Here are opinions from FAQ Farmers: Yes an Insurer can cancel or non renew your policy in accordance with your states reglations for a number of reasons. Reasons for a cancellation or non-renewal can include but are not limited to the following. A substantial change in risk factors related to your coverage. Diminished capacity to accept risks in your region, such as when after a major storm has depleted the insurers reserve funds due to claims and the company is required by law to reduce its insured portfolio. They may also occassionally change qualifying criteria for certain policy lines. if an Insurer changes for example to a credit scoring component in their rating system, the insured may find they no longer qualify at renewal time for the policy previously issued. Policies can often be terminated or non renewed regardless of your clams history. * I'm sure they can do anything they want. But if you've never filed a claim, I don't know why they would. Unless you've had a lot of late or missed payments. If you don't know the reason, you should call and talk to them. It could be a mistake.
The same as any claim. You just call the insurance company and notify them of your loss. If coverage is available then they will assign you a claim number and begin to process your claim.
They should not drop you before a claim is settled. If they have contact your state department of insurance and file a complaint.
It depends on why they didn't pay the claim. If you have the coverage and followed the requirements, like making a police report, cooperating with the insurance company as well as the police then you should have no problem with a claim, if it was in fact a theft. Otherwise you can always sue the company or file a complaint with your state department of insurance if you feel you were denied coverage you paid for.
Lightning is covered under Comprehensive coverage, if the vehicle has that particular coverage on it at the time of the incident. If you have that coverage is place, file a claim with your insurance company, and you should be compensated for your loss, minus the deductible.
Generally you would just file a claim with your insurance company. If you have windstorm coverage and your roof met the requirements for coverage on your policy you should have no problem getting the company to pay for repairs.
If they denied that claim for cause, such as fraud, then there is nothing you can do. If they did not have cause, you can try contacting the department of insurance in your state. That is of course, as long as you had comphrensive coverage on the policy. If you did not have coverage, they do not have to pay for anything.
You bet. See, it works like this ... you pay for a service (insurance coverage) ... as long as you keep paying on time, you have coverage. One thing you don't want to ever do is make a late payment while a claim is being handled ... the insurance company thinks you are no longer interested in having them provide insurance coverage, and cancels your policy. Some insurance companies automatically cancel anybody for filing an accident claim.
If you have filed a home insurance claim through your existing home insurance company, you do have the right to change insurance companies if you were unhappy with the service you were provided, or for any other reason. As long as you have coverage in place at the time of the claim, you can cancel your policy and bind coverage with another company. It is important to receive quotes and bind your coverage before cancelling your policy because some companies will not accept homeowners with claims on their claims history report.
An insurance company can't force you to do anything. But, dependent on your policy, they could deny your claim or terminate benefits based on medical non-compliance.
You can make a claim, but if you are claiming the same damages that is insurance fraud and it is a federal crime. If you have unrelated damages you can make a claim, or you can disclose the prior claim to your insurance carrier and they will advise you if there is any coverage that would apply.
Company A holds your primary insurance coverage and A is involved in a claim situation with B--whether an individual or company. Company A can pay for the claim or its responsible portion of the claim and subrogate in suit against Part B so that the claim can be settled and ended for Client A.
Yes, provided you have comprehensive coverage or can claim it on your homeowners or renters' insurance; but, as this would be an act of vandalism, you may be required to provide a police report.