I need advise/help on how to proceed. I live in Houston Texas and have lived in my house for about 11 years. We had some hail damage to our roof that happened last (2024) and have had at least 4 contractors come inspect our roof nd give us a quote. The cheapest quote so far is $9000. My home insurance is with All State. They sent adjuster to take a look at our and finally say the damage they see is not much and at most would cost $3000 to fix which is below our deductible. I am so upset. I have diligently paid for insurance for 11years without submitting a single claim and now I have a legitimate one they are giving us the run around. How do I proceed from here? There is absolutely no way to fix the damage for $3000. How can I make the insurance company pay for this? I am lost. Please any advise is appreciated.

Hi, I’m trying to find pet insurance for my 4 month old Maine coon but Pet plan is extortionate. I don’t know any other insurance company that pays direct rather than potentially being stuck with a huge bill to pay upfront. £47 a month seems high for a young indoor kitten/cat. Why is Pet plan so expensive compared to other providers, do they offer more or is it because the pay vets direct? Can anyone advise if cheaper policy with insurer that will pay vet direct?

I am looking everywhere for insurance and the best rates I could find are around $1,200+/mo for 10 months. I know I am a new driver but that price is WILD!! Any helpful comments would be appreciated.

I submitted a property claim months ago (homesite, Colorado) and it has been agonizing with many moving parts. Most recently, the work is done but the restoration piece, which is covered, has not been paid out so I am missing floor, walls, toilet is in the tub, furniture is all over the place, etc. it has been like this for over a month. The challenge is that my adjuster had to send the claim out to a third party, and the third party can not talk to me directly. They have even told the company doing the work on my house to stop forwarding and ccing me on emails from them. So every time I call my adjuster (the one with my insurance company), he is kind of unsure where they are in the process because he is not them, basically. But then if I check in with the contractors, they haven’t even heard from either adjuster. I am wondering if this is normal and if there is anything I can do to get clear answers from someone. It has been very “he said- she said” games or telephone for weeks and I just want my stuff fixed.

Hi, I recently sent my husband’s wedding band, my engagement ring, and my wedding band in to get polished and resized. Kay jewelers has lost all three rings. The section on the bottom of the receipt reads as follows: “In accepting said merchandise, it is understood that this store, or any of its employees, are not responsible for identification or condition of stones or jewelry at the time of receipt. This store accepts the merchandise listed above solely for the purpose of repair and does not undertake to act as an insurer of this merchandise. I agree with the description and values of the merchandise listed above. IF ANY MERCHANDISE LISTED ABOVE IS LOST OR DAMAGED, I UNDERSTAND THAT I WILL RECEIVE REPLACEMENT MERCHANDISE OF LIKE OR SIMILAR VALUE UP TO AND NOT EXCEEDING THE AMOUNT STATED ABOVE. MERCHANDISE MAY LEAVE PREMISES, CUSTOM DESIGN JEWELRY IS NOT RETURNABLE.” - basically waiving them of any legal obligation. My husband and I have requested a refund for the value of the rings, which they have denied. They have offered to replace the rings, but my husband and I want to be done with Kay. Do I have any power to take them to court to get a refund? Location: Indianapolis

I have Aetna DMO, and I am constantly being overcharged for things. It started with the dentist recommending a deep cleaning even when I knew for sure that I didn't need it. I still paid because I thought it was better than letting my teeth worsen. Then the dentist tells me I need 2 inlays. The insurance says they should cost $115, but the dentist's very rude receptionist mentions that they use Emax only, which is a $750 upgrade. It makes no sense to be paying so much for these treatments, and for all I know, I may not even be needing them. What is a good solution for me at this point? Just go to a well-reviewed dentist and pay them cash for this? Or can I maybe get external insurance myself? But I doubt any external insurance will be as good as what my employer is already offering. (Aetna DMO)

[Ontario, Canada] Might not be the best place to ask this, but I was unable to find anywhere else. Following a car accident that was not my fault, my vehicle was totaled. My insurance provider, TD Insurance, paid off the car loan, and during the process, the agent proposed deducting my deductible from their payment to the finance company, with the understanding that they would later recover this amount from the other party's insurance. However, almost six months have passed, and I have yet to receive the deductible reimbursement. When I inquired, the TD agent explained that they have had difficulty contacting the other insurance company, citing a recent instance where they were on hold for over an hour without success. As this is my first experience with such a situation, I would appreciate guidance on how to proceed.

