I had surgery on May 8th. At that point, I had not yet met my deductible or out of pocket max. I was told that I would owe $3,500. $150 to go towards my deductible and the remaining going towards everything else. I paid them $2000 as a deposit before the surgery leaving me with a balance of $1,500. I was told at that time that as long as everything was covered by my insurance. If at any point I met my max out of pocket, that I shouldn’t owe the hospital any more money, even if there was still a balance remaining. I also had another surgery on May 12th. I knew that between both surgeries, I would cover my out of pocket max for my insurance. I got two bills in the mail about a month later one for the first hospital for $1,500 and one for the second for about $2,000 I called my insurance and explained that I met my max out of pocket so I shouldn’t owe anything. They said they submitted claims to both hospitals and that it should be taken care of. I was still receiving bills for both hospitals so I called my insurance again and they said that the second surgery was covered and the claim was being finalized but that they weren’t seeing anything for the first surgery as far as claims go and that I needed to contact the hospital and have them give my insurance a call. I contacted the hospital and they said they would not contact my insurance because everything looks right on their end and that my insurance needs to contact them. I have since contacted both my insurance and the hospital and they are saying that the other needs to be the one to call and that “we don’t call them, they need to call us.” The only thing is that the hospital suggested that maybe I put them on a 3 way call. Anyone who knows about insurance and what I should do, please help. Also I’m sorry this is so long 😅

Recently a storm blew through and did a ton of damage in the neighborhood. Adjustor came out and declared the roof a total loss, however all said they were exploring possible negligence. Couple weeks later they declared that the could only pay for half the roof because they had pictures of roof damage 2 years ago (damage was just a dozen or so 3 tab shingles that had torn off, nothing major, which was since repaired). The next day they just deposited the money in my bank account, however I haven't signed or agreed to anything. Is it possible or worthwhile to fight this? Unfortunately I don't have a paper trail of the roof repair because a friend of mine fixed it to return a favor. I spoke with a roofing company with good reviews on Google who said they will fight it for us. That a good idea? Also reaching out to my friend to see if he has any companies he recommends.

Location: Philly, Pa Any ideas??? Back in July our dog bit our neighbor. One of the kids let the dog out, and he bit them. We knew from the jump we were going to get sued. We got a lawyer when we received a letter from theirs. They wanted our homeowners insurance info. Welp..... come to find out, ours doesn't cover animal injuries or damage. So, after a month or 2, they asked if we wanted to just settle out of court. Of course we did. They came at us with a settlement. We weren't able to get the full amount but came back to them with a lump sum right away then asked to make 2 monthly payments to settle the rest. After weeks, they declined it and we received a letter from a new attorney asking for our homeowners insurance. Ummm... we already told them we didn't have coverage. So, our lawyer was going to get with them, we paid him another retainer (ughhhh), and he told us there was nothing to do as of now until he hears something. He said he would get back to us. It's been 2 months and still have not heard anything. What is going on???? Like we were going give them exactly what they wanted. They were just playing with us I guess and now we just wait??? Any ideas on why the wait game? I just want this over with. And just in case you all want to know, we are not made of money. We have 2 kids in college and 2 little kids. We live pay check to pay check and had to get a loan to pay the lawyer and that settlement they first asked for. It was a totally misfortunate accident, we were devastated for them, and are deeply sorry. We are good people with a good family. Thanks

Hi. I have an HO3 policy with Citizens in Florida and I’m trying to understand in what situations they would actually cover water damage since the reps, my insurance agent or adjuster are not able to clarify this. I have a water damage under my flooring, but again neither the field adjuster, water mitigation company, nor the leak detection specialist have been able to find the exact source of the leak. Insurance wants to send out an inspector who I assume would work in their favor. I’m trying to prepare in case they deny my claim and I need to bring in independent specialists to help me figure it out. I have vinyl flooring installed on top of hardwood floor, and noticed a soft spot so I removed part of the vinyl and found rotten wood. I've never noticed any water on top of my flooring. From what I understand, Citizens excludes gradual leaks and seepage, but they have a clause that covers hidden water damage if it was unknown and concealed beneath floors, behind walls, or in ceilings. I’m wondering how that actually works in practice. Since there's no known active leak it must be caused by something situational, hidden or accidental spill. I'm having a hard time determining the fine prints since it gives conflicting information. I've included a few pages from my insurance declaration related to water damage in link below: https://imgur.com/a/sc50G9K Would Citizens cover situations like: - Moisture buildup under flooring due to a failed vapor or moisture barrier? - An AC leak inside the walls over time from a pipe failure or faulty installation? - Sporadic leaks from an air handler that was poorly installed? - A cracked condensate line or even a sewage pipe leaking beneath the slab? - Water spilled sometime in the past which got under the floor? Has anyone had Citizens approve a claim for something like this, or did they deny it as a maintenance issue? If they did cover it, what kind of evidence did you need to provide? I want to be ready in case they push back on the claim. It's been over a month already and I am not able to get the renovations started since adjuster wants me to keep it as is for now. On top of that the adjuster wanted me to keep the damaged flooring (with mold) bagged indoors. And he also advised that we live home since the mold did not seem to be a big issue from what he was able to tell from the photos (despite water mitigation company saying that it was over 10sq ft and asked that we find temporary stay since we have a small child until they send a higienist, which they did not get an approval for from adjuster)... I would really appreciate your help. Thanks

I am low income and know others in same position who use Key Insurance Company. I usually pay on the due date (no grace period) as my disability arrives a few days before due date. I went to pay online and you couldn't. A lengthy statement covered web page stating company in rehabilitation. No policies (they are month to month) would be renewed nor new policies issued.Statement dates 3/3/2025. I saw it evening of 3/8 as it is due by 3/10 I had two days to find new insurance at a price I could afford. I alerted two others I knew used Key, and they did the mad scramble to get new insurance. One didn't make it and that's a $250 fine from DMV. We were given no notice. I am sure many others didn't make it or are paying too much in their rush. Do you think we can sue for lack of notice?

