I have had a commercial policy with the same carrier for 13 years under my ownership, but as far as I know my parents and grandparents have used the same carrier since the 1970s. Does this matter? Is a claim a claim and you get dropped or treated the same as anyone else that just signed on with them last year? I called my carrier and wanted to talk to my underwriter to verify my agent is actually trying to implement the changes i have asked for. In the past my last broker lied to me about putting in for higher fire coverage, and how I caught them was by calling my underwriter. This time when I called I got someone in member services but she wouldn't transfer me and was super passive aggressive, laughed at me etc. I want to actually use a company that's not hostile to me trying to verify if my agent is actually doing what they say. Long story short after what I believe is 49 years with one company I want to know if it's worth staying or if it matters?

As the title says I'm in a little bit of a rough spot, and am looking for some outside advice. I moved across country for a better paying job and saved up for a house. After putting over 50k down on a house priced at 240 with about an acre of land. I thought I did okay, I knew the house was a little older and would need some updating but I thought I was saving money in the long run and that it would be a good investment considering the area. Went through a realtor, had the house inspected, did all the normal things. But immediately things went wrong. Within two weeks of owning the house, the detached garage had a major leak and I had to get the roof replaced. The inspector refunded us our money but said that he wasn't liable beyond that. Several lawyers told me there wasn't a good chance I'd get anything and it would just be cheaper to eat the cost of the roof. So I did. Had to replace almost every appliance and toilet in the home because they all started to fall apart within the first six months. Again just figured it was my bad luck and there wasn't anything I could do. Fast forward to a month ago and just before the year anniversary of buying the home, the entire finished basement flooded. Insurance said since it was ground water that it wasn't covered. Turns out there were some big foundation issues that I have now spent over 20 grand to fix. Again insurance said that foundational issues are considered " normal wear and tear" and so not covered. After starting the repair process on that I've discovered a whole slew of other issues with the home that was hidden behind finished walls. And with my never ending good luck, I had a gas leak in my furnace that I found the other morning. I have turned the gas off to the furnace until I can get someone to repair it. The problem is I am already well over 100k cash into this house and I've only had it a year. Idk how much longer I can keep this up considering I'm basically bled dry and I haven't even fixed anything beyond the foundation yet. The wife wants to sell the house after we fix it all up and just get out, but I'm worried that we won't recoup anywhere close to what we have in and will be stuck back in apartments again. I'm not sure what to do or how to move past this place. Has anyone been in similar situations? Is there light at the end of this tunnel or should I bail and just accept the loss of all that money? Any advice would be appreciated

Never use Healthy Paws Pet Insurance. Period. I’ve been with this company for eight years. In that time, I’ve filed maybe one or two claims, receiving around $400 total in reimbursements. Meanwhile, I’ve been paying monthly premiums that started around $50–$60, gradually increased to $80, and just this week, jumped to $200 per month for both my cats. One cat’s premium alone went from $50 to $125 overnight. That is completely outrageous — especially considering both of my cats are in perfect health, no chronic conditions, and have had regular checkups, blood work, and clean bills of health. When I called Healthy Paws to ask what on earth is going on, the rep could not have cared less. There was no concern, no explanation that made sense, and zero willingness to help. It was clear: they’re just taking money from loyal customers who rarely file claims, and they don’t care. Over the past 7–8 years, I’ve thrown away nearly $7,000 for what? To be blindsided with a 150% rate increase and treated like a number when I asked for help? This company is unethical, greedy, and not here for pet owners. If you’re shopping for pet insurance, I beg you: do not go with Healthy Paws. They do not deserve your business, and they certainly don’t deserve your

