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2009-10-29 01:47:35
2009-10-29 01:47:35
Pre-existing home damage.

Retroactive in what way? the state of Kentucky?

Homeowners Insurance Policies do not cover preexisting damage to a home.


Related Questions

No, Homeowners insurance is for the house. it does not cover cars or car accident claims.

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.

As far as homeowners, and auto claims payments are concerned no.

It is either a claim for a fire or it is any type of homeowners claims since homeowners policies used to be called fire policies.

All homeowners claims are subject to premium surcharges. either in the current policy period or at renewal.

The statute of limitations regarding insurance refunds in Florida is 20 months. Cases that are found fraudulent are exempted from retroactive claims.

No. Homeowners insurance usually does not have surcharges for claims. However, you will loose any "claim-free" discounts that you have attained on the policy. If you have continuous claims the insurance company may require you have a higher deductible, get a security system, or cancel the policy. You don't want to have claims on your homeowners policy unless you have to. Homeowners insurance is for large claims not for small ones. Frequency of claims counts against you just as much as having a large claim. Homeowners policies are getting harder to get at good rates. If you have one protect your record and do what you have to so that you don't ruin the good coverage and rates you have. As a matter of full disclosure, I own and operate a small Independent Insurance Company in Central Georgia and have for the past 22 years. Prior to that I worked as an agent for a direct writer of insurance for 3 years.

Progressive Car Insurance is an insurance company that claims to have low, competitive insurance rates. They offer free quotes and other types of insurance as well, such as homeowners insurance and RV insurance.

A public adjuster is an insurance claims adjuster who is an advocate for and paid by the policyholder in appraising and negotiating an insurance claim.for more information please visit Google search.

Cell phones are covered as are any other contents if damaged by a covered cause such as a fire. The problem is that all homeowners policies have deductibles. It is not adviseable to make small claims on homeowners policies. They are made for large issues such as a fire or other large claims.

You'll need t check your insurance policy language to be sure, but most homeowners insurance polices in the U.S. these days do not provide coverage for asbestos abatement or related claims arising from asbestos.

In fact, certain claims on your homeowners policy could lead to an increase.

Just contact your Home Insurance Company and ask them about it. Many companies are fine with this for small claims or minor repairs.

The liability coverage on your homeowners policy will protect you from anyone that is hurt on your property and tries to sue you. As for the roofing contractors, you would need to make sure they are licensed and bonded themselves so any damage they cause will be covered. If you are looking for a roofer, do not hire anyone who does not carry their own business liability policy. I am an insurance agent and this answer is based on my knowledge of insurance and claims, but you can go to the following website to read frequently asked questions on insurance quotes and claims. This is the website I found additional answers for your question:

You can find life insurance in Kentucky 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

It may cover them for certain your agent or claims rep.

Generally homeowners policies are not increased due to claims. Perhaps a company may have a discount for being claim free that might make it go up after a claim because you loose the discount. One thing to remember is that a homeowners policy is made for big claims and not little claims. Claims history is judged by frequency as well as claim amounts. The easiest way to get cancelled is to start making small claims. I recommend keeping a $1000 deductible or higher and only use it for large losses. Homeowners Insurance is a loosing business for the last few years and the worst thing you can do is to get cancelled because it is getting harder and harder to find good homeowners insurance at a good rate.

You can sue anyone you want, But you would lose in this circumstance. You would also be required to cover all the legal expenses and attorney fees for the entity you sued after you lose the case. Homeowners Insurance does not cover auto accident claims, that's what auto insurance is for.

Homeowners policies do not cover damage to motorized vehicles (except lawnmowers, golf carts, off-road vehicles, electric wheelchairs). SOMETIMES there is coverage for boats & their trailers when stored in an enclosed building on the premises.

Most insurance companies will not offer you coverage at all. There are a few companies that will give you a regular homeowners policy if you sign an exclusion for animal liability. This means you will have a normal policy except it will not cover any claims having to do with animals.

No insurance for past claims, unless you had a policy during the time of loss that is now expired. Can sometimes be covered under a homeowners policy depending on the size of the boat.

Usually not. Most companies do not rate up for a claim. However, at this time it is very hard to get homeowners insurance at a good rate if you are cancelled by another company or if you have claims it is hard to move to another company. Insurance goes in cycles. For the past few years insurance companies have been loosing money on homeowners insurance so they have become much more careful with their underwriting. It is easier to get car insurance than home insurance. Most companies will not even write home insurance unless you also give them your auto insurance.

every state should have a Fair Access to Insurance Plan - some call them "FAIR" plans - they are the insurer of last resort. contact a local agent to assist

The retroactive date is the date from which coverage is deemed valid. Retro active dates are most common in professional lines ( claims Made ) policies and indicate the beginning coverage date from which there has been no lapse. You will not find a retroactive date on an occurrence policy

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