Recently my father passed away. I’m his only child and there was no will, however, I moved out a few years ago and my mom lived there with him even though they’re divorced. I never probated the house or got it put in my name so I’m sure that will be an issue later if I did want to file a claim through State Farm later on. What I need to know is if I should file a claim or fix it out of pocket? My mom has let the house go in a pretty terrible way. Before my dad passed it wasn’t great. The floor was bubbled up in some places and sunken in others. When the upstairs toilet overflowed the chandelier fell off the ceiling in the kitchen. He filed a claim through State Farm once in 20 years to get new carpet but it did not fix the underlying problem. Now there’s holes in the ceiling, in the floor, in the walls. And there’s rats. You sit on the couch and you can hear them scratching in the walls and running through the house. The back deck has unattached itself from the house and is falling apart. I feel so bad for my mom and I don’t even know what the problem is much less how to begin to fix it or who to call. Please please any kind of advice would help. Edit: I think that the holes and the problems with the floor being sunken and swollen are from some kind of leak?? Maybe under the house but I’m not sure. I know insurance won’t get rid of rats or anything like that. I just wanted to know if the other stuff was able to be claimed had it been a result of something else like a leak.

I've had this insurance for my great dane as soon as I adopted him at 1 yr 4 months. And it has suddenly quadrupled. I paid around $1k a year, unlimited, 80% reimbursement, and it was worth it due to random illnesses and injuries. When he hit 7 they doubled it to $2k a year (this year). We just moved from IN to CO and I got hit with an additional bill since now the premium is over $4k a year. Like what the hell is this?

Day before I turned 31 this year I got into my first fender bender, I hit their rear end told at fault. Not fighting that, the problem is insurance saw the problems with my car and told me its repairable. Both my fuse boxes were obviously damaged and they didn't write them down, I wait 2 weeks to hear back and I am suddenly told Honda doesn't sell the fuse boxes separate and because of how its placed repairs and labor will exceed the car value. Not to mention I'm only half done paying it off, insurance said they can't retract or adapt their claim because it would be fraud.... I took pictures of my car post accident and you could see those boxes were damaged. Insurance initially payed me, but even though I gave the money to the garage.. now that its totaled insurance gets their money back and everything is now 100% out of my pocket. In addition to calling Total loss tomorrow is there anything I can do? I only had my car for 2 years and unfortunately leased at the end of the sky high c

Hey everyone! I currently have metlife for my one dog and want to add my newly adopted dog. They tried selling me on their preventative but I feel like when I get a new quote on their site the information is different than what was being pushed to me over the phone. These are the pictures I have. She said that all my dogs flea and tick would be covered for the year after my deductible but if I'm reading this correctly I would only get a payout of $75 for the year. Is that correct? That doesn't seem worth it at all. Also, She was actually so pushy I'm also considering switching insurances completely.. I've looked into AKC, Spot, and embrace but I need one that covers potential foreign object ingestion and AKC only has once in a lifetime which to me is crazy. My pup picks up stuff on a walk, chews on sticks, etc I'm almost about to put a muzzle to be safe. Thankfully nothing bad so far, but after my aunts experience of her dog swallowing an Avocado pit I want to make sure I have one that covers this just in case.

Do they not regulate, or loosely regulate, pet insurance premiums in Pennsylvania? I started a string on a cat Facebook group asking people to note their cats age, healthypaws premium, and city/state. To my surprise, someone with a cat in NYC at a similar age was paying way less than me. For reference, my cat just turned 19 and my ~60 day notice says my premium is going up from ~$380/month to ~$650/month. I don't think I have the option to switch insurance providers since my cat has a lot of health issues we are managing. Most plans do not cover pre-existing conditions. Can people post their healthypaws premiums below if they own a cat, inclusive of the age of your cat, city and state? For those who live in Pennsylvania, are you also seeing crazy increases? If there is a pattern of Pennsylvania being the outlier here, I can draft a letter to the Department of Insurance and the Attorney General. Note: My premiums for my cat when she was about 17 and in Phoenix, Arizona, were ~$150/month.

