Very long story short, condo had a water leak 4 months ago. My homeowners insurance says that based on the HOA bylaws, the HOA is responsible for the damage. HOA is saying the opposite. So I’m at a stalemate. What do I do? I’m assuming an attorney is my next step but who pays those legal fees if I win? Condo is in South Carolina if that matters. To make it more complicated, my insurance sent in water mitigation contractors that completely ripped my kitchen out. They did this before asking me for a copy of the HOA policy and determining they’re not responsible for yet it was their contractor that came in. Now I have no kitchen and both parties saying they’re not responsible. Ugh.

Their advertising is downright misleading. Your premium does not go up as your dog ages. Sure, it does not, they find other mumbo jumbo to achieve the same thing. My premium has gone up 40% over the first two years (our boy was signed up as soon as we brought him home). Before deciding on Trupanion I did fairly extensive modeling based on real time quotes from them and their competitors. Trupanion came marginally ahead IN THE LONG TERM despite having substantially higher upfront premiums. The price increases I have experienced make the previous analysis null and void. I am looking for an alternative. Could people. With long term experience (ideally senior dogs) comment on possible alternatives? Thanks

I decided to give it a try but after downloading the app and reading the permissions and tracking that clicking "I accept" will give State Farm - I just can't do it! = Uninstalled! They can keep their 10% discount! If you start reading what you're agreeing to, you are giving State Farm access to EVERYTHING and I mean EVERYTHING on your phone including access to your Google accounts, text messages, photos, (24 hours a day 7 days a week whether you are driving or not). You are also giving them permission to do things "on your behalf" (meaning you will be financially liable), like calling a wrecker if the app thinks you've had an accident. I read enough to decide that it's not for me!

UPDATE: they finally replied and sent me another link to update payment + the portal access link. Unsure what I did.. I guess since payment was involved, they prioritised? Anyway now I can look at my plan, submit a claim, etc. And they said the Comms would improve in the coming weeks. Staying with them bec the premiums were the most affordable with them. I've seen posts about odie this year but writing about my situation in case anyone has also faced it. To the people who got transferred over - have you received your welcome email? My policy renewed on the 2nd of January, and I never received a welcome email. I had to take my cat to the vet and got a 1k bill. There's no place to submit a claim. Nobody is replying to my emails. And on top of that, I received an email today saying my payment didn't go through with a link to update - BUT THE LINK WAS EXPIRED!! The audacity to ask me for a payment when I have literally no info and no reply from this company. Nobody picks up the phone. And if the payment doesn't go through, the policy will lapse and that will leave my cat without insurance which is soooo frustrating!!! Has everyone else gotten their account setup emails?? Or even received a response over email?? Their voicemail message says if you email multiple times it will delay the response even more so I'm scared to write them again and again. Advice??

Hello, I doubt I can do anything about this but I'll ask anyway. My broker automatically froze my account yesterday because I supposedly made a large amount of orders (less than 10 a day on average). The average of those orders were positive so I'm unsure why the amount matters, not like i was losing money. I had an ongoing call that I was keeping waiting (hoping) for the price to go up and placing puts as the price was decreasing, so i was slowly making back the unrealised loss (and I did more than make up for it before tariff struck). Anyway, yesterday I tried to place a put but noticed my account was frozen, asked why and the help center told me the reason above and that it was there to protect me. Anyway, tariff happened today so the earlier mentioned call escalated in price which triggered their automatic order closure when the account reaches 25% of its value. Since my account was frozen i was unable to place a put to stop the fall in price and such. They did prevent me from placing a put just before the tariff struck yesterday, and while it was happening. So i was wondering if I could ask them for any sort of compensations or if I should cry. the broker is trading 212 just in case. Location: France

Has anyone done the PTIT program recently? I got a citation for suspended registration in January and my court date is next week. Today I got a post card in the mail saying my case might be eligible for PTIT. This is my first ticket/citation ever in life so I’m just not sure what to do. My registration was suspended at the fault of my insurance company. In October 2024 I switched from Progressive to Geico and Geico never reported my new insurance to the state so I was unaware I had been driving with suspended registration since about October 2024. I have since called my insurance company to have them report it and make everything right. My registration has been restored and fees waived. The officer told me on site that if I just call and have them do this I wouldn’t have to appear. I called the court today and they told me I still had to come despite what the officer told me on the stop. Should I consider PTIT? I think this may be a program only in Atlanta, but I’m not sure. Should I see a judge and provide my documents and hope they throw it out? I just don’t want any points on my license or charges against me so I’m not sure what to do. With PTIT do I pay same day I go to court? How does all this work

I applied for a comenity card through Forever21 (big mistake). I had a total debt of $300 dollars on that account. The customer representative took down the wrong address and name so I never received a physical credit card resulting in not being able to make the payment. I had to leave country for a month and I couldn’t receive any calls from comenity resulting in a 60 days late payment. My credit score plummeted from 715 to 533 (Feb 2024). I am trying to get my credit score up. Despite my $2000 spending every month on my Amex card, my credit score has gone up to 581. I moved to US in 2022 so I don’t have a long payment history. What are my options here? Should I contact comenity? Or should I try to contact Transunion? I’m worried that I will get not get an apartment now that my lease is coming to an end.

Well, I guess im late to finding out my coverage dropped from 90% to 50% i had been doing claims due to my dog having multiple TPLO surgeries and find out ny nost recent one only got covered 50%. Pretty annoyed. My dog is 8 and already is through most of the surgeries but does have a neurological issue. Im looking to get a new policy somewhere and would love recommendations.

Hi all! I have a 13 year old German shepherd mix Pitbull grandpa baby with no pre existing conditions. I took him to the vet recently and it looks like he may have signs of arthritis at his back legs. Aside from that he is relatively healthy and has a few years strong(hopefully) My question is whether to continue my current insurance with nationwide or switch to something relatively cheaper/better or stash cash. I recently used it for his visit and they only covered 70 % of the visit, vaccine was not included and I have a 250 deductible. My premium is about 200 a month. My family and I think aside from emergencies and possible end of life care we’re not sure if the premium is worth it. Any advice is deeply appreciated!

I live in Texas and have seen the reports about BCBS. I have Aetna insurance, purchased through Marketplace, and today I found out that my primary care provider, physical therapy, and pain management specialist are no longer in-network although they were a week ago. My PCP did not even know that the contract with Aetna was no longer valid - she found out while trying to set up a referral for me. Is this a fluke or is something bigger going on with Marketplace insurance?