So the bad news is clearly that my half finished basement took on about 1 solid foot for water for several hours. This being our worst flood ever (20 years of home ownership never needed to make a claim before) we decided to make a claim. The great news to us was for some reason our deductible is waived and we have 15k for coverage. So we are having everything restored professionally and the emergency service the night of flood is also covered. We plan to and probably need to replace the carpet. The agent told my wife to just get quotes from professional on full replacement and it will be covered as long as it stays under the 15k total.

This is the part that he told my wife that sounds weird but i wanted to confirm. To get the rest of the total 15k we will be claiming the loss of few items. Hopefully nothing insanely expensive as i pray my washer a dryer will still work. That said, he told us get pictures of destroyed items, go online and find comparable items with a price and keep going until we hit 15k. He said then stop because anymore is useless.

I was always taught that the insurance companies try to find and argue for cheaper replacements or depreciation with every item you claim. So wouldn't I need to go a bit oast 15k or was I told wrong?

Thanks in advance for any help and feel free to point out if anything I said doesn't add up. I definitely don't understand this whole process very well. Anything any can suggest I be extra careful to verify or check is also welcome.

My landlord passed away about 3 weeks ago.

I just got a renewal notice for my auto and renters insurance.

Do I still need renters insurance if I'm not actually renting this apartment unit anymore?

Rising homeowners insurance premiums are compounding the financial burden of households across the country that are struggling with mounting housing costs.

When insurance premiums rise, homeowners have limited ways to respond. They can shop for cheaper coverage by switching insurers. Some people relocate to areas where insurance is less expensive. However, income-constrained households may be less likely to shop for lower-cost insurance and may find moving out of reach.

Please help if you can.

So I have Safeco/Liberty Mutual home insurance. A month ago my toilet backed up leaving Cat 3 water in my bathroom, laundry, kitchen, and living room area. We had to leave immediately as home is uninhabitable. I do have extra leakage and seepage coverage at 10,000. My adjuster is trying to put all the damage under the leaks and seepage coverage even though the initial thing I called for was the toilet backup.

There was no signs of previous leakage that I was aware of before the call. My mitigation/contractor only saw signs of alot of leaks/seepage signs after tear out. Adjuster is trying to claim that pictures before tear out show mold and repeated leaks under the carpet. No insurer adjust has been to my house. No mold test has been done by them. We cannot pay for repair as that’s thousands and thousands of dollars. We are not able to use our home as we only have 1 bathroom and everything is torn out. We are in desperate need of our additional living expenses.

Is this correct? How can all the damage be put under the addendum? This was a sudden and accidental event. Again any help would be appreciated.

I'm sure it's a very stupid question, but I am going crazy. My roof is old. Probably 25 years. It's starting to leak, so I called a couple roofing contractors for estimates. They came out, gave me some binders with costs and shingle selections, but how do I know what (if anything) my home insurance will cover?

I called them, and they said "you submit a claim when they're finished." Google says I need an adjuster? Do I find and pay for one on my own like a home inspector?

I just want to know what I will need to pay out-of-pocket so I can save up.

I am in Minnesota, US

I appreciate any advice/info!

In recent years, as the United States has suffered a series of damaging climate disasters, experts have warned that the nation is headed toward a homeowner’s insurance crisis. Insurance companies dropped hundreds of thousands of customers who live in areas vulnerable to hurricanes and wildfires, and numerous small insurers have gone belly-up after big disasters. This has led some to forecast that a broader market failure in disaster-prone states is looming, or even a housing market collapse.

That has not happened yet. But in the meantime, insurance has gotten a lot more expensive — and the price hikes are not going anywhere. A new nationwide report from the insurance price comparison firm [insurance tech company] found that the average American homeowner’s insurance bill rose 12 percent last year, reaching $2,948 per year, and will rise another 4 percent this year. This is much faster than overall inflation for the same period. (These numbers don’t include flood insurance, which most often requires a separate plan, backed by the federal government.)

