Hi all. Mrs. Hall and Oates and I are home buying noobs and are a bit confused about how much we should insure the house for, and what our deductible should be. Hope us pleaes? [more inside]
Is Safeco legit? Also, homeowners insurance unsolicited advice welcome. [more inside]
A developer structurally damaged my house and after lengthy attempts to get him to fix it I contacted my homeowner's insurance company (allstate, if it's relevant) . They are willing to cover it. An engineer and contractor came out with the insurance company adjuster and I recently got the engineer's report and the contractors estimate. Now what? [more inside]
For various reasons, I'm in my late 40s and my husband and I still rent. I'd like to buy a house (well, an apartment, actually) eventually, but am wondering if it's too late to do that now and I should just resign myself to renting. [more inside]
We're in contract on a 1940 house in Seattle, Washington, USA, and the inspector said there used to be oil heat. There's no visible sign of a tank, and no records of a tank being decommissioned (city records for decommissioning or removal of old tanks only go back to 1997). We're trying to decide if it's worth looking for the tank and having it decommissioned if one is found, or if it's OK to just leave it be. [more inside]
If you are part of a tenants and residents group or a homeowners' association, have you ever encountered a group which was the entrusted holder of equipment for use by anyone, all year? I am thinking of items that would be missed were they gone. I know a lot already about single-resident-initiated projects. I am more trying to find out if the presence of the items made you more proud or not in your neighborhood and if you ever use or used the item(s).
Tree roots have grown into the main water line that runs from the meter to my house and the whole thing has to be dug up and replaced. (Merry Christmas to me!) It occurred to me while talking with plumbers yesterday that my homeowner's insurance might cover something like this. However, I read the policy packet and am not seeing any details about what my insurance does and doesn't cover. [more inside]
My friend's wife pushed me from their deck into their in-ground pool on Sunday at a party. Now my knee is damaged. I could barely walk back to my car; saw a doctor tuesday; complete tear of the ACL + more (evil triad if that means anything to you.) I'm married, have a 21 month old and work for myself (I make money when I'm mostly on the road, although I do some writing/consulting from home.) Minimum I'm off my feet for a month....yes, I'm consulting lawyers, but I'd like to keep the friendship, if possible. Help! [more inside]
During a windstorm, a tree fell on our detached garage last night and destroyed it (no cars were in it, but the roof is completely caved in and the walls are buckling). We live adjacent to a public high school, and the tree was/is on the school's property, not ours. I filed a claim with our homeowners insurance already and asked if I should call the town directly or if the insurance folks should do it. The call center person I spoke to recommended that I wait. The claims adjuster is supposed to call "before tomorrow evening." I'm feeling antsy. Should I just go ahead and call the town? Would I be letting myself in for any potential foul-ups in reimbursement (either from insurance or from the town)?
My house sold earlier this month. I am not buying a new house right away, but... maybe? How long can I wait? How will this affect taxes? And if I could buy property, should I in order to avoid penalties (if there are any)? You are not my lawyer or my accountant, but way more details with a little bit of drama after the jump. [more inside]
I need to get homeowner's insurance for a property around Concord, NH. Can someone recommend an independent insurance agent in this area?
I had a roofer give me an estimate. He would like to make a hail damage claim against my homeowner's insurance. I didn't know that we had had a hailstorm this year... [more inside]
Is my Homeowners Association being arbitrary and capricious in enforcing its rules? [more inside]
Applying for homeowner's insurance (with Geico in NY state), I was given a quote of $1761. At that point, they took my social security number, and came back and told me the premium would be $200 higher. They would not account for the difference....it was "take it or leave it". And I have a nearly perfect credit rating. Thoughts?
[Firsttimehomeownerfilter] Please help me figure out the best way to repair/maintain my plumbing system in a newish home. Lots of complicating factors inside. [more inside]
I want to install solar panels when I replace my roof next summer. What do I need to know about manufacturers, incentives, and costs? I am in Washington state. [more inside]
Help me decide the better option: sell this house and buy a smaller one, or do a low cost remodel with better energy efficiency. More details inside. [more inside]
My parents had a house fire recently, and their insurance cut them a significant check to replace their belongings and rebuild the house. However, my deceased grandfather's name was on their policy, he had helped them buy it nearly twenty years ago, and the banks in town won't cash it without his signature. How is this even possible? [more inside]
Is filing too many claims always a death knell for your insurance? [more inside]
How detailed does my home inventory need to be for insurance purposes? [more inside]
A company did additional work they were not authorized by us to do to our house, and now our house is broken. [more inside]
Dangit, some one came and took my tv! [more inside]
Homeowner insurance through Farmer's Insurance Group -- is this a Very Bad Idea? [more inside]
At what dollar amount do I draw the line for making a homeowners insurance claim? [more inside]
My wife and I are closing on a house in a week or so. The house is in the 120,000 range. Today, I started my search for homeowners insurance. My first quote from state farm was 1,500 a year. This is our first house, so we're in the dark. [MI] [more inside]
Following up on yesterday's "I was robbed" question, I now ask a question about homeowner's insurance, claims, etc - please come inside. [more inside]
Adventures in suburbia! I have a deck. Apparently, decks need maintenance, and mine sure needs to be power washed. Is this something that I can do (I'm about as un-handy as it gets)? If I do undertake this task, is there anything that I should know/look out for so that I don't leave a path of destruction?
Are there any programmable or automatic thermostats that can keep a house within a certain temperature range, and not just at a certain point? For example, I don't want to set the temperature at 72°F, but have the air conditioner come on at 73°F and the heater come on at 71°F. I'd prefer a range of six degrees or so, so that the air conditioner comes on if the temperature rises above 74°F, and the heater if it falls below 68°F, or something like that. I don't pay enough attention to it now, so the temperature swings too much and it's bad for items in the house. Can't some technology do this for me?