Not really sure the best place to post this question. My health insurance fully covers labwork, which I confirmed with them prior to getting an MMR immunity test earlier this month. As in they couldn't find anything in my coverage about specific tests because I have 100% coverage. So day of my appointment imagine my surprise when the phlebotomist at my doctors office says I owe $40 to quest for the lab work(in addition to my $25 copay that I paid at the front desk). I thought it was weird, but figured I'd get a refund when I got my EOB. So I hand over my debit card, she enters the info on her computer, draws my blood, and then I go on my way. Today I get the EOB for that visit and it says, as expected, I shouldn't have paid anything for that visit. So I check both my bank accounts only to find there is no $40 charge for Quest anywhere. And then I remember the same thing happened in January with Labcorp. I went to a physical Labcorp location for bloodwork ordered by my dermatologist, they said I owed some amount upfront, I handed over my card, then when I got my EOB it said I owed nothing, but when I checked my bank statements there wasn't a charge from Labcorp at all. Nothing the day of, and nothing on subsequent days for a refund. What is happening? Are they somehow able to void the charge so that it completely disappears from my bank statements when it turns out my insurance fully covered it? In the future I'm going to be getting screenshots of any posted charges(and asking for a receipt), just to prove I'm not losing my mind. If they didn't charge my card on the day of my appointment, would they have charged it later upon learning I did owe something. Can they even legally charge my card at a later date, or would they have to send me a bill in that situation? With the Labcorp charge I thought maybe I'd misremembered paying because I've been getting lab work there for years and never even had to stop at the front desk. My insurance at work did change from UHC to BCBS this year, but our coverage stayed the same. But I know for sure I handed over my debit card to the phlebotomist at my doctors office and watched her enter the card information on her computer. Though I don't remember if I got a notification of the charge on my banking app. Do I still have to keep giving them my card if I know my insurance fully covers lab work but for some reason they are lying and saying I owe money upfront and then the charges are vanishing?

I love my dog but I cannot afford to pay $1600 a year for something I've hardly needed so far (since it only covers emergencies and not routine stuff). I do wanna insure him, but $135 for a healthy 7yo dog is beyond insane. Is there _anyone_ out there that won't completely hose me on premiums?

Amy guidance is appreciated. I was driving down a street when a car t-boned me, I spun around in oncoming traffic. I was able to move my car safely. The driver who hit me walks up and says it is his fault. I get my phone out and start recording, I asked him to say it again, he asked if I was recording, I said yes. He said that was fine but when I asked him to repeat what he said, he said it to let the insurance company handle it and laughed. I get taken the to ER just to be safe and I was released shortly. I was given a 2 day work off work note. I immediately reported it to my insurance company. They said they will reimburse me for my medical. The other driver admitted to his insurance that it was his fault so my insurance waived my deductible and will pay for my rental car for 30 days but my insurance will not pay for my lost wages. 2 days later I go to urgent care because now I'm feeling it and I get another doctors note to take me off work for a few more days. I'm very nervous to drive. Now, the other insurance company seems very eager to pay my lost wages, any physical therapy, all my medical, etc. I'm just skeptical they seem so willing to pay. What information should I give them access to and what should I not? What if they have me sign something, what should I look for or make sure I am not being hustled? Any guidance is appreciated. I'm new to this.

Just like it sounds. I was involved in an accident a month ago. Other person was declared fault. My insurance is handling it well. Unfort, every time the at fault persons insurance calls me and leaves a message, it’s a different adjustor? I’m curious to why that is. I only have 2 from my own insurance calling me, the regular adjustor and the person above him just in case we have more questions or he can’t answer a question himself. I just think it’s wierd that the other insurance company has tons of adjusters and it is annoying. Don’t know how they don’t miscommunication with one another. I honestly tell the other place to talk with my adjustor.

I have medi-cal through anthem blue cross in association with LA care health plan. I have never had Medicare part B. I had a ultrasound in october 2024 which was approved by my primary care provider. I just got a letter today from the centers for medicare and Medicaid services, fargo ND. It is saying that the ultrasound was not approved and i may be billed 220$ It also says i have not met my part B deductible of 240$ Again, i don't have medicare part B. Im not experienced with these insurance issues. I dont know if medi-cal already paid this or not, it's been almost 6 months. Is this medicare preparing to bill me for services already paid by medi-cal ? Thank you, input appreciated.