Alright so... I live in GA and GA power services my home. Recently the neutral wire on GA power side (prior to meter) became heavily degraded and caused half of the house to receive double voltage. I attempted to make a claim with GA power, but I guess they have it written into their contract with the city that they don't cover incidents resulting from "squirrels chewing through the steel wiring." They said to make an insurance claim instead. Does all that sound right? We had a number of items (dishwasher, stove, ceiling fans, computer, etc) fry due to the double voltage. We have an ongoing open claim from Hurricane helene unfortunately as well so trying to determine best recourse. Thanks!

Created a Reddit account to share this year's premium increase on every post or topic re: Healthy Paws. As a loyal customer since 2011, who has been dealing with the already massive price increases every year since 2020/21 but forced to deal with it, I can't anymore and am being forced to cancel. Sharing this for the greater good, and won't even share further details in hope the numbers you see below speaks for itself. Apologies that I cannot seem to post a screenshot. Started around $34 in 2011. These numbers are for 2 small dogs, with the majority of the increase related to the old one). Policy Information • Protected Since: 06/08/2011 • Current Monthly Premium: $431.58 • New Monthly Premium Starting in 63 Days: $1,207.12

Location: Washington State I’m dealing with a housing situation that has gotten increasingly serious, and I could use advice on whether I have a legal case and what my next steps should be. I don’t qualify for free legal aid, but I also can’t afford to hire a lawyer outright. I’ve already spoken with the Tenants Union of Washington State, who suggested I update my complaint with the city’s code enforcement office on Monday because the situation has escalated significantly since I first reported it. They also mentioned I might be entitled to compensation that my landlord isn’t disclosing (either intentionally or not). I’m wondering if I should wait to hear from code enforcement again or if I need to start pursuing legal representation now. My story begins at the start of the new year. On January 6, I submitted a service request because the floor in my entryway was visibly warped and I was having trouble closing my front door. On January 8, maintenance came out, removed the weather stripping from the bottom of the door, and marked the request as complete even though no inspection was done and the root issue wasn’t addressed. At that point, I figured I had at least documented the damage in case they tried to blame me later, but I had no idea how bad things were about to get. On March 26, I submitted another repair request because there was now visible water damage and possible mold along the baseboards next to my front door, along with the floorboards becoming even more warped. In my bathroom, there was a significant colony of black, furry mold that had grown between the wall and a small stepstool I had propped up against it. I had also noticed that there were "blisters" in the paint on the walls in the hallway leading up to my apartment where water had obviously started to pool. Maintenance showed up the next day, told me they would "call someone," and once again closed the ticket without fixing or really even looking at anything. On March 29, I went into the leasing office to speak with someone in person because I felt like the issue was not being addressed properly and I wanted some answers. I explained the problem to the leasing agent and he asked me to send him an email describing the issue (which I did) and that I should open yet another repair request for the issue (which I also did.) On April 1, the maintenance person showed up again. This time, he brought a pipe wrench and literally tried to hammer down the warped floorboards (no joke). Then he sprayed two sprays of mold inhibitor on the wall next to the front door “just in case.” That afternoon, I was told that a water restoration company would be out the next day to inspect the unit. The water restoration company came first thing on April 2, while I was still in bed. They found significant moisture behind the walls and suspected the presence of mold. The property manager came by a few minutes before noon, took photos, and informed me that my apartment was currently uninhabitable. He told me to file a claim with my renter’s insurance for a hotel. I work from home and was in the middle of my work day when he told me that the water restoration company would be arriving shortly to start dismantling my bathroom to start looking for the cause of the leak. I ended up making a claim with my renter's insurance (even though I believe property management is responsible for the cost of temporary housing) but without a statement of cause, my insurance wouldn't help me find a place to stay so I had to make arrangements on my own for myself and my dog. I'm currently staying in a hotel down the street from my apartment building that is being charged to my credit card. On April 3, the leasing manager called me to inform me that my apartment is unlivable and they have no timeline for repairs, so I have the option to either break my lease with no penalty or move into another unit (with them paying the moving costs). I asked him to send the offer via email because I needed a written record of the offer before I would even consider anything. He sent me an email the next day (April 4) briefly outlining my two options: either I transfer to another one-bedroom unit in the building at my current rental rate, or I break my lease with no penalties. That’s it. He didn't even include the offer to cover moving expenses to the new unit. I'm stuck in a frustrating situation with no real solutions. My renter's insurance isn’t covering my hotel costs because they won’t pay without a statement of cause, which I still don’t have. Even if they do cover it, I’ll still be out $250 because of my deductible. I expect the property management company to take responsibility for that since the damage was caused by their neglect. The options they’ve offered don’t even begin to address the full scope of the inconvenience and stress I’m dealing with. There’s no mention of covering the moving costs, or even offering rent relief for the time I’ve been displaced. Neither of these options account for the impact this situation has had on me and my dog. What should I be doing next? I’ve already filed a complaint with the city’s code enforcement office and plan to follow up on Monday, but I’m not sure if I should be waiting for them or moving ahead with other options, including legal advice. I know I can’t afford to hire a lawyer outright, but I also feel like I’m being jerked around by the property management company and my renter's insurance. Any advice on what steps I should take next?