I have an Amex Hilton rewards Diamond membership. I had to spend over 13K to receive certain rewards like a free room. We’re not rich, by any means, it took a long time to build up to a free room. It was my sons birthday so I called the local Hilton to see if we booked a room if we could have small party for him at the pool area and invite a few guests. They were very nice and accommodating and said absolutely and even offered for us to use their fire pit and grill as well. A week later we booked the room and went to the hotel to ask if we could see it to get an idea of sleeping arrangements. They said they couldn’t at the time. Ok, no problem, so we left. The day before our stay we got an email to choose our room and noticed the room wasn’t what I thought it was. Being a Diamond member we’re entitled to free upgrades that are available, and have always been treated kindly about that. Not at this hotel. I called Hilton cust serv line and they said they tried to get the upgrade but sounded like they’d had a problem with the hotel, and advised I try to speak to them myself. They were super nice about it, but I could tell the cs agent was frazzled after speaking with the hotel. I called the hotel and once the front desk accessed my acct and saw the free room, her attitude became awful! I am a calm steady person from years of customer service, so I didn’t feed into her snarky behavior. I felt she was lying about not having an upgraded room avail. So I called and spoke with the GM. I complained to her about the previous convo with her front desk agent and asked that she looked into it. Well, She was worse! She began saying we couldn’t have a party unless all guests were registered to our room and began changing our agreements. I told her it was no problem, we can add them on to our room, there were only a couple of teens coming, so it would’ve worked out ok. Our room could fit 6, and we only had 6 people. But She didn’t offer to do that nor did she ask if we were ok with the room. She just said this is a free room and it sounds like we cannot accommodate you here and that she was cancelling our room. We were 2 hours from the party time. I begged her not to cancel because we had guests meeting us there. She insisted she was doing it, so I told her if she did that, I would call the state attorney general because I never consented to her changing and breaking the contract. By cancelling it, it made me lose my free room. I called Hilton and asked for their district managers number. They said I’d have to call the hotel to get it. So I did and got the nasty GM again. She said because I “threatened legal action, I was banned from the property” and if I step foot there they’d call Georgia patrol. I was absolutely floored! I kept my cool and never said anything for her to go that far. I tried to do everything the correct way… asking to have the party beforehand instead of sneaking people in, tried to see the room beforehand, tried to use my diamond status to work through a misunderstanding instead of raising cane.. etc. There was no reason for her to do that. My son was looking forward to having his friends there for his birthday. I had 3 hours to call parents and make new arrangements. It turned out that the teens just wanted to ride bikes all day and barely would’ve even used the hotel. We didn’t need it after all. But I’d like to have my free room back and be removed from their “do not rent” list. Thinking about it now, I believe they just didn’t want to rent to people who use their free room. What advice would you give me? Should I file the complaint with the state Atty general or let Amex do it? Or something else all together?

Is it even legal for Healthy Paws pet insurance to increase premiums at almost 200% in CA? This is outrageously high!! Anyone experiencing the same? #healthypawspetinsurance

My basement flooded this week with 5 inches of water. We have had a lot of rain. The sump pump appears to have given out and the backup sump pump didn't kick on. This has not fully been confirmed as the reason for the water because when the plumbers arrived the pit was only 2/3 full and water wasn't flowing out. BUT we have not been able to identify another cause or factor for the flood. The plumber mentioned that it could be due to malfunctioning drain tiles. We had an inspection and it was confirmed our house does not have drain tiles. We have insurance through All State and our policy states the following is **not included.** > Water or any other substance overflows from a sump pump, sump pump well or other system designed for the removal of subsurface water which is drained from a foundation area of a structure. I don't think there is much room for negotiating coverage with All State, but posting here because I am **desperate**. Does anyone have advice on what I can look into or how to try get this covered? The assessor is scheduled to come in 2 days and trying to get a case out together. TY!

Firstly I appreciate any insight into this matter as it can be a minefield I know! I’m looking to insure myself (m34) and partners (f30) 4 vehicles, we reside on a non working farm in West Yorkshire but will soon be moving to a similar setup in north wales. Could anyone recommend a solid company to go with please? Also open to the possibility of becoming a Ltd company once we move as we will be running a small business from the farm if that helps the situation at all. we have dealt with aviva in the past and they have always been a struggle when it comes to claims. Thanks 🙏

We first joined at around $30 but it is now $150 just 3 years later! While I appreciate that they respond through email, will make up reasons for care reimbursement rejection - and they don't seem to have a transparent appeal process!