For context, this is in reference to a claim with American Family homeowners policy in AZ. Long story short, we had a claim for our shower 6 months ago. Contractor gave estimate for $8700 (ish) and I was paid $7700 (ish). Our responsibility is our $1000 deductible. Our contractor is auditing our account to make sure our final bill is correct and he’s saying that O&P was only included on a few line items and not all of the line items. He thinks we are owed more money because it wasn’t properly calculated. The adjuster is saying that O&P is only paid when 3 or more trades are used and we had more than 3, but somehow there is a disconnect and the adjuster is stonewalling him. I don’t know how to approach this situation. We’ve used this contractor before on a previous claim years prior so I trust him and his expertise about insurance claims and what’s “right” and not fraud. And if this is how he deals with other claims, how is it that American family is causing such a headache? I just don’t know what to do. He also thinks that if he was dealing with an experienced adjuster this wouldn’t even have been a discussion and it would have been handled correctly. Any insight would be great. Thank you.

so I think the title explains it clear enough got a info in the mail me and my mom share a policy because i'm 19 and from my knowledge its pretty hard to get one note says "we are kicking you off on the 8th because you are doing deliveries" I am not doing deliveries I was in my previous car but I didn't even have that car insured with them and i literally told noone i was, along w the fact that the insurance company i used when I was doing deliveries has gone down under I had to switch and it was a totally separate thing and I haven't done any food deliveries since getting my new car since its a 350z lowered and its practically impossible to do them, so me and mom call agent and agent says "idk it just says you are there is nothing you can do your just going to get kicked off"? need advice in general, and just general questions, why can't I just send them proof that i haven't 2nd question where am I going to get insurance at 19 now

Had 2 roofing companies come and inspect the roof for hail damage, and they both claimed there is hail damage. However, Allstate insurance denied the claim, saying there is 0 hail damage. I sent the report from roofing companies, but they deny it's due to hail. I tried requesting a different adjuster, but Allstate won't budge. Any recommendations on how to proceed with insurance? I have heard I need to hire a public adjuster. Is there a certified inspection I can do that has more value than a roofer's? This is in texas.

I had horrible customer service experiences with United Healthcare this past week. Horrible enough that I want to send a complaint to the appropriate people. I have unsuccessfully searched all over for an email address - I can't stand the thought of another phone call with them. Does anyone know the email address?

So like the title says I had 2 doctor visit back to back days. One I saw the PA and the other I saw the NP. But the medical claim with my insurance says I saw the doctor. I received a bill from the clinic stating I owe an additional $76.93 for the PA and nothing additional for the NP. Both doctors are from same clinic but different specialties. I reached out to my insurance and they said it was both bill coded as me seeing the doctors. Is this correct? I reached out to the billing department of the clinic and it’s been almost 2 weeks and they haven’t gotten back to me yet. Is this correct? I paid $220.63 both times (I have a high deductible plan) I think. I don’t have a copay - I pay for everything my insurance doesn’t cover(which they don’t cover very much) If you have more questions to help answer this let me know. In the last month I’ve spent $1600 in medical and I want to make sure I’m being billed a surplus amount. Edit- I’m 29F from Texas and I’m insured through my job with UHC

Location: Tennessee My wife (German) and I (US) bought tickets from the US to Canada with Costco Travel before things got rough. My wife still has her maiden name on her passport and my last name on her green card. We have both abided by the law and have no criminal history. It is a bit scary seeing Germans and other EU citizens detained in such traumatic ways, and I do not want my wife going through the same process. We cannot get our money back as the insurance does not offer refunds and Costco cannot offer any refunds on anything but Air Canada flights, which must have an end destination in Canada. Right now, I have a few options, but I would love to see what type of risk we would be taking here if we decided to go anyway. We really can’t afford to throw away that money, and it might be the risk is rather low. 1. I am contacting the German embassy to make a statement on her passport in relation to her green card. 2. I am contacting my credit card company to see if get a refund. I know some offer travel benefits and protection. 3. Get the refund for Air Canada and use those credits for visiting my wife’s family later through Canada. The downside is I would have to buy more flight tickets in a recessionary environment. We would love to change it to a domestic trip, but is there anything I can do to get my money back or make it safer to travel to Canada and back into the US

Wondering if anybody has any advice or information they could give me I live in California and have progressive. I made a claim back in January to get a chip fixed with Safelite and that chip still turned into a full crack across my windshield my insurance went up and the deductible to get the windshield replaced was 500, so I decided not to do it Here we are now in July and I do want to get it replaced, but I don’t know if it’s better to just pay out-of-pocket or go through my insurance again with the risk of my monthly going up. Is there a way I can talk to my insurance so that my monthly payment doesn’t go up or should I just pay out-of-pocket. TIA !

I have a renters insurance claim due to a total loss from roof collapse and flooding during a storm. I sent in the inventory list (replacement cost policy) and there is about 10K in depreciation. My problem is I had $4k + (remaining after 2 weeks in a hotel and food) with loss of use but my adjuster gave me two weeks to move into a shoebox compared to a huge townhouse I had. I can’t even buy the vast amount of things I lost due to the sheer size of where I live with no storage (I have one closet compared to a whole finished basement and utility room). The list they sent with the check for actual cost is in my hands. The list is printed and huge (mine was a spreadsheet). I’m not happy. Quite frankly if I was given more time to use my loss of use (we did 2 weeks in a hotel for a permanent move) then I may have a larger place. I want my money back (replacement cost) and almost wish I negotiated a settlement. I’m not sure if that’s still possible but what’s the best route here since

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

Like many Californians, got dropped by Farmers last year and the only option was CalFAIR for our fire policy. Paid the quarterly in February online and on time, got a letter today saying that the premium “was not honored by your financial institution”. Double checked my banking app, it showed the amount was paid with no problem. The running balance on my account was around $2-3000 at that time, no way it was NSF for a $676 debit. Plus, my account has NSF protection, where if I do go over (which I haven’t in decades), money from savings is transferred into checking to cover the overdraft. Basically, impossible to be NSF. So now I get to wait on hold Monday morning for however long, and what do I say when/if I get to a real person? How do I prove this was paid? Do I call the bank first?