You should first discuss the matter with your Agent. He can help explain why the claim was denied and may be able to get the claim reconsidered if he can find a point of coverage for you.
An insurance company cannot drop you in the middle of a claim. The state department of insurance sets standards for how long it takes for the insurance company to respond to a claim, and to issue payment once damage is verified. If they have stopped contact with you and have not given you a reason I would contact your state department of insurance and file a complaint.
Homeowners Insurance is specific to the property of the named insured(s). It does not matter what state your in. If you are a third party not named on the Home insurance policy, then you nor any of your property would be covered and you would not have a valid claim.
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.
None of the major insurance companies sell homeowners insurance in Florida. The state has made a mess in the insurance market and now the state run company citizens is reaping off homeowners.
Yes, If you are in an at fault accident for which your state law requires you carry the appropriate coverage and the insurance you bought does not cover it. Then you were in fact uninsured for that accident and you are not in compliance with your state law regarding your financial responsibility.Basically it means that you did not have the minimum coverage required by your state.
Check with you state insurance department.
Contact the insurance commissioner for that state and file complaint
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.
"State Farm does indeed offer homeowners insurance. They also offer car insurance, renter's insurance, and a variety of other services to most states in the United States."
There are several companies that offer homeowners insurance. Allstate and State Farm are two of many companies. If you look in your yellow pages, you can find several insurance companies offering homeowners insurance.
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.
State Farm has extremely competitive prices and rates when it comes to homeowners insurance. If one does run into a problem when it comes to purchasing the insurance, State Farm also does beat competitors rates.