Hello. I have mapfre insurance. I had a minor accident 2 weeks ago and submitted a claim on March 27th. They had me take pics of the damage(front bumper damage) I got my estimate from their electronic appraisal. I dropped off the car at an in network shop on Sunday, March 31st. That Monday the shop submitted a supplemental appraisal to have someone to check the car to approve more funds to get the car fixed from insurance. Since then there has not been an appraiser to come check my car at the shop. It’s been a week and it’s beginning to get frustrating. I was told many different stories on when an appraiser will come up until on Thursday an appraiser told me there was an issue in their system that prevented them from assigning an appraiser. I was told this past Friday that one has been assigned and will call the shop to schedule an appointment. The damage is minimal and the shop can fix the car in 2 days but can’t proceed without insurance. What are my options to make sure they have someone come on Monday? I’ve been without a car for a week and it’s been difficult to get around. Would love some advice on this issue!

my car was stolen 2 weeks ago and the insurance company is considering it a total loss. this is fine, but they are offering me 13500 for my 2019 subaru 2.i0 premium sedan with roughly 91000 miles. it had 3 month old tires and a new battery. the issue im running in to is there are 0 of this car available within 150 miles of me with similar milleage. but when i look nationally it is showing they are shorting me about 2000, which would pay off my loan. im afraid getting an adjuster involved will cost me too much and not be worth it. any advice for fighting their appraisal? they couldnt do a fully accurate appraisal because they dont have the car. i asked to see their comparables, because if theres nothing local what are they comparing it to?

Location: Michigan - Just wondering if this is an appropriate thing for small claims and wanted to hear some opinions as I've never sued anyone before or have been involved in small claims. I was in a car accident on March 11. I was not the driver at fault. The other driver involved in the accident was cited for failure to stop (she rear-ended me at a stop light), no driver's license, and for not wearing a seat belt. Her insurance was listed on the police crash report as LA Insurance. Come to find out, she did not have that car insured at the time of the accident. I called LA insurance, and several other companies under that franchise, and found her name and policy, but she had a different vehicle insured and not the one involved in the accident. My insurance company reached out to her, didn't receive a response, and ran the VIN on the vehicle she hit me with, verified that the car was in her name, but did not find an insurance policy attached to the vehicle. I told the police department this and they will be updating the police crash report. Subsequently, I can't file a claim with her insurance because she doesn't have any. I have been encouraged to sue her in small claims court. My car was basically totaled in that accident (it was also an older used vehicle with 197,000+ miles on it), so I leased a new vehicle. Can I ask to receive at least the down payment I put down on that new vehicle? I'm also going to ask for storage fees of having my car at a repair shop as well as the fees to file with small claims. I did have items stolen from my vehicle while it was at that repair shop, but I don't have a dollar amount for them so I don't think it would be appropriate to put those in the small claims case. But I'm really just wondering if asking for the amount I paid as a down payment on a new vehicle would be appropriate. Like I said, I have never done this before. Advice is greatly appreciated!

I bought a 2014 Chevy Silverado and I wrecked around the 1st of march I have full insurance coverage and my insurance has totaled my truck. I have had a couple of mechanic friends look at it. They are telling me that it only did a couple thousand dollars of damage. Yet the collision repair center said that it did a $9000 of damage. I told the insurance that I want to buy it back. But the insurance company is telling me that I have to pay $3700 out of pocket before they will let the truck go. I had full coverage insurance and I thought that they were supposed to pay it off first. Doesn’t the insurance company have to pay it off then send me the rest? Also I put a massive audio system in the truck. $300 alone in wire. They said that I need to put a factory radio In it before the take it back. Isn’t that a load of bs? Location: Claremore Oklahoma

