On July 31, I saw a steady ream of water coming out of my ceiling! Coming from the bathroom upstairs and even going down to my basement! Long story short after checking though pipes, and doing my own investigation I cannot, CANNOT find a cause. Only thing I can maybe think of is one of the children flooding the bathroom and hasn’t told me. I’m a mess, I’m a single mom of two hardly getting by and a giant mess and so many things destroyed I CANNOT pay for this out of pocket, will this be covered by my insurance if it was my child at fault who’s yet to claim blame?

my car was stolen 2 weeks ago and the insurance company is considering it a total loss. this is fine, but they are offering me 13500 for my 2019 subaru 2.i0 premium sedan with roughly 91000 miles. it had 3 month old tires and a new battery. the issue im running in to is there are 0 of this car available within 150 miles of me with similar milleage. but when i look nationally it is showing they are shorting me about 2000, which would pay off my loan. im afraid getting an adjuster involved will cost me too much and not be worth it. any advice for fighting their appraisal? they couldnt do a fully accurate appraisal because they dont have the car. i asked to see their comparables, because if theres nothing local what are they comparing it to?

So I had an HSA with H.E. sponsored by my last job, closed it when I left that job. At a new job. Enrolled in their HSA program. HealthEquity has yet to populate my new HSA account or the contributions I've made so far. It doesn't show up in my member portal. I still see my account with previous employer listed in historical. My question is: does each employer make their own sponsored HSA account in my member portal or do all employers just take over the existing "personal" account when I leave a job? I thought every new job would open a new HSA, but now I don't know since I'm having these issues.

Good morning. I work for the State of Florida as a probation officer. Back in August of 2024, I was forced to utilize my personal vehicle for State purposed due to unavailability of a state vehicle. While conducting curfew checks at 5am in the morning, a stray dog ran out in front of me and I was unable to stop. Aside from the psychological damage caused by this being an animal lover, my vehicle sustained several thousand dollars of damage. Luckily I had decent insurance and my comprehensive deductible was 500. Prior to filing a claim with my insurance, I inquired about the damages being covered by my employer or their insurance coverage and was told I'd have to pay myself. I filed with my own coverage. I later found policy and procedure that states you can be reimbursed a max of 600 for damage in such a situation. I filed the proper paperwork with the powers that be and waited. After the body shop and getting everything together I filed in November of 2024. Fast forward to February when I inquired what was going on i was given the claim number with department of financial services. They stated they would only pay on claims where I damaged someone else's property while using my vehicle for State business. I contacted the Florida police Benevolent Association as I am a member and they investigated but wound up telling me they can not assist, despite their contract with my employer stating articles, statues etc that cover me for reimbursement. I contacted my insurance regarding possible subrogration with my employers carrier but I was told this is not possible on a comprehensive claim. I know it may not seem like a lot, but I'd definitely like to be made whole on my 500 deductible. Any advice would be greatly appreciated. Thank you. Additional info on statutes etc: Its article 19 in the Florida pba contract with Security Services Unit of Florida Department of Corrections. Additionally items or statues listed are aca/cac standards 5-aci-3a-27 and Florida statute section 944.0611.

Currently have metlife and i’m not happy. I pay $100/month for 3 of my cats. Theyve been putting me through hell & back for MONTHS over a claim I submitted for a $12 medication that will only go towards my $500 deductible anyway, every few weeks they ask me for more paperwork and information, now they want a handwritten letter from my vet explaining WHY my cat needs this medication. It’s always something new and im over it atp and realize if something ever major happens to my cat are they even gonna cover it? cause it soundd like not and i’m wasting my money.

I was following up with Humana dental for a denial of a filling of $482 The filling was on a tooth that had a partial crown that fell off and had to be recemented. Their policy now is if you have a tooth with any type of crown; full, partial, or onlay, no matter how old, they will not cover a filling in the same tooth.

Every six months I get a big envelope from Statefarm with all my car insurance details and prices. It also comes with a bunch of small booklets, think they are called "endorsements". Anyways the one I got said I would owe around $350 . It also says "This is not a bill". Now today I got my bill electronically. But it says I owe $450+. Unfortunately, I recycled the original paper bill that said I should owe $350. Was that $350 likely for some shorter duration? I did remove something from my insurance a few weeks ago so maybe they sent me some pro-rated amounts?

I got hit by a car last summer in NYS and was told by my lawyer that they’d reimburse for taxis (up to $25/day) and personal help needed around the home and stuff. I kept all my receipts including for things like a walker, shoe lift, etc (I only got crutches through the doctor). Now the insurance company won’t reimburse any of it because they said: 1- they only cover taxis to doctors appointments 2- they don’t cover laundry because that is “personal” 3- they won’t cover any medical things because I didn’t have a prescription for them. These probably are the rules and I’m mad that my lawyer didn’t actually tell me this before and told me the opposite because I probably could have gotten a prescription for those items. But I want to make sure.

Idk but this happened nung January pa this year, but I have come to notice that yung mga agents nila sa malls (esp sa SM) are not working professionally. I get that gusto nila makabenta pero di naman tama yung 'tactics' nila. Kaya napagkakamalan silang scam eh. Well my personal experience, would say parang na scam nako. May babaeng lumapit claiming na may ibibigay daw silang prize if sasali ako sa "raffle" kuno nila, makikipag usap tapos pupuriin pa then the next thing I know is papuntahin ako sa office since kukunin ko daw yung prize without knowing na dito na mag sisimula yung kalbaryo ko. May FA na kumausap, mag bibigay ng advise or whatever. Ako naman, I thought nag mamarket lang, umabot kami ng 45 minutes don then yun na pala, ipa aavail na ng policy nila. I declined first, sabi ko "your agent said na di kayohihingi ng kahit anong money or what, so bakit kailangan kong bumili ng policy niyo?" Nagalit pa yung FA, inulit yung mga sinabi kanina. Ang ending napabayad ako ng about 9k good for three months na yun. Nakakbweset lang kasi bakit kailangan mang linlang, and bakit may pamwersa sa mga tao kung tatanggi. If you're a professional, you would not get mad at someone saying "AYOKO", and in the first place dapat di na kayo nag sinungaling na wala kaming babayarang kahit na ano. - just a rant lang, nag lapse na yung policy ko since di ko na tinuloy yung pag hulog, sana napakain nila mga pamilya nila sa 9k na kinuha nila.

A few weeks ago, my car was hit in my workplace parking lot here in Minnesota. I made a police report and got security footage of the incident. While the footage didn’t directly show the other car making contact, one angle captured the only vehicle near mine, and another angle showed my car rocking from the impact. The police reviewed the footage and agreed that the vehicle likely hit me but noted that we needed to identify the specific car since we didn’t have a license plate. Fortunately, since this happened at my workplace, we were able to find a matching vehicle based on make, model, decals, and wheels. Upon inspecting the suspected car, it had scratches exactly where the damage on my car lined up. While I understand this is circumstantial evidence, it strongly suggests that this is the car that hit me. I filed a claim with their insurance (State Farm) and provided all the evidence. However, I’ve been calling every other day for updates, and State Farm keeps telling me they haven’t been able to reach their policyholder. At this point, I’m stuck waiting with no progress. I’m considering small claims court, but that’s really a last resort since I work with this person, and they’re actually my cubicle neighbor. I’d prefer to resolve this through insurance if possible. For those who have dealt with similar situations—what are my options? Is there anything else I can do to move the claim forward?