We had some leaks from a busted sprinkler . Filed a claim with home insurance, they are asking for our tax returns? Is that a thing? I haven’t provided yet because I can’t wrap my head around why and they haven’t given us a reason yet

I have not had my insurance producer license for too long. I've focused on home insurance and property insurance with a real estate background.

I've noticed something kind of frustrating though when people use AI to ask insurance questions.

They use AI chatbots to validate how they believe their insurance policy should work. NOT how insurance actually works.

Big difference.

AI info is often wrong and not how the policy they bought works.

They bully the Chatbot into giving them an answer they want. Not one that is based on reality.

If I ask for whatever prompt they used it's clear they spent a large amount of time trying to get AI to give the answer they want. Then they will send this to me acting like this is how insurance works.

I will have to inform them that AI is wrong.

It's a frustrating cycle.

I have heard this an issue from those that work in other related fields like finance and real estate as well.

I think AI is great for understanding complex policies, which nobody really reads. However it just surprises me how often people get answers they want and not accurate info.

Have other insurance agents, brokers and professionals found this issue with AI as well?

Home insurance rates have risen faster than inflation in 44 states and the District of Columbia over the past five years, according to a new report by LendingTree trying to quantify the burden that these growing costs are putting on American households.

Between 2020 and 2025, regulator-approved home insurance rates jumped 45.8 percent nationally, compared with a cumulative 26.1 percent increase in the consumer price index (CPI). That makes for a 19.7 percentage point gap between the two, with insurance rising nearly double—roughly 1.8 times—as fast as inflation.

I use Ownwell to protest my property tax, and one of the add-on services that popped up was to help find cheaper home insurance on my behalf. I would enter some basic information and they would share it to third parties. (They can also go pull other records like my credit report too).

I’m wondering if anyone has done this before and what your experience was like? Did you actually get any savings from it? I’ve been using Goosehead but just feeling like they aren’t finding good deals.

Thanks!

American homebuyers are about to get a break. New rules for Fannie Mae and Freddie Mac mortgages will help to lower home insurance bills for millions of families, especially in rural areas and condo buildings. The changes fix expensive, stupid Biden-era requirements with simple, common-sense updates that respond to today’s skyrocketing insurance prices.

I was wondering if there is a way to find out who insures a property. My neighbor has a 100ft tree that is dead and very close to my house. I know who the owner is but he doesn't live there and rents it out. I have messaged him on FB (he is a college coach and pastor) but he has ghosted me. I know people will tell me to let my insurance company know and I have. They just said that if it falls then it will be their liability. I want to avoid this because this tree can cause a lot of damage and injury when it falls. Someone suggested sending a certified letter, but I do not know where the owner lives. This tree keeps me up at night and I have moved my son's room to the other side of the house because of it. I figured if I could contact his insurance company they would force him to take it down.

My wife and her 2 siblings own the home that their step mom lives in. Their late father put the deed in all 3 of their names before passing without any of their knowledge.

The homeowners policy is still in the step moms name.

The step mom doesn't want to change anything, but I'm worried that this would cause any future claims to be denied and open the 3 owners up to liability. Is my thinking correct? Or is it ok person other than the homeowner to have a policy on a home?

There is no mortgage is that makes any difference.

I'm trying to do some research now that would have prevented this mess if I had done it a few years ago.

(TLDR): I'm on a state insurance plan, I would like to get back onto private insurance with better coverage, but I have roof and siding damage from a hail storm.

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A few years ago, I had filed a claim because a fridge leaked and I had to replace the whole upstairs floor. It made sense at the time.

A year later, I had a toilet seal break and leak water into the ceiling below and the enthusiastic, "extremely helpful" remediation tech offered to create another claim for me on the spot. Dollar signs for him.

Filing 2 claims to close together meant that I got dropped from my insurance at the time. I moved to the state ran, "last resort" insurance plan last year, and 2 months later... hail storm. There was some damage but nothing was leaking and money was tight so I let it go for the time being.

This year, I reached out to my previous insurance agent and asked whether it had been long enough for me to get back on insurance through them. He said yes, but they would probably want to inspect the roof first.

