My roof is 13 years old (original to the house), and recently had some wind damage after a storm. I started a claim in 2019 with my previous insurance company (after a hail storm) and was denied a replacement because apparently someone has been on the roof with a hammer or something attempting to mimic hail damage, so it was determined to be vandalism. The new damage is due to wind, but the vandalism is still present. I’m told that at least the back slope (if not the whole thing) needs replaced. Should I file a claim or just pay for the replacement out of pocket?

Hi everyone, I’m hoping to get some advice on a situation that’s gotten pretty stressful. I live in San Diego, California. About two months ago, I was driving around 2 a.m. when a pedestrian ran into my car. He was running across the street diagonally, apparently intoxicated, and hit my car right as the traffic light turned green. I called emergency services, and he briefly lost consciousness but regained it and was taken to the hospital. I also have a witness who saw the whole thing and gave me their phone number and statement confirming that the pedestrian caused the accident. At the time, the police report clearly said the pedestrian was at fault. My insurance company (Geico) told me they would handle everything and assured me they had collected the report and all the relevant information. Fast forward to now: the pedestrian hired a lawyer and is suing me for bodily injuries. I just received a letter from Geico informing me about the lawsuit and requesting my statement again (even though I already provided it right after the accident). It seems like only now they are actually trying to gather the police report and contact witnesses. I feel that Geico hasn’t been proactive at all and may not be acting fully in my best interests. In the letter, they also mentioned that I have the right to hire my own attorney, and if I do, they will communicate directly with that attorney instead of me. My main questions: Should I hire my own lawyer in this situation, or is it better to just let Geico handle it? What are my chances of recovering my insurance deductible from the pedestrian, given that the police report and witness both confirm he was responsible? Is it true that a police report can be easily dismissed in these cases? Could hiring my own lawyer make this situation worse or “bigger” than it already is? Any guidance, suggestions, or similar experiences would be greatly appreciated. Thank you so much for your help.

Location: Arizona Was in an accident and Farmers client was at fault. I had borrowed a car but had to return it. My insurance company offered a total loss on my car that was being repaired which I accepted but I had to rent a car while I looked for a new one (which took a week ) Farmers is refusing to pay for that rental because they said they are not legally obligated to pay for anything after the offer was made to pay for my old car. Is this correct ?

I was in an accident 12/29. My car was totaled by my insurance company (State Farm). They called my creditor (Upstart) to get a payoff total. They gave my claims agent a “10-day guarantee payoff quote.” The insurance company sent the payment in full and it processed within 4 days. The insurance company now owns the title of the car (I’ve confirmed this twice). I theoretically should owe nothing on this loan as the quote given was paid in full and the title has already been transferred. However, the creditor is still trying to charge me my monthly payments. My claims agent said they called and confirmed with the creditor that everything was indeed taken care of and the car has been paid off. He said I should no longer be getting charged payments. I figured maybe it would just take time to process the transfer or the loan payoff but my account is now past due because they’ve tried to take 2 more monthly payments. I have called several times to dispute it (because I was told it should not be my responsibility as the loan was already paid in full!) but they just say they’ll transfer me to a supervisor and then I’m on hold for 30 minutes before the line just disconnects. I’ve emailed. I’ve called. I don’t know what else to do and I cannot afford to pay these extra payments with accrued interest and late fees but it just keeps accruing. Nor should I have to since the creditor doesn’t even own the car anymore and they got all the money they asked for. Any advice in this situation is appreciated.

I've been with State Farm for several years, but almost 3 years ago we had a series of accidents that we're not our fault, but were caused by phantom drivers or road hazards. Last summer, I was at fault in backing into a car bumper. My agent says the underwriter's are cancelling because they've paid out over $100k. Kinda late, don't ya think! We've been almost 2 years without anything major - the bumper was less than $2k. My credit is not that great. I see a lot of aggregators that will give you quotes for multiple insurance companies. What's the best way to get insurance at a reasonable cost? I'm over 60 sand in a domestic partnership.

So I canceled my health insurance with ambetter on 3/22/2025 and i got charged agian for April. I called twice and asked if there was any way that they could refund the money they stole for that one month and they of course said that they didn't charge me and that im crazy. I have the bank statement and the cancelation form. Who do I go to to report this and how do I get my money back?

