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What if I'm discovering mold in the basement is probably due to a structural issue or a foundation shift of a fact Foundation what do I do in that case and if the mortgage company has to sign off on it doesn't mean that it's really their policy and not my personal my own homeowners insurance in that case what is the mortgage at their own cost

If I try to file a claim on water damage like the toilet overflowed and flooded down the hallway and ruined my hardwood floors in my bedrooms and caused the mold issues and the insurance company tells me you have to go through my mortgage company doesn't that mean the insurance is is supposed to be the insurance policy is from the mortgage company that does not my own private insurance? And wouldn't that be covered under strata because the mortgage company should be paying for their own policy not me?

Why would your insurance waive the deductible and refund your money before subrogation?

I am in the gray area for USAA. Neighbors unit caught fire, but no water/fire damage to my unit and we are connected. But We have smoke smell coming through walls/crawl space. - Getting a few quotes from restorers. But the smell seems toxic and burning my eyes.

My policy went up 6 dollars but it’s worth paying 900 I was quoted

I hope this rule do not apply in the state of California. Effective communication is the key🕺💯

I am very interested about this topic.

Very useful ... a contribution to the universe !

Hello Sir I have got a minor accident due to oil lamp the smoke is all over my first floor and second floor and the black ashes is all over the spots I filed claim but they are saying we need to change floors and carpets and they estimate around 50k I guess. Is that really needed. How much my premium goes next year.

Is this a driver's record record?

I work in claims. If you can't be without your car, keep your comprehensive and collision coverage. One of the hardest conversations to have is with a claimant who does not have collision coverage but who needs their car repairs or total handled immediately. So many things can go wrong when you expect the other party's insurance company to handle your repairs or total loss: (1) You might be partially or completely at fault; (2) the other party actually doesn't have insurance; (3) liability is not clear and requires an investigation; (4) there were several vehicles involved in the accident, and in order to pay anyone out, we need estimates from all of them; (5) we get the estimates but there is not enough money to go around. In short, there can be lengthy delays, partial pay outs, or no pay out at all. No big deal if you have another vehicle and your old car was just an extra beater you have, but a big deal if it is your only means of transportation. On the other hand, if you have comp/collision, your insurance company will handle your repairs / total loss, minus the deductible (and if you are not at fault, they will try to get that back for you too), and usually very quickly. PS. If you have comp/coll, look into rental coverage too. It's often pretty cheap.

Awesome video very helpful

Hi, who can help in San Diego? I found mold and damaged personal items in my rental inside a private home. I have renters ins but they will not cover it. The owner said she will reimburse me. Said her son will come fix it. 40 days later no action but she says I have to move so he can fix it. Then she smartens up and tells me shes moving to Florida and closing the house and that I have 30 days to find a new place. My head is spinning

Of course insurance have "gotten away" from using Blue book evaluations....they do anything they can to avoid paying you the true value of your vehicle.

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MetroMile stopped writing new policies in Illinois. So I switched to GEICO. Cheapest coverage I could find.

Insurance companies pay agents money when their clients don’t file claims. This guy doesn’t want you filing claims cause he gets paid more money when you don’t. Those aren’t grey areas he is talking about those are claims. Filing a claim won’t raise your premiums and there is no shared portal where the carriers know who filed claims. They tell you the CLUE database but that’s auto and personal property

Why not be allowed to own a dog unless you have insurance on the dog.

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Thanks for the info, Tracey! This was very helpful.

What if a driver in the same household (a relative) was not excluded , not listed and causes an accident with your vehicle ? Would the insured vehicle's policy cover damages for the other party ? In the State of Georgia

❤️ "Promo sm"

thanks man almost filed a claim. Thanks this was great advice

How do you get it?

It ain’t none of the Insurence company’s dam business they aren’t the government cancel the Insurence company’s

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I just realized I've been having an electrical issue with my circuit breaker box, which is being caused by a water leak in the foundation. I've been having large water leaks but didn't know it was affecting my electric throughout my home. I have USAA. What do you recommend??

Polite feedback. Perhaps learn how to adjust the recording level. Always, listen to the video yourself before you post it! I hope that makes sense.

Good information, quick and to the point. Nice work Mr. Wells.

Can't hear you

Intro music volume 10. Monologue volume 4.

I am retired from the P and C ins biz and have lived in Gainesville for the past 9 years. I have been insured by the same carrier for about 15 years and have never had an Auto or HO claim. I always bundle my coverages, pay full annual premium for 15% discount and both revise my coverages...limits..deductibles etc and shop the market every renewal. My current carrier has always been the least expensive carrier i can find and usually by a significant %. This year my auto and HO renewal premiums went up 25%....EACH....really shocking even with my experience and knowledge of all of the elements which go into ratemaking. I only have one car these days because my wife and i dont NEED 2 cars but i would like to have a second car for a backup so to speak, however, with Auto rates like they have become it makes no economic sense to keep a second car. My wife used to be an Underwriting Mgr for many years as well. Unfortunately, the primary reason, I believe, for the rise in rates these days is the blatant increase in DISHONESTY by everyone in the insurance mechanism from Insureds to claimants to repair facilities to contractors to car mfgs and dealers, to lawyers etc. I could go on but what is the point. Our society's CHARACTER is the key reason we are seeing this trend and it will only continue going forward because of the decline in the honesty of most Americans. BTW your rates were also not nearly as competitive as my current carrier, but were closer than most. r

wrong information

That was helpful, thank you.

Great Advice!

Thanks for the advice Tracy.

thanks~this is nreal vlog. ;))

Great information is always

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Good Video. Your intro dope.

I recently file a roof claim n was approved. They sent a ACV check instead of RCV. Call them n he told me I do have a RCV policy but when I file my roof claim it was over 15 years old roof n they only give me ACV check. He also told me if I would file my claim before 15 years old roof I would of got RCV check. Is that true????

My insurance paid me ACV instead of RCV. I call them n ask why I got ACV in stead of RCV. He told me that I got RCV policy but when I file my roof claim he said the roof was over 15 years old n that why I got paid ACV instead of RCV. He said if I file my roof age before 15 years old then I would get RCV. Is that true? In order to get RCV we have to file claim before 15 years roof?? Thanks 🙏

I have alot on my MVR that’s not true . Like car rental , towning . And insurance company reported as claim again my own insurance . How do I clean that off . They are denying to do anything about it

Thank you. Is it normal in Georgia for your attorney to only deal with the personal injury & not deal with the property damage (your car), when you’re not the at fault driver?

What about if you never signed a contract just verbal excluded a person, does it matter??

What about speeding in a semi 72 in a 55?

How can I find out someone home insurance to file a claim

He so bored -

This should be illegal

Very helpful, thank you !