Looking for advice on what my options are. I'm on a high school teacher salary and never had to seek out an attorney for any reason. Location: Oklahoma Long story short: My home & small piece of land are on 2 parcels that were purchased together. In late 2023 l received notices from the county that my taxes weren't paid. I called my mortgage company since they're the ones that have been paying them each of the previous years we've owned this house with no issues. I got another letter from the county in 2024. I called mortgage company and let them know it happened again. They said we're on it. I left the country for work for 4 months while my wife and kids stayed behind. While I was overseas we got another letter saying my property would go up for auction if taxes aren't paid. My wife called mortgage company again, they say they're going to get it taken care of, not sure what the issue is, but they're on it though. Right before I come home, my wife gets a letter from the county that our property was auctioned off and we have 1 year to appeal the sale. It was only one of the 2 parcels we own that got sold off - a .5 acre plot that's basically my front yard all the way down to the road. After back & forth with county and mortgage co. we found out the issue was that the actual mortgage paperwork that we signed does not list both parcel numbers. We owned both parcels according to the county, but the bank said oh, well we only paid for the taxes listed on the mortgage you signed, not our problem. Problem for them is, the descriptive measurements in the paperwork include both parcels, they just forgot to type both parcel numbers in. Mortgage co. admits fault. We get a letter from them saying that they messed up and are fixing it. Haven't heard anything in a while so called today and was told the last thing written in the notes for my account are from a few months ago that said the company was trying to purchase the property back from the person that bought it at auction. I'm waiting for a response from someone else higher up, but I feel like they're intentionally dragging their feet to get to the 1-year point where nothing can be done. I don't need the "why didn't you just pay it yourself, you're equally at fault" response. I was in Germany and that's neither here nor there; the ultimate point is that the bank admitted it's their fault and are trying to buy it back but it's been almost 5 months and no progress. What are my options that I need to be finding a quality attorney for?

Hi all, (Reposting because I didn't know how to format) TL;DR: Insurance denying approximately 40K worth of costs (approved line items, just more expensive in the region than their estimate), went to appraisal with adjusters, umpire selected, month later learn that insurance company is now represented by lawyers. We experienced a water damage claim impacting a 3-story townhouse, all continuous wood flooring, walls, and kitchen cabinets, counter, backsplash, with Traveler's in Dec 2023. We are located in King County, Washington; the house is built into a slope not directly accessible to the street and is stand-alone (no shared walls) on a plot with 3 other homes. My initial quotes from contractors up to 100K. I went with a contractor who quoted around 80K, good guy. Escalated through several Traveler's adjusters in Winter 2024 until an adjuster came in person in late Winter and agreed with our contractor and the work moved forward. The insurance company adjuster recognized that the costs were going to be pretty high and was working well with our contractor, it seemed. I handled cabinets, backsplash, and counters directly with a subcontractor and my contractor handled drywall, paint, flooring, pack-out and move in, and more. I got approval from insurance adjuster along the way and ended up getting approval for all of the kitchen work, fully covered, around 33K. Due to delays from Travelers and subcontractors, with materials being hard to come by, our kitchen floor was unfinished with nails sticking out until May 2024. We wanted to keep things moving and settled on cheaper flooring than an exact match that was available sooner than the Fall, so we moved out in May (I had gotten approval for housing costs in early May from insurance for several weeks). Then, for whatever reason, their adjuster stopped responding to my contractor for a few weeks in, approximately, late-May and June. The flooring and painting work was finally done and the cabinetry, counters, etc. mostly got done in mid-late July. The work was mostly completed by August except for a few small things. The final costs of the new installation of cabinets, counters, backsplash in the kitchen, which I had handled and which had been covered, was approximately 33K which has all been paid out and completed. Mitigation was done for 6.6K with a separate company. The remainder of the tear down, pack out, dry wall, painting, flooring, cleaning, plumbing, electrical, etc., onwards from my contractor ended up being 105K. With the previous adjuster, the claim was sitting around 70k estimate from the insurance side with an expectation that it would go up conveyed verbally with their adjuster several times. In this period, since the insurance adjuster had stopped responding, my contractor had reached out directly to Traveler's. At some point a new adjuster was assigned and then, in June/July, the case was passed through, I believe, 3 more adjusters. The final adjuster basically went through and wrapped up the claim, including recoverable depreciation, but didn't really acknowledge the actual costs of the materials, labor, compared to their estimate and essentially closed the claim at approximately 95K total, which included mitigation, kitchen, and the contractor's work. That left a gap of approximately 40K still due to my contractor. After a month or so of back and forth, we agreed with the final insurance adjuster, to go to appraisal in November. We selected an adjuster. It seems that nothing was happening for several weeks and then eventually Travelers selected their adjuster and he actually came to inspect the house in December. Then per our adjuster, unable to be reached/unresponsive for several weeks. Once they did get into contact and went back and forth in late February, they finally agreed on an umpire. Then, out of nowhere, in mid-March, the third party adjuster representing Travelers informed our adjuster that Traveler's had assigned or hired lawyers to handle this claim and they were no longer continuing the appraisal as previously agreed upon. Here is the policy language regarding appraisal: ...7. Appraisal. If you and we fail to agree on the amount of loss, either party may demand an appraisal of the loss. In this event, each party will choose a competent and impartial appraiser within 20 days after receiving a written request from the other. The two appraisers will choose an umpire. If they cannot agree upon an umpire within 15 days, you or we may request that the choice be made by a judge of a court of record in the state where the “residence premises” is located. The appraisers will separately set the amount of loss. If the appraisers submit a report of an agreement to us, the amount agreed upon will be the amount of loss. If they fail to agree, they will submit their differences to the umpire. A decision agreed to by any two will set the amount of loss. Each party will: a. Pay its own appraiser; and b. Bear the other expenses of the appraisal and umpire equally. My question is - why did Travelers go with attorneys after there was an umpire selected? - Could it be something as simple as the timeline being so protracted? We have emails showing the umpire was agreed upon a month ago. - I am concerned that, as I see in this community, our adjuster was filling the costs to try to get a better negotiating position... Not sure if that would play into this...? - The work was expensive and challenging to complete but there are no line items that were not previously approved - they just cost more than what the insurance company estimated. I have not heard anything directly from Travelers. My contractor has been wrecked in this process, it's been tough for me as well. The idea that we need to face an attorney is rough. Appreciate anyone's insights or guidance! TL;DR: Insurance denying approximately 40K worth of costs (approved line items, just more expensive in the region than their estimate), went to appraisal with adjusters, umpire selected, month later learn that insurance company is now represented by lawyers.

