My basement flooded this week with 5 inches of water. We have had a lot of rain. The sump pump appears to have given out and the backup sump pump didn't kick on. This has not fully been confirmed as the reason for the water because when the plumbers arrived the pit was only 2/3 full and water wasn't flowing out. BUT we have not been able to identify another cause or factor for the flood. The plumber mentioned that it could be due to malfunctioning drain tiles. We had an inspection and it was confirmed our house does not have drain tiles. We have insurance through All State and our policy states the following is **not included.** > Water or any other substance overflows from a sump pump, sump pump well or other system designed for the removal of subsurface water which is drained from a foundation area of a structure. I don't think there is much room for negotiating coverage with All State, but posting here because I am **desperate**. Does anyone have advice on what I can look into or how to try get this covered? The assessor is scheduled to come in 2 days and trying to get a case out together. TY!

I've had Nationwide Pet Insurance for the past four years and up until recently they have been great. Recently my dog had a bladder infection and they paid out for that with no problem. We were told she needed to be seen again in two weeks for a follow up urinalysis and culture. However last week she started having difficulty urinating, called the vet and they wanted her to go back on the antibiotic for another week. I submitted another claim for the antibiotic and Nationwide only issued a quarter of the amount. I called them and they said we hit the annual limit they will pay out for a bladder infection, anything else they'll still pay, but this they won't until the policy renews next year. This was the first I was learning this, likely because we've never had the same issue go over the limit. As mentioned the vet wanted a follow up urinalysis and culture to be sure it was cleared up and they won't pay it. UTIs tend to be common in female dogs, so it seems absurd. We had the follow up yesterday and upon talking to the doctor, they used to recommend Nationwide frequently to pet parents, but not anymore and also said Nationwide has been dropping a lot of pet insurance customers lately and that it's seeming like they are trying to get out of pet insurance. They gave me some brochures for several different options they recommend and from what I'm finding Nationwide is the only one that caps limits on diagnoses. So I'm looking at changing providers and wanted to see what others recommend. I'm considering the following: \-ASPCA pet insurance (through my auto/renter insurer) \-Figo (through Costco) \-MetLife \-Lemonade \-Pumpkin \-Embrace My auto/renters insurance company does offer plans with ASPCA pet insurance and I believe Spot. I talked with them for some time the other day and I'm leaning towards going with them. They also offer a 10% discount because of my insurance. As for MetLife, my vision plan is with them and they've been amazing, but don't know if that necessarily means their pet plans will be as good. Also Costco is offering 15% off for members for Figo. Fetch was recommended by the vet, but their prices were outrageous. I also had Pet's Best the first year of my dog's life prior to Nationwide and was not impressed by them. If there's any I missed you recommend please let me know. Thank you in advance!

We were rear ended by an uninsured driver. Had to file with our provider which is USAA. Today we got the repair estimate and the car is being deemed a total loss. All it needs is a new rear bumper and an exhaust. Repairs after our deductible are $700ish. Looks like the payment to us is $280. We're freaking out a bit. His car is older. It's a 2010 Foed Escape with 150k miles. We knew it wouldn't be worth much but $280? After searching around in our area, they are going for around $3k. Is there anyway for us to keep it and fix it ourselves? My husband is a mechanic and can get all this fixed for less than $700 easily is there anyway to do this without getting a salvaged title? If not, what are our options with insurance coverage moving forward? We cannot afford to buy another car right now.

I unenrolled from snapshot because it was tracking a majority of instances where I wasn’t the driver. Do you think they will increase my insurance based on the data they have already? It’s only 14 days worth.

My health insurance company won’t use the word “covered.” They only use the word “consider,” even when the category is “benefits and coverage.” One of their agents told me they can’t use the word “cover.” For example, in a recent communication they said, "Home health care must be approved in advance, (pre-authorization), and is limited to 90 visits per plan year. Once approved, services provided by an In-Network PPO provider will be considered at 100 percent of the allowable charge with no co-pay. “ This statement doesn’t make any sense. They said it has been “approved.” What is left to “consider?”

Hello! I was using robinhood app for crypto and everything was nice and smooth and I did not have any problems with transferring money from my account. I was living happily with the information that I can withdraw only money to the same account I was transferring it from. And there is the problem, I wanted to withdraw money to my account and after 2 months it's still not on my account. I'm dealing with their support for those 2 months, I wanted to see full confirmation of the transaction, with the full IBAN number and they can't provide it "for security reasons". Also I have a suspicion the bank account linked to my account was wrong, but I didn't double check it before trying to withdraw the cash.  I have every single proof for every transaction coming from my account, it's exactly the same as seen on the app, I have proof there is yet nothing on my bank account. And I'm just out of ideas on how to make them solve things.  Is there anything I can do to make them handle this fastly or at least to make them send me the confirmation? Thank you, every single help will be appreciated!

State Farm is discontinuing the policy for my 3-unit multifamily rental property. My umbrella policy is also with State Farm. My agent told me umbrella will cover the rental property if a new policy I find is A-rated (i.e. by AM best, JD power, etc) and underlying liability limit of $500k is purchased. Is it really true that the new policy for my rental property must be an A-rated insurer? What if it is less than an A-rating or not even rated at all? Insurance is insurance, isn't it? It is becoming extremely difficult to find a good, quality top-rated insurer that will write a new policy for rental property (building) that is 70 years old.

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?

I wanted to share my experience, as reading other people’s stories on reddit is what made me go with this company and i’m so glad I did. I’d heard lots of good reviews, and my partner had no issues with reimbursement with PetsPlusUs so I decided to try them out for my dog and cat. After my cat had surgery to remove an obstruction, they paid me back the exact amount I expected to be reimbursed, and it was very straightforward! I even forgot to update my address for my insurance so it didn’t match the bill, and it was fine (I think partially because I only moved 5 minutes away so my premiums weren’t affected). The only slight annoyance was I needed to give them ALL vet records, and they wouldn’t process my claim until I did (so please keep all your pet records safely in one place), but I suspect the same would be true for all pet insurance companies. My cat is about 1.5 years old, and her insurance is $35 a month and they repaid $2,100, so it’s been absolutely worth the money. While at the ER, a dog came in that was hit by a car and trupanion wouldn’t cover a penny. I overheard the staff talking about how terrible trupanion is for repayment (and its way more expensive than pets plus us).

Back in August 2024, I rear-ended a 2024 Nissan Rogue, which then bumped into a Toyota RAV4. The damage seemed pretty minor at the time—both cars were able to drive away from the scene without any issues. I had $20k in property damage liability. Today, I got a call from Geico saying that the initial repair estimate for the Rogue was $3k, and they already paid out $3k for the RAV4. But now, months later, they say a new assessment came in after further inspection and the Rogue’s repair cost estimate is actually $14k. They also mentioned they covered rental costs for the Rogue. It’s been 7 months, and I’m just confused—why the huge jump in the estimate and such a long delay? Is this normal? Feels a bit suspicious to me. Geico also havenot told how much i have to pay out of pocket. They said they called me just to let me know. I am stressed and worried. What should I do?