homeowners insurance companies

When you buy a house do you pay homeowners insurance to escrow or the insurance company for the first year?

I'm buying a house and currently getting the insurance rates.

Escrow. You give your quote to your lender and when you go to close you will pay it there. At least, that is what I had to do.

What Homeowner Insurance Companies work in Florida?

Call the Florida Department of Financial Services: in-State only: 1(800)342-2762 or 1(850)413-2806. They should be able to give you a list. This information may also be posted on its web site.

Which Oregon homeowners insurance company is the best at taking care of their customers in case of a claim?

I have been very happy with SAIF.

will homeowners insurance cover my besenji mix if it's 2% pit bull?

we are thinking about adopting a besenji mix, but she is 2% pit bull. i have heard that some homeowners insurance companies will not cover a certain group of dogs, pit bull being one of them. i am convinced that this dog is the sweet as can be, and it has passed all of the shelter's tests on behavior. what can i do?

homeinsurance.awardspace.us – try this one. Got my home insurance from them. As I know they provide such a service.

how do i find out my landlord's homeowners insurance company.?

My landlord tried to fix the water heater less than a week before the house burnt down because of the faulty water heater.i will like to file a 3rd party claim against his homeowner's insurance company but i dont know who he insured with. His name is James Phifer addy is 812 9th st, ne washington dc 20002

Then ask him.

We don't know.

So if it turns out the California fires were arson, are the homeowners insured, or do the insurance companies?

get to dodge that cost?

The only time they don't pay out on a homeowners policy for an arson fire, is if the homeowner burns their OWN house. And even then, they STILL have to pay the mortgagee, up to the payoff of the house, or the policy limit, whichever is LESS.

So, if you set your own house on fire, the insurance company won't pay YOU for burning down your own house. But they'll pay off your mortgage. And if it spreads to the house next door, THEIR insurance will pay THEM.

So yes, the homeowners are covered, unless one of them set the fire. In which case, the one who set the fire won't get a dime.

if you get burned at someones home don't you file it Through the homeowners insurance company or the individua

i got burned by a heating pad that my Fiancee's had under his shoulder but it slid up-under me during our sleep. it was an accident and neither one of us were aware of the situation. can someone give us a little bit of advice on what to do????

Do you live there?

Did you need emergency treatment?

Were you drunk?

I'm just trying to figure out how you can get a really serious burn sleeping on a heating pad – I always wake up when it starts getting uncomfortable.

Anyway. If it's not serious, get over it. If you were hospitalized with serious burns, you're likely not going to be able to sue ANYONE, as the instructions on heating pads say don't sleep with them. I don't think your fiance was any more negligent than YOU were, and if you live there, you can't collect under his policy anyway.

My advice is, don't sleep with heating pads. And don't blow dry your hair in the bathtub, either.

Your health insurance is going to cover the doctor visit.

what can I do if my Homeowners insurance company drops me just for living on the Eastern Seaboard?

I dont know, that doesnt sound right…especially if you are an existing customer! They can stop writing new policies that are located on the Eastern Seaboard, or even drop you after filing in a claim, but just drop you for for that reason on an existing account? There is something utterly wrong with that! Maybe you should check with your state's Office of Insurance Regulation!

Did insurance companies help or abandon the Hurricane Katrina homeowners?

I work in the real estate industry and am curious if the homeowners who lost their homes to Hurricane Katrina ever got reimbursed by their property insurance companies. Or, due to the enoromous cost, did the insurance companies default out of self preservation? It seems to me that those homeowners who thought their home equity was safe in their homes experienced the biggest financial loss.

Well, neither. They paid out according to their contracts. They REALLY don't pay any flood claims; all flood claims are paid through FEMA, as all flood in the US on homeowners policies are written through the National Flood Insurance Plan.

The truth of the matter is, the majority of damages were caused by flooding, which is EXCLUDED on ALL HOMEOWNERS POLICIES. So, it's not "self preservation" to not pay for something that's not covered!

