We live in a townhome in Florida with an HOA. For context, we do have an HO3 policy. After Hurricane Milton, we sustained damage to the roof of our unit, which caused leakage into our garage. We notified the HOA after seeing the damage, and we were advised that when there is a “named storm”, the individual owners are responsible for paying for roof repairs. The HOA coordinated repair with the company that services our roofs, and we were advised we could pay out of pocket or file a claim with our own individual insurance company. The amount is $2000, but our hurricane deductible is much larger, so we will elect to pay out of pocket IF it’s accurate that HOA is off the hook. We have a copy of our bylaws but cannot see where we are responsible for this repair. All other times where there have been roof leaks, the HOA covers repairs. We asked the board members to point to where in our bylaws that it states we are responsible, but they refuse to answer. Does anyone have any insight? I will also post this to the HOA sub. 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

I'm shopping around for car insurance. I'm 38F and never had anything but State Farm, but I was rear ended in an accident last year and had a mostly bad experience dealing with customer service and claims. My parents had a life insurance policy for my mother. When she passed away the office somehow marked me as the deceased party, which also lead to me having to "prove" that I was not dead. Keeping in my mind my mother and I share a last name and had our insurances at the same office/broker, but we have completely separate policies. When I told the agent that is what happened, she was combative even though the date of the change corresponded with my mother's death. After my accident, there were significant delays in getting my payment because of some issues they were having with setting up digital payments for me. All around bad experience with customer service and claims who were not empathetic or helpful. When I switched my insurance to a new agent's office for my new car, they put the incorrect financing information on my policy. Had to call several times to change. Realized that they had the wrong mailing address and garage address, even though I had also changed these. I, no joke, had to call on four separate occasions to try to change my garage address. They kept telling me it would be reflected on my policy within a month, but when I checked, my old garage address was still there. Conveniently, my rate at my new address is cheaper. I will say prior to the past couple years I had great experiences with State Farm. It seems lately to have maybe gone down hill, and I am a pretty dang patient person. It's not all about price for me either. I'm happy to change to somewhere with better service even if slightly more expensive. Does anyone actually have a car insurance company they can recommend based on good experiences and/or customer service?

I noticed my bill in an email was way more than normal and checked my payment history only to find out it’s the second time they billed me for that amount since I missed the first time (I was on vacation). I called and apparently they added some random guy. I finally figured out it was a guy I had in my car when I volunteered at World central kitchen delivering free food to hurricane victims. This guy rode in my car once for half the day. They said they emailed me and sent regular mail telling me about the change. I never got them because the vacation. They will not tell me how he got added to my policy and at one point hung up on me and I did not raise my voice and was polite but firm in asking what happened. I still have no answer. And instead of refunding me the money they just paid my bill for the year with the fund they took. I pay monthly normally. I did not share phone info or have them track my driving with progressive so I cannot understand how they added this dude to my insurance. I remember this guy rode a bike everywhere and since my insurance went up so much I’m guessing he has a bad history. How did they add this guy to my policy? I’m planning to change insurance providers any suggestions? Thanks for any info

In the past I never remember paying anything for an annual physical with blood work. I recently received my bill and my blood work/urinalysis was $1206 and after cost reduction I owe $1020.cigna covered nothing and I will have to call them and see exactly what they cover because I will be turning down the blood work for now on if this is what it will cost. General health panel (CPT 80050) $630.99 Blood test lipids (cholesterol and triglycerides) (CPT 80061) $293.80 $20 for the needles and stuff I rarely go to a doctor so maybe I'm out of the loop but everyone I mentioned this too says it doesn't seem right. So I wonder if it's a coding issue or Cigna really just doesn't cover anything until I hit the $1k deductible.

Hello, I have a few questions how to handle my PCP or Labcorp messing up with my insurance details. I had a bloodwork taken at my primary care and apparently they sent it to Labcorp. But Labcorp billed my insurance with the incorrect details apparently - my name and Member ID, group number are wrong. I got a mail in Feb asking for insurance details but the return address was not online on their website, so I thought it was phishing. I called the Billing department and asked them if they needed my insurance details, and they said "it is pending with insurance and there is nothing you have to do but wait". I don't have this call recorded. Today I got the invoice number and it says the below: "Reason for Bill: We attempted to file a claim with insurance. According to BLUES NJ: HORIZON BCBS, the patient name or subscriber number did not match their records. This balance is now the patient responsibility" I don't want this to impact my credit score but I don't want to pay $1000 since my PCP or they made mistake that I had nothing to do with. I will call them tomorrow morning but I have a few questions. 1. Since they dumped the responsibility on me, can I sort of force them to refile with insurance? What do I do if they refuse? 2. How long generally do I have to sort this out (not paying) so it doesn't impact me. Thank you for taking the time to read this. I'm just pretty pissed right now so apologies if I sound rude.

I have recently had a 117% premium increase from Embrace. One of their justifications was the state I lived in, CA. I’m curious what other states have had such egregious increases ( regardless of company).

As the title states, I was involved in a slow motorcycle collision with a Tesla. I was lane filtering the far right lane on a 3 lane one way street. The Tesla turned right into a parking lot from the center lane without indicating directly into me. The video shows I was in the city (Downtown San Diego) marked lane going 20 mph but due to parked cars in designated parking spots to the right, Geico immediately claimed I would likely be found at fault. This is because my insurance claimed it “technically” isn’t a lane due to parked cars for some reason. This call was not 30 minutes after filing the claim at the scene of the accident. The agent over the phone made it very apparent they weren’t going to fight the fact that the Tesla who turned did not indicate nor check mirrors/blind spots. Sorry for the long read but can I fight my case to my own insurance (Geico) to avoid an at fault claim.

I am so lost. Three days I received a call letting me know that an accident I had been in over a week ago was deemed to be the other party’s responsibility, and I was set up with the collision center and rental car. Today I receive a call that the claim the other driver made on my policy was found to be inconclusive, therefore they are now saying it’s word vs word and we both are liable???? They asked several of the same questions I had already explained to them. I told them the police did not arrive because I live in a high acuity city which is understandable. I even went to the police department after and they said in Texas they are not required to file a report “anymore”. I left feeling okay since I had pictures and explaining the accident would surely lead to the right solution! i was not at fault at all! 1. Why would they look at this as two separate claims? ( We both have Geico so I thought this would make it easier????) 2. Can they really go back on their word? I asked to

I just recently got into a car accident where I was turning left on and intersection right after my light turned green, and the other driver was to my right side driving straight through the intersection with a red light. They hit me on the front right side of my car and my car was deemed totalled. I called the insurance company and she has not yet made a detailed statement on her insurance or police report (the accident happened at around 6pm on Monday). My insurance is deeming this 100% my fault. How do I get out of this? It obviously was not my fault as she ran then red, but they are saying there is no proof to her running a red light, which is true, I have none. But why does it then have to be 100% my fault? It is so so frustrating, and I would like some help going forward with this. I haven’t signed any papers for the insurance company yet and am hoping to dispute this. Do I have a leg to stand on? Thanks. Edit: I should also add that I have told my insurance company about her carrying an expired insurance sheet and her driving for Uber Eats with her car not registered as a commercial used vehicle.