accidents without requiring litigation, I figured it would be the same thing here.

Location: Michigan At a loss here. Just received a statement from my health care provider that BCBS denied my iron infusion from January and that I owe $11,000. I had iron deficient anemia during my pregnancy and iron pills didn’t do anything to raise my levels so my doctor ordered iron infusions. I didn’t think anything of it as during my first pregnancy in 2023, I also had iron deficient anemia and my iron infusions were covered by my insurance but it was through a different health care provider. BCBS is claiming that the treatment I received for iron deficient anemia isn’t covered. The procedure was coded as q0138. Do I appeal? Do I call my health care provider and see if they coded this wrong? Owing $11k for something that’s been covered before is stressing me out. I never would have agreed to iron infusions if I had known it would be denied. I cannot afford an $11k bill…

Hi! I’ll get right into it- I adopted my dog in 2021 at age 3 and got her pet insurance immediately at around $20 per month initially. The price has gone up as she aged and is around $55 per month now (she is 6 almost 7). I moved in the last few months ~10 miles away from my old apartment but still go to my same vet and have not had any significant changes otherwise. I called the pet insurance to change my address and they quoted me $139 for the same coverage I have just because I moved. Since I have been with the pet insurance a while, I feel like they just redid my quote as though I was a new customer and that’s why it’s so expensive. For nearly triple the price I’m not willing to keep the insurance but wondering if I have any rights here or this could be escalated further? I really like my pet insurance but feel that this is outrageous especially since I have not moved that far and still go to the same vet so I don’t see how it would make that much of a difference to them. More details- I have MetLife pet insurance. I live in Saint Petersburg, FL (moved from downtown to north st Pete and my zip code changed). I also moved from an apartment to a townhouse. Thanks in advance! Edit to add: no preexisting conditions except allergies (she gets a shot every 3-4 months) and nothing new that would have contributed to the price change.