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Vickie Said:

Work as an insurance home adjuster?

We Answered:

They have property adjusters, just like they have for autos. It is not necessarily a good side job though, you are basically on call all the time. House fires don't always happen between 9-5. Adjusters don't do inspections, that's a different profession altogether. If there is a fire, the ins.co. might hire an outside company to determine the cause but not determine how much gets paid out. You could be a building inspector or do code enforcement, those aren't quite as demanding on your time.

Don Said:

Do married people get better deals on insurance (home, auto, etc.)?

We Answered:

Generally, yes.

Bradley Said:

How good is Belair Direct Home Insurance? Are they easy to deal with for home insurance?

We Answered:

JD Powers recent rated Belair Direct Home Insurance in their 2008 Canadian Home Insurance customer satisfaction survey and they came in a close second behind State Farm. I believe they are a very good company to entrust with your home insurance.

Kurt Said:

anyone know anything about home owner's insurance and what townhome resident deals with a problem?

We Answered:

homeinsurance.awardspace.us - try this one. Got my home insurance from them. As I know they provide such a service.

Earl Said:

I took home insurance with an insurance broker who then deals with various insurance companies.?

We Answered:

I would when you have a problem and you use a broker its really hard to talk to someone..they tend to pass you back and forth

Clara Said:

tornado damage,home insurance not dealing with me fairly?

We Answered:

In short? Don't cash the check, send it back.
Get everything fixed the way you want it yourself, that's up to you not your insurance company (unless you want to go crazy over this), pay in full out of your money, keep all receipts and VIDEO the repairs, before/during/after.

Then have a lawyer send the bill to your insurance company, including a bit for you having to search around, get a lawyer, pay the lawyer etc..

That's it.

You could do this yourself, I am just suggesting you get a lawyer to send a letter as it shows that you aren't fooling around and he might even advice you how to get extra money for the delay.

If you are stuck for a lawyer, see http://locate-power-of-attorney.info/ you can post your job then they'll post it to their lawyers who might or might not get back to you with a quote.
You then choose who to hire. It's a free service.

Bertha Said:

What can I expect when dealing with home insurance company?

We Answered:

The adjuster is an employee of the company. So, technically they "work for" the insurance company. That's where their pay check comes from.

But I suspect that you have a misunderstanding of what an insurance company is....what insurance is for. The purpose of insurance is to put you back where you were before the loss.....not better.....not worse. The adjusters job is not to give away the farm ...solve all your financial problems...but their job is also not to cheat you...or rob you blind.

The adjuster is there to help walk you through the process. Their job is to honor the contract that was made between you and the insurance company when you purchased your policy.

A fire claim is not a fast process. These claims are closely investigated. Your adjuster will be able to explain the process. However, it will not be a fast process. Ask your adjuster any questions you have. That's what they are their for.

As far as hiring someone....in some states you can hire a "public adjuster". Not ever state allows these. They don't do the paperwork...you still have to do that yourself. It's your claim. But a public adjuster can double check what the company adjuster is doing. Keep in mind.....the public adjuster can be very expensive. They are usually paid a % of your settlement. So, you can hire a public adjuster, but expect to give him 10% or more of any settlement you get. That means....you have that much less money to rebuild with. (The company adjuster does not inflate your claim to cover the cost of you hiring a public adjuster. Your claim is worth what it's worth, regardless if you have a public adjuster or not. If you hire a public adjuster...you have to pay him).