amy g asked:


I was in an accident where I didn’t have insurance on my vehicle and neither did the other driver. Am I able to use my homeowners insurance to get money to pay for medical bills from the accident? My husabnd said someone at work told him about this, but I have never neard of it before.

elizabeth asked:


When my son was living with us he was involved in an altercation with a neighbor. That neighbor is now suing us via our homeowners policy for injuries he sustained as my son was defending himself. No arrests were made, but the police were called. If the insurance company decides to pay the claim, now that my son has his own home, will my insurance company try to recoup their money by suing my son?

Tigaresa asked:


Me and my husband are in the process of building a new home in Houston,TX and I wanted to know if anybody with experience had any advise into what else we should look into besides homeowners insurance? Is that all that we need?

caddi814 asked:


I want to have someone come in & sand and refinish my harwood floors. Ive been told to just rent a sander myself, but a friend i know did that & ended up with “humps” in her flooring, and eventually just covered it up with carpet. So I def. want to leave it up to the professionals. I live in Northern Alabama, my house is 2,200 square feet aproximately. But two of my rooms are carpets, hence, it wouldnt apply to those rooms. is it unheard of for the flooring company to do finiancing with them [it would help].
Also my ceiling has cracks now, and the doors wont shut all the way [so im almost certain its a foundation problem]. My mom just paid $4,000 for her foundation to be fixed. =( that’s too much. any chance homeowners insurance will pay for that?

nice pants asked:


I live in Michigan and have Pioneer State Mutual homeowners insurance. During a recent storm, a large tree in our backyard fell straight across our single story ranch style house, coming to rest with the tree top in our front yard. The tree damaged the roof in the front and back. The damage on the rear of the house is much more significant than in the front. We cannot find shingles to match the ones up there now, so the insurance company agreed to re-shingle the back half of the roof(not including attatched garage) and feel repairing the front half of the house with shingles removed from the rear is acceptable since you can’t look at both sides of the house at the same time. The new(dimensional) and the old shingles(3 tab) look nothing alike. Every bone in my body tells me this is not right. Today we have asked them to put in writing why they will not redo the entire roof. We plan on filing a complaint with Michigans OFIS.
Thanks for your replies. I am aware the dimensional shingles cost more than the 3-tab, however I’m told they actually install much faster than the 3-tab so we will end up saving on the labor end of things, enough to where it might actually cost less if not the same.
The shingles that are on the roof now are between 10 and 15 years old. They were in great shape and I would say they had another 10 years left in them. At this point we are gonna shell out the extra dough to do the entire roof. It just seems pretty rotten they don’t care what our house looks like as long as it functional. I’m not trying to benefit or profit from this, I just want to be where we were at before the tree fell… with a roof thats the same on both sides. This is the first time I’ve had to deal with anything like this and I’m very grateful for every reply. You’ve all helped out a bunch in this stressful time and I wish you all the best.

rb1823 asked:


A friend advised me to claim it, but I wasn’t sure if I could. I always thought homeowners insurance covered items in your household in the event of an accident, fire or theft. My three year old had a temper tantrum and threw a toy at the screen. The friend stated this WAS an accident. Any suggestions?

xray_man69 asked:


My daughter was bitten by my neighbors dog. He refuses to pay. I want to file a claim on his homeowners insurance, but he won’t tell me.

jujape1978 asked:


I read somewhere that homeowners insurance was deductible, but my tax guy has never mentioned it and we’ve never taken it as a deduction. Just thought I’d check.

Mary J asked:


I am looking for homeowners insurance for a home in California. We have 2 dogs, one which is a German Shepherd. What insurance carrier works well with dog owners?

Justin Smith asked:


My wife and I have two kids, and we have been forced to live on a tighter budget for the past 6 months. Allstate just raised our homeowners insurance by $50/month and that is more than we can afford right now. Is there a law that require we have homeowners insurance? Does our mortgage company require it?