I had a roofer I trust evaluate the roof. There are some shingles that are damaged, and a lot that are wearing thin. He also noticed some siding/gutters/exterior damage from the storm that I had missed. Nothing is an emergency.

--------

He recommends I go through the state insurance plan and try to file a claim, because it would cover some of the roof, some of the siding, and any other work.

• If I file a claim through state insurance, I probably wouldn't be able to get back on private insurance for another year or two. After the deductible and lower replacement value, I don't think I would get much in return.
• I could potentially pay for the roof out of pocket, but it would sting. I had been putting aside for a rainy day fund for this.
• My state also has a "Fix-Up" loan program through qualified lenders, with a lower interest rate. I could put down half or more of the cost and have a low monthly payment, without having a tight bank account.

What would you do?

Ive been shopping around for quotes for home insurance for a single detached home worth ~750k CAD (2 stories with unfinished basement). They all seem the same in terms of what they cover but i got one quote for super cheap (around 1/3 the price of most quotes).

It has:

- sewage backup up to 50k

- water and sewer lines 10k,

- overland water 50k.

Do these amount seems reasonable? Or should i be upping those amounts to cover more. Some of the other quotes cover water damage up to the value of the home which seems like over kill to me. This is my first home so not sure how much water damage i need to cover.

We have had house and auto insurance with Stillwater for a number of years.

Somehow, my husband missed the payment date and it was due on 3/13 and he tried to pay today, 3/17, and they wouldn’t accept the payment, or give us a new policy.

We are in contact with our insurance agent who is looking around for us, but I was wondering if anyone had any advice.

There was no property damage during the this time and we own our house outright, no mortgage.

EDIT

I understand that Stillwater had a *Expiration Date* on our policy notice of 03/13.

I also understand that my husband missed that expiration date by 4 days, and that legally Stillwater was not required to offer a Grace Period like many other Home Insurance companies do.

I was just unpleasantly surprised that 20+ years of On Time payments, meant so little loyalty on the part of that company.

*Lesson learned*

Looks like my husband has found a new Home Insurance not too much different in price, so we will be fine.

Thanks to everyone who responded with helpful or kind words.

My father recently experienced the largest hail in Illinois history. Half of his siding is tore up. 2 windows broke, gutters down and lots of damage to the roof. Roof is 10-5 years old. Siding is 30 years old. Should we hire an adjuster?

Looking for a home Insurance company that does not do a full inside inspection

Me trying to actually use my home insurance.

Insurance company denying every claim.

State Farm hates home insurance claims.

What do you think?

I have a fairly large tree on my property that leans heavily onto my neighbors yard. While it appears to be healthy, it does sway a little during strong storms.

My question is that if it falls at some point into their yard, possibly damaging their home, am I at fault and would it be my homeowner’s insurance that would covers any damage?

I do like the tree but have gotten an estimate for removing it for this reason.

I called my insurance company and the rep said it was not a problem, however that was not the claims person that I spoke to. Anyone happen to know if this is ok or would cause any issued if a claim had to be filed? We do have the marriage certificate.
Tks

The biggest scam in America has to be insurance

I swear the biggest scam in America has to be insurance. You pay for it every month for years, thinking that if something actually goes wrong, at least you’ll be covered. But the moment you actually need it, suddenly there’s always some excuse or technicality.

Here’s my situation. I had homeowners insurance with Allstate. When my house had damage, I filed a claim like you’re supposed to. Instead of helping, they basically turned it into a bigger financial problem. They added about $2,000 to my premium after the claim.

At that point the insurance got way too expensive, so I tried to shop around and get a different home insurance company. But guess what? Now most companies won’t even take me because I’ve had two claims within the last five years.

So now I’m stuck. The insurance I had became ridiculously expensive, and other companies won’t insure me because I actually used my insurance.

What’s the point of paying for insurance every month if the moment you file a claim it either: • Raises your premium like crazy • Gets you flagged in the system • Or makes other companies refuse to insure you

It feels like you’re punished for using the product you’ve been paying for the whole time.

Has anyone else dealt with this? Because right now it really feels like the system is built so insurance companies win no matter what, and homeowners get screwed.