I just started a new job and received the Empower 401k fund options below. All of these funds appear to have high expense ratios (most around 1%) and overall don’t seem to be that great. I’m considering rolling over my old 401k to this new plan or an IRA. My old plan is valued at approximately $500k invested in passive total market index funds. I’m 40 married no kids. While I won’t be able to do the backdoor Roth IRA if I rollover my old plan to an IRA, I feel like the funds available at fidelity are superior to these. I’m just looking for another opinion on this before I make any decision. Thank you! American Century One Choice In Ret ARTAX - 1.01% American Century One Choice 2025 ARWAX - 1.03% American Century One Choice 2030 ARCMX American Century One Choice 2035 ARYAX American Century One Choice 2040 ARDMX American Century One Choice 2045 AROAX American Century One Choice 2050 ARFMX American Century One Choice 2055 AREMX - 1.14% Virtus NFJ International Value AFJAX - 1.3% American Funds EuroPacific Gr R3 RERCX - 1.12% Invesco Balanced-Risk Alle R5 ABRIX - 1.08% Invesco Developing Markets Y ODVYX MassMutual Global Svc. MGFYX - 1.13% Invesco Real Estate Y IARYX - 1% MFS Utilities R3 MMUHX - 1.02% PIMCO Commodity Real Ret Strat PCRAX2 - 1.45% Columbia Small Cap Index NMSAX - .45% Franklin Small Cap Value Fund FRVLX - .97% Invesco Discovery ODIYX - .79% MassMutual Mid Cap Growth Service.. MEFYX - .86% Virtus Ceredex Mid-Cap Value Equity I SMVTX - 1.02% BlackRock Equity Dividend MSDVX - .97% MassMutual Blue Chip Growth Service.MBCYX - .85% MM S&P 500 Index Adm MIEYX - .49% Loomis Sayles Strategic Income Fund Y NEZYX - .67% MFS Government Securities R3 MFGHX - .76% Invesco International Bond OIBYX - 79% Infl-Prot and Inc (MassMutual) MIPYX - .69% Capital Preservation Account CGPJQ0

I'm currently age 64 and in the throes of buying a LTC upfront 120k premium, "return of premium" for One America LTC insurance, and am working with a "financial advisor" who requests all my personal financial, living wills, etc. I feel like I'm being sucked into a ruse of their playing a role of financial advisor for a fee, when all I want is purchase of the policy, which, I thought, only needs my medical records? Help me out here...please. For upfront payment, am I being played that I have to provide personal financial info?

I have had Embrace pet insurance for my dog and cat for 10 years and they have always been Awesome and I have a 90% Reimbursement Rate on covered claims . They have covered many claims and have helped alot . I do pay a hefty monthly price to have this peace of mind. I’m use to an annual increase that’s incremental but a 55% jump from 220 a month is just outlandish in my opinion to 340 a month now . Have you experienced a High Rate Increase also?

Going through Reddit before I got my Italian greyhound puppy, I came to the conclusion that dog insurance was a NECESSITY with this breed. I did a lot of comparing companies as well as reading reviews of each company with different scenarios and decided on embrace. I currently pay ~$70/month and it’s been so worth it for me! Deductible of $250/year with 90% reimbursement afterwards. Well my Finn boy fractured his leg and we were devastated and overwhelmed by the guilt/fear/etc. We went straight to the ER and found out he needed surgery to have it repaired. (~$6,000). By reading the contracts and stipulations of the insurance agreement I knew it would be covered and there was no way we could have afforded it without insurance. It did take a lot of hassle on my end. I had to call them several times to get my claim moving. I had to submit all of his documents (several different times). After calling a 4th time and them claiming they did not get the documents I ended up emailing the records to them as well. My claims were then put on “hold” due to insufficient documentation. I was at my wits end trying to come up with anything else they could possibly need. I called again explaining absolutely everything and the worker put notes into the file and sent it back to the adjusters. FINALLY a couple of days later (1 month total of waiting) I finally got reimbursed 🥳. It was such a shit show but I was so relieved that it covered basically everything. My only complaint is that if you don’t pester them they don’t get anything done. The workers told me that the first claim always takes the longest to process and the next ones should only take a week or less. I hope that’s the case- hahah!