I feel like the obvious is “absolutely have one.” But friends and family make it feel like a total scam because they’ve had such negative experiences with every alarm company. What are your experiences with home security companies and do you feel like you got what you paid for in regards to home security? (For reference, growing up my parents always had ADT and had such a terrible experience that my dad ripped the monitor out of the wall and told the customer service rep some vulgar things about what he’d rather experience than do business with ADT again). For home security of course I’ll pay the extra price, just want to make sure it’s actually worth it and that they come through for you in the event of emergency.

Looking for advice on dealing with an insurance dispute with prior insurance company. In July 2023, a hailstorm damaged my home’s Structural Insulated Panels (SIPs) that had rolled roofing on them. Company initially agreed the panels needed replacement because rolled roofing couldn’t be reapplied per manufacturer installation guidelines. They first classified it under Ordinance or Law (ORD) coverage. Later, they changed their stance, saying it wasn’t ORD, but still wouldn’t move it under Dwelling Coverage. They paid $5k but refused to pay the remaining $8,606 for full replacement. Key points: • Manufacturer guidelines require panels to be clean and debris-free before rolled roofing can be reinstalled — which wasn’t the case after removal. • During demo, water intrusion was found. FBFS says they don’t cover “water seepage,” but there’s no proof it existed pre-storm. • Multiple adjusters were involved. Insurance company hasn’t provided their “expert” who allegedly inspected the panels. • Delays in their claim process (over 1.5 years) worsened the damage. At this point, I’m debating whether to send a letter of intent (basically putting them on notice before litigation) to try and get the $8,606 paid, or just go straight to filing a lawsuit for breach of contract/bad faith. The whole panels had to be replaced because rolled roofing couldn't be reinstalled and needing to get the roof back to pre storm condition. The water intrusion found 1.5 years later has nothing really to do with the initial insurance coverage in my opinion. Has anyone dealt with this or a similar situation? Did sending a letter of intent work, or did you have to sue to get results? Will they say fine okay it'll cost us more if we do get sued even if we win and decide to pay the $8606 instead? Next, even though they closed the claim, I'm filling another complaint with the states department of insurance.

Hi everyone, the title is basically it. I have a marketplace plan starting last year. I signed up for autopay, or so I thought. Turns out not a cent came out after the first payment. There was zero notice. They said they snail mailed me something but I'm in the process of moving and my mail comes to my parents house. Not to mention if I saw something I would have assumed it was a monthly statement and tossed it. They had my email, my phone number, i received multiple emails but not a word about my account. I have a medication I order about once a month that costs around 2-3k without insurance and I'm racking my brain to figure out if it shipped after january. TLDR - bcbs told me that my account is just termed. I cant reactivate and need to contact the marketplace. Does anyone have any advice?

I was rear ended in January and filed a claim with state farm The girl who hit me was in her fathers car which had state farm, liability coverage she has dairyland with full coverage. I am a State Farm customer (not after this) and was assured that this matter would be settled quickly. I was told by my first adjuster that my car was a total loss, since my car was newer that it would exceed her father’s liability coverage and they would open a claim with dairyland on my behalf to get the rest. They complete the estimate, do not contact me on what their assessments were and also changed my adjuster without contacting me whatsoever with my new adjusters contact information. I had to find this out on my own by calling after hearing nothing for two weeks after the estimate was complete. They said “maybe” my settlement would be 8k flat for reasons they seem to not be able to answer, they haven’t even offered me a settlement by this point. They said they valued my car at 11k. Which honestly would be a joke if it is 8k. I talked to my adjuster on Thursday and she is reading my information on my policy and for whatever reason State Farm has put that I have dairyland as my insurance on my claim. I feel at this point my claim has been handled with complete negligence and I am at a loss on what to do, I genuinely would like to move on with my life as this has caused me a lot of emotional and psychological distress. What are questions I could ask to understand this process more, or get traction with? Why would they open a claim on my behalf just to tell me to “do it myself” later on? I have never been in a wreck like this before so this is just another learning experience, but I do not feel as if my claim is being handled properly or correctly. Any advice would be appreciated, also please don’t be rude as I am already going through enough with this debacle.

Hi everyone, On March 24, I was hit on the side of my truck from an individual. This was my first ever car accident, and we are in Florida. After he hit me, we pulled over to the side of the road and instantly I had a headache and my neck was hurting. I called the local police and they asked me if anyone needed medical attention. I stated that I had a headache and my neck hurt, but I was able to drive because I was still kind of more in shock and shook up about the incident and didn’t know what to do and wanted to get out of there. Dispatch told me unless somebody needed serious medical attention to just exchange information document the accident and file it with insurance. I got the older gentleman’s information took a video and a few pictures of the crash and left. Since that day, I have been living on ibuprofen because I have one of those annoying little headaches that won’t go away. I tend to go to get some x-rays and all of that done from medical but I was just informed from State Farm that the individual who hit me does not have bodily injury coverage. Unfortunately, I work in construction and build houses and flexibility and mobility are a key to my work. I currently am sitting in my bed and took the day off because it does hurt to rotate my neck and this headache won’t seem to go away. I’m new to all of this and any advice on what I should do next would be greatly appreciated. I really don’t want to have to come out of pocket to get myself back into working condition on something that I didn’t cause in the first place. TIA!

