Hi all. I'm confused and a little suspicious. Long story short, had a tree fall and cause damage last year. Work is done, and the invoice came to roughly $65k (Siding + roof for garage and house). Insurance gave me roughly $62k, however I opted for a higher quality siding than the basic, so $3k was coming out of my pocket. That invoice is paid in full. For the main structure (house): RCV is 49k ACV is 42k So there's about 7k Dwelling Recoverable Depreciation that is available. However, my insurance rep is making that 7k as a payment to a sub-contractor that I've never heard of and in the email stated that the 7k is going to my contractor. Why are they getting 7k more when I've already paid the invoice? I'll push back on the payment but I want to go in with facts but I can't seem to wrap my head around it. I've asked the question to my insurance rep 4 days ago but she hasn't responded. Can anyone ELI5 what exactly is going on or am I getting bamboozled? Thanks!

Hi, I’m looking for help on disputing information on my CLUE report. Back in March 2024, in Arizona, US, I was involved in a accident which was deemed to be the other driver’s fault. The payout went out from their policy. We were both insured with Progressive at the time. When I first called to report the accident, Progressive opened a claim on my policy, I wasn’t aware it was on my policy at the time, however, I made it clear to them that the other person agreed to having been at fault and gave me their insurance details. When the adjuster first contacted me, they spotted this mistake and closed the claim on my policy with 0 payout and opened a claim on the other party’s insurance, which ended up in a payout of $1400 to me. While shopping for insurance last week, I saw that progressive is listing the above accident as a non-chargeable at fault accident with 0 payout. To get this corrected as a no-fault accident on my LexisNexis CLUE report, I will need to raise a dispute, howe

I’m moving to a new state and currently have renters’ insurance with State Farm. I filed a claim for a theft in my building a couple of months ago, where a large amount of my personal items were stolen from what was supposed to be a secure mailroom. Last Friday, I contacted a State Farm agent in my new state to set up a policy for my next apartment. After taking the weekend to get back to me, she said she had spoken with the underwriting department and they couldn’t write me a policy because of that claim. She specifically said I couldn’t have an active claim in the last **24–36 months**. That doesn’t make sense to me. Why would the rule be a range instead of a clear cutoff? Is this standard insurance practice, and I’m just unfamiliar with it, or did she give me incorrect info? The vague timeline feels odd, and I’m wondering if she was just making it up or if she has the information wrong. I ended up going with a different insurance company anyway, but just wondering if she was BSing

I have a renters insurance claim due to a total loss from roof collapse and flooding during a storm. I sent in the inventory list (replacement cost policy) and there is about 10K in depreciation. My problem is I had $4k + (remaining after 2 weeks in a hotel and food) with loss of use but my adjuster gave me two weeks to move into a shoebox compared to a huge townhouse I had. I can’t even buy the vast amount of things I lost due to the sheer size of where I live with no storage (I have one closet compared to a whole finished basement and utility room). The list they sent with the check for actual cost is in my hands. The list is printed and huge (mine was a spreadsheet). I’m not happy. Quite frankly if I was given more time to use my loss of use (we did 2 weeks in a hotel for a permanent move) then I may have a larger place. I want my money back (replacement cost) and almost wish I negotiated a settlement. I’m not sure if that’s still possible but what’s the best route here since

My auto insurance policy with Progressive was ceded to the North Carolina Reinsurance Facility. I have a clean driving record, no accidents, no tickets, no nothing in the 15 years I've been driving, but they told me that ALL of their policies in North Carolina were ceded after Hurricane Helene -- even though I don't live in Western NC. I've always carried coverage well above the minimum but my coverages are of course going to decrease significantly and my premium has gone up by a lot, as well. I'd like to switch companies, but I'm wondering if this has happened with policies across the board in NC regardless of company and that now that I've had a policy ceded, anywhere I switch will automatically do that, as well. Can anyone clarify how this works? Any other NC drivers run into this with other companies since Hurricane Helene? I really hope I'm not out of luck and can no longer get coverage above the minimum anywhere. I'm happy to switch companies if needed, but I also bundle with

I’m looking for auto insurance but I keep getting ridiculous monthly quotes from $700 to $900. I’m a 2nd year college student, 20 years old had my license since I was 18, no accidents. I don’t have any car under my name, but i would be trying to get an old mercedes insured which is considered a “sports” car (family car they don’t use) for some reason. I am currently living with my parents, last time i called, progressive started charging my parents for me to NOT drive, to be an excluded driver. Which was crazy to me. I had to call and tell them I moved address. I tried getting a quote using a fake address saying I live with a friend but they started naming people in said address and asking for their DOBs (which i also read was fraudish?). I really don’t know what to do, i need to commute to school full time, but money is tight with classes, any advice ? Thanks !

I have State Farm and pay about $750 monthly for my several cars and teenager. Every carrier I quoted with (the major ones that everyone knows) All wanted $1,100 or more per month for exact same coverage. These people are crazy!!! The $750 I think is already too high. 3 cars, 1 truck, 2 adults and a teen. No accidents, tickets, or claims for anyone, ever. Going to try a local broker tomorrow. Maybe they can help. Are other people seeing the same crazy differences when getting a quote? Any good experiences using a broker and anything I should watch out for? Never used an independent broker.

We've had several years with Amica, they've been great. However the new rate even with a 1.5k deductible is a lot. If you've got a good non-first tier insurer that we can trust, I'd like a recommendation.

TN/ Progressive So i damaged my car a few weeks ago. My insurance sent my car to a body shop. Body shop had stated needing to disassemble the car but like also needing to wait for a mechanic to do so because if something was wrong the mechanic would need to fix it. Issue is they don’t have an in house mechanic and parts needed to be ordered. The mechanic didn’t come in after parts arrived until a day or two later. Now as they are fixing it, they need other parts ordered. This is quoted to take a whole extra week after 2 weeks with my car only being actually worked on a few days ago. A friend said I should express more frustration and should get some sort of compensation. I’m not sure what kind to expect or from who. I feel like my insurance should have sent my vehicle to a place that would have properly fixed it at the quoted time which was a reasonable time frame. But now it’s quieted for a week later and interfering with tracking I have. Can I get my insurance to pay for a rental e