Expert Advice for Damages Claims

All Questions on Damages Claims

Do I always have to pay my deductible when I submit a claim?
I need to submit a claim for damage. Is there any way to avoid paying my deductible? The damage is $1,100 and my deductible is $1,000.
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Emily Maracle
Sep 09, 2021
Does my home insurance cover damage to a patio from a tree?
A windstorm caused a tree to fall on my patio. There's significant damage to it. Will my insurance cover it?
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Emily Maracle
Sep 09, 2021
Can I use my home insurance claim money on something else?
I was paid out a claim for damage. Do I have to fix the damage? I could really use the money for bills.
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Emily Maracle
Sep 09, 2021
Does home insurance cover water damage?
I have an HO-2 policy. A pipe burst in my house. Can I submit a claim?
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Emily Maracle
Sep 09, 2021
Can home insurance cover roof leaks?
My roof started leaking. We just had a big storm, but I'm not sure if that caused the damage. Can I submit a claim to my insurance?
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Emily Maracle
Sep 09, 2021
What is the best home insurance company for fire damage?
I'm moving to an area that's prone to wildfires. Is there a recommended company for this? What company is best?
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Emily Maracle
Sep 09, 2021
How do you submit a home insurance claim?
There was a huge windstorm in my area. A tree fell onto our property and damaged our home. How do we submit a claim to our insurance?
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Emily Maracle
Sep 09, 2021
Does homeowners insurance pay for new gutters?
I need new gutters on my home. Could I submit a claim to my insurance to pay for them?
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Emily Maracle
Sep 09, 2021
How can I get a better home insurance price?
Our insurance prices shot up after we had two water leaks. There wasn't a ton of damage, but our insurance shot up from $700 to $2300 a year. Is there anything we can do to repair our claims history or get better rates?
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Sophie Newman
Aug 18, 2021
When should you make a home insurance claim vs. pay out of pocket?
When is it worth it to make a home insurance claim? I realized this spring that a winter snowstorm had done some damage to my fence, which is covered under my policy—but the damage seemed minimal and easy to repair myself, so I did. Should I have filed a claim for it instead? And are there any instances where it's better to pay out of pocket?
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Shannon Martin
Aug 10, 2021
Is it worth calling the police when you're involved in a minor fender bender?
I had a tiny little accident with another car the other day. I got a dent on my car, but it's still driveable and otherwise totally fine. My mom said I should have called the police to make a report, but I think that's silly for a little fender bender like this. Was she right?
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Jessica Bartolucci
Aug 09, 2021
Can you be sued after a car accident in Missouri?
I was at fault in an accident. The cost of medical bills was $50,000 and my insurance only covered $30,000. I can't pay the remaining amount and now the other driver is suing me. Is this legal?
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Emily Maracle
Jul 30, 2021
What can I do if a tow truck damaged my vehicle while transporting it?
What do I do to get reimbursed for the damage? I had my Kia Sorento towed to a local repair shop. When it arrived, I noticed some body damage to it. The damage isn't extensive, but it's definitely noticeable.
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Eric Schad
Jul 22, 2021
Is there a way to get money from a tow company if they essentially total my car?
"What should I do if a tow company denies damages they did to my car? I called my insurance company to get a tow when my car wouldn't start due to a starter problem. My spouse picked me up to take me to the repair shop. When the tow truck finally arrived, my heart sank. They didn't use a flatbed to haul my all-wheel-drive car, securing only two wheels instead. As a result, the drivetrain is ruined. Now the tow company denies that it happened. They've offered me half the value of my car to settle."
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Eric Schad
Jul 22, 2021
Do homeowners insurance policies cover power surges?
Would my insurance cover the repairs to our new stove? We had a storm that caused power surges and outages. Our stove was damaged in a power surge prior to losing power.
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Emily Maracle
Jul 20, 2021
What damage does homeowners insurance cover after a windstorm?
Would our insurance cover damage on my property caused by a windstorm? My fence is broken and a swing set we had is also damaged.
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Emily Maracle
Jul 20, 2021
Does home insurance cover water damage if it damages something we just had repaired?
If our roof starts leaking after bad weather, would our insurance cover the damage to the insulation? We just had new insulation put in our attic.
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Emily Maracle
Jul 20, 2021
What should I do if the towing company damaged the drivetrain on my car?
What should I do if my car was damaged by the towing company? I left the car unlocked so the towing company could put the car into neutral when they towed it. When I arrived at the shop, the car had significant damage to the drivetrain. The original issue was with the alternator. The repair shop told me that the towing company probably did it.
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Eric Schad
Jul 12, 2021
When should I submit a claim to my insurance for vehicle damage?
"Should I submit a claim for damage to my leased vehicle during bad weather? I live in Illinois, was the only one involved, and have full coverage. My deductible is $500 and the cost to repair the damage is $650."
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Emily Maracle
Jul 27, 2021

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