It should be but the premiums may be higher or there may be some exclusions applied.
If you are filing a homeowners insurance claim because your basement was flooded then be sure to be specific when making the claim because most homeowners do not have flood insurance. If your basement flooded as a result of a broken or leaky pipe or from some other cause from inside the home then you should be fine but if your basement was flooded as a result of an outside source then you may not.
It goes on your record and your insurance rates get adjusted.
A statute of limitations applies to a law suit. In this case the contract with the insurance company sets the time limits for filing claims.
You should verify with your insurance agent. However most U.S. states have a 2 year limit for filing property damage claims.
Your computer should fall under the contents section of your homeowners insurance policy where you should have listed it as a valuable that you want covered. If it is listed in your policy then you should have no problem filing a successful claim but if it is not then you may run into problems.
More than likely the homeowners insurance or the auto insurance would cover the damage. The person would have to evaluate whether the deductible and possible increase of rates would be worth filing a claim on either policy.
I'm assuming you have homeowners insurance. You should contact your agent or the policy services dept. of your insuring company and discuss this with them, there may not be coverage under your liability portion of your homeowners policy to cover him, and you may want to add an endorsement. Your state insurance department is your best resource for insurance-related questions and concerns. Find information on insurance companies and agents, rate quotes and comparisons, insurance buying tips, claims filing information and much more! State Insurance Department websites: http://www.naic.org/state_web_map.htm
Every state has different statute of limitations on crimes such as filing a fraudulent claim. Contact an attorney or check out your state's statutes to determine the SOL.
Filing Limit Claims must be submitted within 90 days from the date service is provided.^^^^^ That is INCORRECT! I'm a medical billing manager and you have to check with EACH insurance company as they all have different filing limits.Yes Friends,It differs from insurance to insurance.http://billingatchennai.blogspot.com/2009/12/insurance-claims-timley-filing-limit.html
That depends on the homeowners policy you bought, most homeowners insurance policies don't cover insect infestations but many will cover resulting damages if any, once you have abated the infestation. So first, call an exterminator to remove the Bees, Then if there is any remaining damage after removal, contact your home insurance company about coverage for any needed repairs. If damage is minor or below your deductible, it might be cheaper just to hire a handyman for that than filing a claim.
Preexisting Home DamageMost states only allow a maximum 2 year delay in filing a claim.There is no such thing as a retroactive claim. Homeowners Insurance policies "Do Not" cover preexisting damage and the claim should be filed with the Insurance company that was covering the home at the time the damage occurred.Other answersMost do however it depends upon the claim and what state you are in. Also the period of time cannot usually be over 12 months.
Most homeowners insurance does not increase rates due to claims. However, claims do determine whether or not a company continues to renew your policy. Especially now, if you are cancelled it is much harder to get home insurance.
appeal to secondary insurance
You can receive advice for filing an insurance claim online at websites such as Huffington Post, USAA, and Yahoo! Financial. You can also contact the company you have insurance through and they should help you with the process.
It depends on how the insurance policy is worded. Call the health insurance company and ask what timely filing limit is. Most insurance companies will go back 1 year from the service date. Sometimes it will be less.
A timely limit in filing a claim with AARP health insurance is 30 days. It is always recommended to file as soon as possible.
Every homeowners policy is unique and you need to read through your policy to be sure but I can tell you that most homeowners policies will cover your personal property. Your homeowners policy will actually cover your personal property anywhere in the world (depending on your specific policy). If your clubs were stolen from your car and you are thinking of filing a claim just remember that you will be responsible for your homeowners deductible which is usually around $1,000. That means that you are responsible for the first $1,000 so if your clubs are worth $1,200 you would get a check for $200 from your insurance company. Most golf clubs aren't worth that much but if yours are do you really want to file a claim to get a $200 check? After you file that claim your homeowners insurance premium will increase for 3-5 years because you will be considered a higher risk by the insurance companies. One other thing to consider is that if your car windows were broken during the theft you will also have to file a claim with your auto insurance company if you want them to cover the window. Most auto policies will replace glass for free or very little.
No. That is two different issues. Filing a claim is part of a legally binding contract. Filing suit is a civil action in itself.
Yes. Homeowners get an automatic homestead exemption that can be increased by filing a Declaration of Homestead in the land records for your primary residence only.
First check, your homeowners insurance policy. Your home policy may not cover your business needs but check with your agent first about additional coverage. The things to consider include: * Equipment insurance - coverage for your computer, fax machine, etc. * Liability insurance * Malpractice insurance - professional protection against losses resulting from professional mistakes * Data insurance - protection for computer files. * Disability insurance - prices may be high but it may be worth your piece of mind. Your state insurance department is your best resource for insurance-related questions and concerns. Find information on insurance companies and agents, rate quotes and comparisons, insurance buying tips, claims filing information and much more!State Insurance Department websites: http://www.naic.org/state_web_map.htmMore than half of the businesses in the United States are based out of the owner's home, with more being added every year, according to research by the Small Business Administration. Many of those entrepreneurs think their homeowners' insurance policies cover their business needs when the unexpected happens, but the reality is that most homeowners' policies don't.Homeowners insurance provides a limited amount of coverage for business equipment, but most standard homeowners' policies exclude coverage for businesses operating in the home. Most policies don't cover lost data, lost income or liability. cheap homeowners insurance company in Florida
You have to buy Auto Insurace and request an sr22 filing, You may also be added to your girlfriends Auto Insurance and have her Insurance company issue you an sr22. SR22 Insurance is the same thing as Auto Insurance. Only your Auto Insurer with whom you are a named insured driver can issue you an SR22 Filing. An SR22 Insurance Filing is just proof for the state that you have obtained your auto insurance.
You can change insurance companies at any time you want to. Dry rot is not covered under any homeowners insurance policy and will not be covered by any other company that you change to. When the company finds that you are filing claims for such items and are mad because it wasn't covered the new application may be rejected as well by the new company. Dry rot is a maintenance issue and not the result of a covered cause under home insurance. To be covered by home insurance it must be the result of a covered cause which generally means it must be sudden and accidental.