When you are injured in an accident or at someone’s home, the insurance company is going to tell you that they cannot settle your claim without your medical bills and records. And, for once, they are right. Yes, I said…
Posts Categorized In: Homeowners Insurance
Reservation of Rights: What does it mean?
Sometimes you will hear an insurance adjuster tell you that he/she is going to send you a reservation of rights letter. It is a fancy name for a really long letter (at least the well written ones are good!). But…
Homeowners Left on Their Own After Floods
Apparently, but not surprisingly, insurance companies are now fighting with northern Californians over paying flood claims out of this month’s flood. The complaints seem to be falling on deaf ears, although our esteemed insurance comissioner is now drafting regulations requiring…
So Your Dog Gets Out and Someone Runs Away And Falls – Now What?
Yes, as funny as it sounds, it happens. People’s dogs do get out and chase people – usually little kids. The dog runs, some kid turns and runs away and falls or runs into a parked car. The dog then…
Identity Theft Insurance Revisited
KCRA channel 3 in Sacramento is reporting now on identity theft insurance. They are reporting on a Consumers Union article that concludes that this is one of the ten insurance policies you do not need. Great. Thanks. Of course, this…
Creating a Free Inventory of Your Contents
I came across this today and found it interesting. The Insurance Information Network of California is offering a free program to help you inventory the contents of your house. According to them, the benefits of a home inventory are: –…
Dogs and Accidents – Who pays when Rover is hit by Land Rover?
I have probably handled 100 or so claims where a dog escapes from a house or yard. The dog runs into the street. A car, not seeing the dog, or seeing the dog and not caring, drives up and BAM!…
Whose Fence is it?
In California, we have these nice fences that run between the homes in many subdivisions. They are usually 6′ redwood or cedar and they give you some privacy. This is especially nice because some of the homes are pretty close…
The Floods of Northern California
The flood waters of this year have subsided – for now. However, flood insurance is still on everyone’s mind. Let me first give you some links to stories you should read: The SF Chronicle reports on problems small businesses are…
Mandatory Dog Insurance
Yes, mandatory dog insurance. Okay, not here, but in Austria. Here is the story, courtesy of Newsmax: Ouch! Viennese city authorities are putting the bite on the Austrian capital city’s new dog owners starting next week. From Jan. 1, liability…