I hope I'm in the right sub for this but I'm not sure, if there is a better place for this post please let me know. So I got into an accident that I was at fault, I do not have collision coverage, and I still owe about $19,000 on the vehicle. I asked my insurance and without coverage there is nothing they can do. It is not drivable and the air bags deployed. There is heavy front end damage but the rest of the vehicle is fine. I've only taken it to one shop for an estimate because I don't want to keep paying for a tow to get different quotes and they all end up being close to the same amount anyway. The estimate I got was $20,000 to fix it, so I'm not going to be able to afford that, and even if I could I don't see how that would be worth it. The car before the accident was probably worth $20,000 - $25,000 at most. (2022 KIA K5 GT LINE). I have pictures of the vehicle as well but wasn't sure if I was allowed to include those in the post. So as far as I see it, it's going to just sit somewhere until I pay off what I owe. So instead of paying a storage fee to keep it somewhere (my apartment doesn't allow vehicles that aren't drivable to stay in the parking lot), I want to either sell it or scrap it. Whatever I decide to do with it, I want the next tow to be the last. If I can make a little bit of money on it, great, if not then like I said if I can at least avoid a storage fee or paying to tow it several times that's a win for me. Anything I do make would go straight towards paying it off anyway. I'm already pretty screwed, paying on a car that I can't drive so I'm trying to see my options and cut my losses. I've gotten suggestions to declare bankruptcy, sell it, scrap it, keep it, sell all the parts individually, sell it as a whole for parts. A lot of the issue is, I don't think I can sell it, even to a salvage yard, without paying it off first, so what do I do with it until then? That's going to take a long time for me. I can't afford to fix it, can't sell it, scrap it etc. What do I do? And I understand I'm not going to make money on this, I understand I'm screwed either way, I understand that I will not financially recover from this for quite some time. So I'm just asking what is my best course of action to cut my losses as much as possible? Is there a way to sell it before paying it off? Do I need to let the lender know about the accident? Is there a different way insurance can help even though they said they can't? Is there a service or organization that helps with this sort of thing? Should I declare bankruptcy?

Hi all — I’m following up on a post I made over a year ago regarding a dispute with my former neighbor in an HOA community: [Original Post](https://www.reddit.com/r/legaladvice/comments/17kskaq/neighbor_wants_us_to_remove_trees_trench_and/) At the time, the neighbor was demanding that I remove trees and trench my property due to alleged view obstruction and root intrusion. I consulted with an attorney back then who told me to wait and see if the neighbor actually filed a lawsuit, as the demands seemed like a scare tactic. Their advice was to assume he might just be bluffing unless I was formally served. **Fast forward:** I sold the property and moved out of the HOA community. A few weeks **after the sale was finalized**, I was served with a lawsuit from the same neighbor. The lawsuit includes eight causes of action, mostly related to HOA CC&R violations, nuisance, and alleged property damage from tree roots. **The plaintiff is still a member of the HOA. I am not.** I no longer owned the property and was not a member of the HOA when the lawsuit was filed. **My homeowner’s insurance is providing a defense attorney that will be defending me wholly but will only financially cover the property damage claims.** They will not cover any claims related to HOA CC&R violations, "loss of enjoyment," nuisance, or attorneys’ fees. The claims adjuster also told me that I could be responsible for the plaintiff’s full attorneys’ fees if he prevails on **any portion** of the case, even a minor claim. They are pointing to this clause in the HOA CC&Rs: *(i) Attorneys Fees.* *Any judgment rendered in any action or proceeding pursuant to this Declaration shall include a sum for attorneys’ fees in such amount as the court or arbitrator, as applicable, may deem reasonable, in favor of the prevailing party...* # 🔹 What I’m really trying to understand: Does the HOA’s CC&Rs and this attorneys’ fee provision still apply to me, even though: * I was **not a member of the HOA** at the time the lawsuit was filed. * I had already **sold the home** and was no longer bound by the CC&Rs. * **The HOA did not have any open or pending violations against me at the time of the sale.** * The claims are mostly based on alleged violations while I lived there. Is it common or even legally valid for CC&R provisions to be enforced against a **former homeowner**, when the lawsuit was filed after the sale? **Has anyone dealt with a similar situation?** Any legal insight, personal experience, or thoughts would be really appreciated. I’m trying to gauge how much personal exposure I truly have beyond what my insurance is covering. *(I understand this is not formal legal advice, just looking for shared experiences and general guidance.)* Location: California

My daughter is 28 yo. She just bought a 2023 Subaru cross Trek. She was on our auto insurance since she started driving, although she moved about 5 years ago. When she bought the car the insurance company called and told her she had to get her own policy. We have mercury insurance. They gave her a quote for about $4000 per year. She has had a couple accidents. Wondering if anyone can give a few companies that are cheaper. She has been teaching for 5 years, so, educator discount? She lives in 90031 zip. Thank you.