My husband and I are working through paying off our debt. I have a personal loan through OneMain we are wanting to pay off ASAP I got a payoff last week good through tomorrow, but then on Monday I called in and canceled the optional product of Credit Insurance and Disability Insurance. The issue is, the cancelation of those products applied to the overall balance that includes pre-calculated interest, but it did not come off of the payoff amount. I called customer service and they said the payoff amount is basically already assuming the cancelation of those optional products. Does that sound right?

hello! i know my issue isn't major, but I need help as I am desperate to solve this. Long story short, I had medical for the longest time and never had any issues until January when I was informed (when trying to make a dentist appointment) that I had a UMR blockage. I was confused but was told to call medical and get it resolved. I called them and they said to get in touch with UMR whcihc I tried but was beyond useless as they ask for a member ID which I stated multiple time I DONT HAVE, and after somehow bypassing the answering machine UMR tells me they have no records of me ever existing and to basically die in a ditch as they just hunged up on me. I explained this to medical, and they made me fill out a form to remove "other healthcare coverage," and it should be removed (I did this twice, btw). It in fact was not as I tried to make a dentist appointment again and same thing: "UMR blockage. please take this up with medical". I called medical again, and they gave me a case ID and told me to ask UMR for a "coverage termination letter," which I tried to do, but again, they told me, "We don't know you we can't do anything" and hung up on me. I explained this to Medical, and they filled out a form (the same one I did), and it should be resolved, yet I don't know if it actually be. Also, worth to mention one of the workers I spoke to told me that the UMR policy I was under was my uncles, whom I have had no contact since like five years ago and have no connection with at this point, the alleged policy began in 2023 so I don't understand how this even happened:C when I tried to report the fraud to medical they said "you cant report it here, report it to UMR and then we could try to remove the block because until then we cannot remove an active policy by law" But UMR has been beyond useless and I'm scared because I have a cavity and I know its not serious but I am afraid it could get worse Im just trying to see if anyone was in my same situation (which is very unlikely) or if I could get any recommendations on what to do because I don't know how to proceed anymore and this just pmo. Anyways thank you to whoever read this and pls help

I was referred by my PCP to a physical therapist and was going regularly to appointments where I was only charged a $15 copay. However, after one of my appointments where my PT used a new technique (biofeedback training), my insurance is saying that service is denied and trying to charge me upwards of $400 for this one appointment. My insurance provider is United Healthcare. When I go to their website and try to "estimate cost" of this procedure (code #90912) it says that it should be covered by my $15 copay. However, when I called United to ask why it was denied, they said that there was a form called a PRA that they sent to my provider and it was not returned, so they didn't have enough information and denied it. I was told by the provider, my PT, that she never got this form and I also reached out to the billing department for the medical group, Sutter, to have them try and follow up with insurance or look into it, and was told that they would and I'd hear back within 30-45 days. Now my insurance is saying that, since they denied my first appeal, I only had so long to appeal that and the deadline is approaching. The "patient advocate" told me that either myself or the provider has to write a letter to United Healthcare Escalation center and ask for a secondary appeal, but was super vague on what exactly to say or write. I called back Sutter, since it had taken so long. They said they had 30-45 "business days" to review it, but they'd mark it as highest priority. I don't think I should wait for them, but am unsure what exactly I can say to get United to resend these forms that my provider says she never received. Any guidance?