Homeowners that think that a homeowners policy covers EVERYTHING, need a wakeup call. Here's a list of things that I, personally, have had people scream at me for, even though it's not EVER covered on any policy:

flood – including water damage. People don't realize that flood isn't only water from creeks rising up – it's also water from elevations above you, like rainwater, flowing down – and through your house.

pests – yep, insurance companies won't pay to remove your flea infestations, your mouse problem, your cockroach problems, or even your termites. And they won't pay for any damages caused by these.

pets – yep, your cat pees all over the house, the insurance company isn't going to buy you all new carpet every year, and replace your ruined hardwood floors!! If your dog is always scratching at the door until he shreds it, they don't cover that either!!

rot – most commonly, your 40 year old roof that needed to be replaced 20 years ago. When it collapses under it's own weight, the insurance company isn't going to pay! As a plus, sometimes they will pay for the water damage to your drywall inside the house, from the leaky roof. But maintenance is up to YOU.

trees – they don't clean up fallen trees, unless they land on, and damage, a covered structure. They don't clean up any PARTS of trees, unless they land on and damage a covered structure. This includes branches, and YES! LEAVES! The insurance company will NOT rake your yard every fall! Imagine that!!

mold – well, a very few policies have a very limited amount of mold remediation – like $5,000 – and ONLY after a covered loss. The problem is, mold happens because your house is too moist, or improperly constructed. MOST mold, is NOT that toxic stuff you read about. So just get some bleach out, and clean it up yourself, and find the source of the dampness and get rid of it.

wet basements – yep, most of the time, its NOT a foundation problem, but it can cause them!! High water tables and an improperly sloped house, or clogged rain gutters, or NO gutters, that will do it! Not covered.

paint – you know what, paint is going to wear off, you're GOING to have to repaint your house every 7 – 10 years. Teh insurance company doesn't do it for you. Save up, or get vinyl siding.

You have to do two things: read your policy, and use common sense. Do what you would do to maintain your property if you DIDN'T have homeowners insurance. OK, I'm getting off my soapbox and making supper now.

***BTW – it's not that floods are an "act of god" (which is NOT an insurance term), or that it's not directly covered, it's that FLOOD is SPECIFICALLY EXCLUDED ON EVERY POLICY. PERIOD. Just like War, and Nuclear Radiation.***

Can you take a homeowners insurance company to court???

I am asking because we had hail damage on our roof and it need to be replaced. They sent us a check to cover the cost of new shingles and etc., however when the roofers started tearing the old shingles off today, we discovered that there never was any plywood underneath…. It looked kinda like old hard wood flooring (the thin slats of wood) with huge gaps and holes everywhere… The guy had said that he was shocked that our roof hadn't leaked yet. When we called our insurance company to request addition funds… (2500 dollars) they refused to pay and basically said we were on our own…. I have been taking pics of everything, and I was wondering if you can take them to court or not and make them pay it?? We have used the same company ever since we purchased the house (5 years) and have never made any late payments. The only claim ever made to them is now for the roof… What are our rights???? Thanks for your help!!!
They said the reason for the "hard wood slats" is I guess the old roof was wooden shingles and when it was replaced they never put down any plywood.
So are you saying that we are just S.O.L. or is there something else we can do??? BTW: Our house is 70 years old. I have no idea who did the roof last, and I am surprised too that it wasn't caught before they let us move in… the loan we got required everything to check out 100% before we could get approved. Is there someone from that area that can help us or????? Hmmm….. we just don't have that kinda money.
Oh, and what about this???? If we never would have gotten our roof fixed and filed that claim, then yeah we wouldn't have found that, and yeah, would they have wanted to remodel our entire house with new walls from water damage????? That would have costed them even more….

Besides, that is what we pay them for and they cant even be depended on in an emergency….

We are changing companies also now because of this…..

The answer to your questions is Yes, you can sue your home owners insurance company. You should get a REALLY good lawyer as insurance companies tend to have some of the best around (they play this game a lot and hate to lose). Before you do so, you need to really read your policy. If it doesn't make sense, you may want to chat with a lawyer for assistance with that as well. Many insurance policies have limitations where they are only required to do repairs that restore the condition before the damage. Since the roof did not have under-layment before the damage, they may not be required to upgrade the roof.