I had signed up for trupanion pet insurance after reading good reviews. Now my dog had a CCL rupture and needs surgery. They refused to cover ANY costs because they classified limping as a pre-existing illness. After my vet send them a lengthy letter (as seen in picture) they STILL denied coverage saying they do not cover any CCL injuries that occur within 18 MONTHS!!!!!! Absolute waste of time and money. My vet hates them too. Have cancelled my subscription.

So I did away with my previous wellness plans and went with Metlife insurance. At first they were great approving regular visits quickly and I was reimbursed quickly. But I've noticed since before December now they take extremely long to even assign the claims and then review them. It always seems like I have to reach out to them in which they always need the Doctors notes before they will approve anything. My pupps have gotten ear infections, ruptured glands, and upset stomach with diarrhea this year and it has taken several weeks and phone calls to get the claim processed and a couple I am still waiting on. So I am thinking of canceling them. Would love recommendations of a better company with a better app as well.

My mom was checking her and dad's bank statements and for some reason they're being charged by First Enroll but mom says that that isn't the insurance company they use. Any clue why this would be happening? Is some type of scam or fraud? Just so you know, I know almost nothing about how insurance works so sorry if I seem stupid.

Hello, So Just to give some background my Experian score is 667 and I'm looking for a Heloc or Home Equity loan of about 35k. I make about 60k a year. In 2020 I had 2 late mortgage payments due to covid before I found out about the mortgage forbearance which I then signed up for, however the mortgage forbearance now shows up as ND on my credit report. I tried a local credit union who denied me based on the late payments. I am currently working with AmeriSave but they are saying that the ND on my credit report have to be explained. I contacted my current mortgage lender to request documents for that but I don't know how long that will take. Any advice on what else I can do in this situation?