i visited the ED back in march 2024 and ended up being placed in observation and let go the next day. i’ve been dealing with an insurance/billing issue since then. i have anthem BCBS under an employee sponsored health plan (Union Construction Workers). the hospital i visited was In Network. for some reason, the hospital is billing me around 17000$, stating that my claim was denied due to code *00897, which requests complete medical history from the member. the member being myself, so i contact my employer sponsored health plan claims specialist, and she has no idea “why they would want that [referring to medical history]” and ensures me the claim is covered and sends over the EOB. which states patient responsibility is $1500, and not $17000. she lets me know that UCW paid mercy back in july. anyway, fast forward to november i am getting billed $17000 again. i call billing, they escalate my case, and remove the $17000 charge from my statement. i call UCW again, and they let me know the claim has been paid. billing is telling me anthem denied the claim again. they ask me to resend the EOB. fast forward to now, i am getting billed 17000$ AGAIN! i call billing, they tell me that the anthem claim is denied. i ask them if they looked at the EOB. they say yes, i ask them if we can go through the EOB together. we look through my UCW EOB and the billing employee states that my ANTHEM EOB was reviewed and for some reason my UCW EOB was not reviewed but it was received after i sent it in November. he agrees, i should only owe $1500 per the UCW EOB. but anthem is denying my claim still. i call UCW again. the rep tells me that she is now contacting anthem directly. after 9 months of issues we are finally contacting anthem. and there is no way for myself to contact anthem, only through the UCW representative. i am giving birth in about a month, im in a rush to get this handled. i would accept any help that i can. i have looked through the itemized bill, UCW EOB, and claim on anthems website and reviewed for errors. i noticed that there is one charge (for $9.50) that insurance covered that is listen on both the itemized bill and anthems claim, however not listed at all on the UCW EOB. but i, a not insurance expert, does not know what this means. please please help if you can! i have already talked to my states insurance department, which they were confused w my situation and could not help. i also have requested proof of payment from UCW, as well as a 3 way phone call between UCW, myself, and billing.

Hey y’all, my truck got hit in the parking lot of my work a couple of weeks ago and there was some damage near the drivers rear wheel. The lady who hit me left a note with her information so I submitted a claim through her insurance company. They asked me to get an estimate from one of three shops and then after they would pay. I requested to cash out as I’m planning on painting my truck myself within the next month or two. The shop returns with an estimate of about $2,300. After about a week I receive payment of $1,700… I asked why there was that high of a discrepancy and the adjuster said: “The cost difference between the estimates is due to the first one being written without regard for insurance rates. We can only pay out on the official insurance estimate.” My question is, why did they have me go get an estimate in the first place. I had to take a half an hour’s drive each way just to get to the shop. Not to mention the time I spent there waiting to be helped. I’m just frustrated because it seems like that was an active waste of my time. If they already had their own “official insurance estimate”, why did they have me go drive 2-3 towns over to get a meaningless one from a shop!

In 2024, I received a call from rep at Innovative Partners LP (my first mistake) and the rep was so convincing that I gave my cc to receive healthcare benefits. I was sent an insurance card. Innovative Partners LP partnered with Marpai Health to handle invoices from medical visits. I had 3 medical office visits (1-primary, 2-dermatology and 3-LabCorp for routine blood panel). Of the 3 visits, only dermatology visit was paid. LabCorp has sent my medical visit invoice to collections! I have been doing everything I can to get Marpai Health and Innovative Partners LP to pay their portion of this invoice. I don't know what else to do. I reported both organizations to Better Business Bureau with NO results. I have written to both organizations and nothing. What else can I do to get this LabCorp bill paid by the healthcare coverage? I know I have to pay my portion and I will .... AFTER Innovative & Marpai pay their portion. I even sent my state representatives a letter about this issue and nothing. Since August 2024, Marpai canceled their relationship with Innovative but while I was covered, there was an ongoing relationship. That they terminated their contract with Innovative is not my problem. While I was covered (from Feb to Aug 2024), they were in contractual agreement. I don't want this invoice in collections, I don't want this hanging over me. I want Innovative & Marpai to honor their paid plan benefits / coverage to me. What suggestions do you have that worked for you? Thank you!

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?

I opened my bank account yesterday and my jaw dropped to see a hefty bill of $519.67 from Healthy Paws!! I have been their customer for more than 10 years and they took care of my pets....They covered an expensive procedure about 3 years back and I felt nothing but grateful...Their claim submission process is very simple....No recent high amount bills from my end (just regular procedures in the last 2 years!!) ....I referred my friends to them...And I was a happy customer until today...I understand that companies sometimes need to increase their rate but to increase it by 323% !!! ... I am just sad and devastated...You value your kids'/pets' health more than yours...I just paid $160.49 a month ago..if they had to increase the rate to $200.00 or $215.00, I would have understood...But this rate hikes is truly unjustified...I am planning to report it...My heart is broken....I wanted to let people know..