I recently lost all my belongings due to mold in my house that I lived in July 2023-February 2025. I got insurance starting August 2024. I became very ill and moved in with family Dec 2024, returned to the room in Feb 2025 to find it covered in mold after a bad storm. I was not aware that the mold was causing my illness or that there was even mold in my home until Feb 2025. It’s looking like an almost complete loss of my belongings. My insurance company manipulated me into stating that the date of loss was Feb 2024, when I made a maintenance request to fix a leaky window. I didn’t understand the implications of this and the agent was kind of pushing me to agree that Feb 2024 was the “date of loss” and not Feb 2025, because that was the first documentation I had of a moisture issue in the house. The next day she tells me it’s unlikely I can recover any claim money because I got insurance in August 2024, and the loss happened before that date. Can anyone help? Id like to make an appeal if my claim is rejected but I’d like to know how I can defend myself here.

So a few years ago Freedom Mortgage bought my Mortgage from Veterans United. I qualified for a VA rate adjustment at some point down the road and they were very helpful to set up a payment system where I am paying money every two weeks shaving years off the amortization schedule. The problem arose when we had water damage to my house during a storm. After getting the insurance figured out, there was mold involved which made things tricky, I had a large check which was going to be used to pay the final contractors to put the house back together. The check was sent to me, I signed it and sent it to Freedom because it was large enough to require the involvement of the mortgage company. The problem arose when they kept moving the goalposts and demanding more paperwork, more inspections, and more reports. After nearly two months of providing them with everything they finally cut a check, for less than the originally cited amount. I was told the amount was less because they withheld money which had already been paid. They said if I wanted more money I could either give them an itemized list, down to the nails, of every penny I am asking for or get an inspection at my expense to confirm the work hasn't started. Freedom is holding my money hostage and making every step of this process impossible. I cannot stress enough to get as far away from this company as possible. The only reason I am still with them is my 2.25% APR. The scariest part is their inability to tell me what they are going to do with the extra money once we are done.

Greetings everyone. I do but know where to go for help in this. I tried the court but that was useless. There is only one lawyer near us that takes our MetLife legal card. So my dad died augusts 2022. The estate is worth close to a million and there was no will. I tried to qualify as the administrator, but since I had to be bonded, my credit held me back, so my brother was able to qualify. Since then, he has done nothing. Two plots of land were sold for 300,000. It was sold for less than it was worth, but it was too family, and that was important to my dad. No personal items have been sold. There homes are in the country and the homes are full of mice that I’m sure have eaten everything! The cars have been sitting, uncovered the four wheelers the Farm equipment, all of it sitting and rusting. There is a double wide that’s about 15 years old and sits on a gorgeous lot and a three bedroom brick ranch that is still waiting to be sold and all of the personal effects but I cannot get my brother to do anything. He will not return a phone call or a text message. When we try to contact the court, they were of no help we don’t know what to do who returned to or what our rights are and trying to read online. It’s like it’s written in another language. I know this is a long Post, and if anybody has time to give us an idea of how to move forward from here what we can do it would be so appreciated. We are in Virginia if that makes a difference at all thank you in advance so so much.

My senior kitty is 16. She is/was prone to UTI's, had 3 in 8 months last year, and Embrace will no longer cover anything related to her bladder. She's very healthy otherwise. The vet saw a bladder stone and she's been on Hill's Prescription food since June, with no incidents since then. I was reimbursed under the wellness portion and quickly used up the funds I had left after her checkup. Does anyone know of a plan with a high amount of wellness coverage and less amount of insurance coverage? Thanks in advance!

Hello everyone, I have a question. I was recently involved in a not-at-fault accident with an Allstate-insured driver. Unfortunately, my own insurance canceled the night before the accident, so I did not have PIP coverage. Allstate has informed me that I’m responsible for a $7,400 medical bill, despite them reserving $5,500 for future medical expenses related to the accident. If they have funds set aside for medical expenses, why can’t those be applied to the existing bills? I do not feel they are actuinh in good faith. Would it be advisable to seek legal assistance at this point? Thank you for any insights.

I'm trying to figure out how much to ask for my loss of use claim. It took their Insurance 6 months to pay anything for my vehicle as they were still investigating aspects of the accident. I did end up purchasing a car out of my own money separately part way through but nothing that they helped with and I still had the totaled car sitting outside the whole time. I've tried to research what it should be but everything I read seems to assume that insurance pays out quickly. Geico is trying to say the industry standard is 14 days at $30 dollars a day. I did a free consult with a car accident attorney back at the beginning of it and he said to expect $32 per day for my car, but I just need to figure out how many days. If they should be on the hook for all 6 months they chose to wait to pay me.

In April 2024, I had a couple of procedures done, such as fillings, cleanings, root canals, and crowns. I was pregnant at the time, so I had to delay the crowning, but I had the imprints done beforehand. At my consultation appointment in April, my dentist reviewed the treatment plan and the costs. I knew that I would have to pay out of pocket for some of these procedures. When I went in for my first filling and root canal appointment, the office told me that my dental insurance didn't cover some of the costs. I knew this and was okay with whatever the updated pricing was. Paid $606 for the first appointment, and went on with my life. At the second appointment in May, I went in for the crown imprint, and at this appointment, I paid off the remainder of the treatment plan cost before I even got the services done (with the updated pricing that my EOB said wasn't covered). I paid $552 out of pocket. Several months later, in April of 2025, I kept on getting these calls with no sensible voice messages saying "this is a debt collector". No effort was made by my dentist over the year to let me know of this balance. I checked my dental insurance claims, and the claim was rejected for code D3910, which I knew was already rejected when I went in for my last appointment. Now I am confused why my dentist is saying that the insurance rejected it when I already paid off my balance. What should I do, and am I liable for the debt? Should I speak to the debt collector or the dental office? This was in California, and the insurance is with United Concordia. Not sure if this matters.

My monthly premium with Embrace was $54 a month and I just got a notice it will be $93 a month. This is an obscene increase. My pet is an almost 8 year old male cat I have had since he was 2. He has been in great health with no issues. I’ve had embrace since I got him. Should I get new pet insurance? I’ve seen really mixed reviews about embrace being a scam. There is absolutely no justification for this premium increase in my opinion, but I’d like it get other thoughts.

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.

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!