Filed a water damage claim in 2024 and a theft claim this year. Now my insurance company is non-renewing my policy saying "excessive claims history." Two claims in 3 years is excessive? Am I not...
Just closed my first homeowners claim (wind damage to roof and fence). Whole process took 4 months. Here's what I wish someone had told me: 1. The first offer is ALWAYS low. They offered $3,200, my...
Had a planned surgery at an in-network hospital. Verified everything with insurance beforehand. Surgery went fine. Then got a $9,200 bill from the anesthesiologist who was apparently out of network. I...
Got hit by another driver, their fault, filed through their insurance. They approved a rental car... for 7 days. My car took 6 weeks to repair because of parts delays. After 7 days they cut off the...
A pipe burst in our basement last night and theres about 2 inches of standing water. Never dealt with anything like this before. Before I start cleaning up, what should I document? Photos? Videos?...
People keep telling me my insurance company is acting in bad faith but im not sure what that legally means. They denied my claim, gave vague reasons, and the adjuster has been impossible to reach. Is...
My orthopedic surgeon recommended knee surgery. Submitted prior auth and insurance denied it saying I need to try 6 more weeks of physical therapy first. Ive ALREADY done 12 weeks of PT with no...
Doctor prescribed a medication my insurance classified as Tier 4 ($800/month copay). Doctor filed a tier exception request explaining why the lower tier alternatives dont work for me (Ive tried three...
My insurance covers mental health but every single claim from my therapist gets denied. First they said she wasnt in network (she is, I verified). Then they said the diagnosis code was wrong. Then...
Nobody reads their policy until they need it. Here are the sections that actually matter: Declarations page - your coverage limits, deductibles, and whats insured. This is page 1-2 and the most...
Filed a water damage claim 3 weeks ago. Nobody has contacted me. I call every few days and get put on hold forever then told "its being processed." Meanwhile my kitchen floor is still ripped up and I...
Got my homeowners renewal notice. Premium went from $1,800/year to $2,520. A 40% increase. I have NEVER filed a claim. Not once in 12 years. Called my agent and she said "its market conditions,...
Rock hit my windshield on the highway. Called Safelite through my insurance app. They came to my office parking lot the next day. Replaced the windshield in 45 minutes. Cost me $0 because my state...
Had a covered water damage claim and during repairs the contractor found mold behind the walls. Insurance is now saying mold remediation isnt covered under my policy and its a separate issue. But the...
Insurance adjuster for 15 years here (recently retired). These are the coverages people skip to save money and then regret it: 1. Uninsured/Underinsured Motorist - so many drivers have no insurance....
After going through multiple claims, here are the tools that made the biggest difference: 1. Encircle app - for contents inventory. Walk through your house recording everything on video and it helps...
Went to the ER with severe chest pain. Turns out it was a panic attack, not a heart attack. Now my insurance denied the claim saying the visit "did not meet the criteria for emergency care." How was I...
We had a major hailstorm last month that tore up our roof. Filed a claim, adjuster came out, and now theyre saying the damage was "pre-existing wear and tear." The roof is only 8 years old and was in...
Got hit by someone who ran a red light. Police report clearly shows the other driver at fault. I have full coverage on my car. Do I file through my insurance and let them subrogate? Or go through the...
Insurance adjuster estimated $11,000 for storm damage repairs. Seemed low but I didnt know what to compare it to. Got three contractor estimates. All came in between $30,000 and $36,000. The insurance...