I’m in shambles. A surgery out of network I was approved actually late last year is somehow now denied in network now? And the record of approval is nowhere to be found?? Literally saw it three weeks ago. I want to make sure this appeal hits the ball out of the park with all necessary info but it’s such an uphill mountain and I was so happy for a month and a half excitedly waiting for my surgery next month. Please help.

So I recently got pet insurance with MetLife that includes coverage for injury (no waiting period) and illness (14 day waiting period). Only a few days after the policy became active, we were playing fetch on an embankment and he came back limping. Turns out he had torn his back left CCL. When I submitted the claim, it is being initially denied and the reason is that it was within the illness waiting period. My dog has never had any issues with limping and there are no previous notes in his vet file that he has ever had any muscular skeletal issues. Actually, there is a note that says he had "great hip mobility" from only a few months ago. When I took him in to the vet, they sent his xrays off to radiology and there is a note that says "has bilateral degenerative joint disease knee moderate left and mild right. Both hips degenerative joint disease". My question is do you think I will win the appeal that this is an injury and not an illness? He did not have any limping previously and it was directly connected to when we were playing fetch :(.

Had 2 roofing companies come and inspect the roof for hail damage, and they both claimed there is hail damage. However, Allstate insurance denied the claim, saying there is 0 hail damage. I sent the report from roofing companies, but they deny it's due to hail. I tried requesting a different adjuster, but Allstate won't budge. Any recommendations on how to proceed with insurance? I have heard I need to hire a public adjuster. Is there a certified inspection I can do that has more value than a roofer's? This is in texas.

Hi I would like to hear your thoughts on Wawanesa Insurance? Plan to switch from AAA to Wawanesa. AAA double my insurance, no accident or traffic ticket. Please let me know. TIA.

I reached out to my State Farm rep about why my homeowners insurance went up 30% this year and he said “that’s just what they’ve been seeing lately” and offered to decrease my Coverage A and Increase my Dwelling coverage to bring down the premium. The total replacement cost covered would remain the same. He was selling this as effectively being identical if we would be rebuilding in case of a disaster, but something doesn’t pass the smell test. Has anyone else opted to do something similar? He was unable to articulate why State Farm would do this if the coverage was the same. He only Personal coverage would decline as a percentage of coverage A. Is there anything else I’m missing or anything else I should ask?

I pay an arm and a leg for commercial auto insurance for a child care related business. I have 6 vehicles that I'm charged around $4500/yr per vehicle (yes I've shopped this several times, no there aren't better rates available, very few companies will even write policies for this industry). We don't use the vehicles at all in summer so they just sit in a parking lot. In years gone by, I've been able to drop the insurance during those months to "seasonal coverage" which basically means they are comprehensive only, and have no liability insurance because they are not being driven. Progressive has no problem with this. This ended up saving me about $2000/mo for 2,5 months, all in, or about $5000. I tried to do that for this year and I got an angry letter from the State of Florida saying that I need to forfeit my plates and pay a $150 reinstatement fee for each vehicle because I've "dropped my insurance". I've never gotten this letter before. Is there any way around that? Does this mean that I'm stuck paying liability insurance on vehicles that never see the road?

Two days ago, I had an online chat with a Geico representative about updating the odometer readings for the two cars on my policy. The chat was short and sweet and went smoothly. Today, I saw a mysterious credit card refund from Geico and logged in to find out that Geico had cancelled my auto-policy on the day I had the online chat. I called Geico just now and was told my policy was cancelled because "I called them to say I had another insurance" which is rather odd. I asked the agent to check the chat log/history to verify that no such conversation happened, but he said he does not have access and would have his supervisor (who can access chats) call me later in day. I am still waiting for this call. **What are my rights here?** Geico -- without notice -- put me and my spouse at unnecessary risk for two days as we have been driving uninsured without our knowledge. Is there anything I can do or ask for?

So I filed a claim with **Esurance** because my **rear porch shifted**, which is obviously a safety issue. I was hoping they'd help cover the repair costs — after all, that's what insurance is for, right? Instead, these snakes not only **denied the claim**, they turned around and **called the Village of Skokie** on me. Next thing I know, I get a **final notice from the city** saying I'm in violation and have to fix my porch or face a hearing. Let that sink in: **I went to my insurer for help. They ratted me out to the city.** Now I’m stuck with: * Full repair costs out of pocket * A city deadline to fix everything * No help from the company I’ve been paying for years Just a warning to others: Esurance will happily take your premiums, but if you ever need help, they’ll throw you under the bus and add more stress to your life. **Avoid them.** Has anyone else had them pull shady stuff like this?

Good afternoon, I was in a car accident in December, 2024. OP was found at fault within 24 hours of the claim being submitted, however, it took over 2 months to have my car repaired. My insurance company only covered 30 days of rental coverage and I paid out of pocket around $600 for the additional days needed. I submitted a claim to have that reimbursed and my insurance company stated they are filing an Arbitration. Is this usual for this case scenario? How long do these usually take to resolve? State Farm is OP's insurance and I have Amica.

I have an emotional support dog and he helps support me with my panic disorder everyday!! I know some people think dog insurance is a joke, but I’m disabled (for physical reasons) and want to be more prepared/protected with pet insurance so I won’t be stuck with a giant bill with a budget income. (Yes, I understand you have to pay it all upfront at the first before you see any money back from insurance.) Would love to hear some decently priced options for mostly full coverage! I have MetLife, but thought I’d ask for recommendations before I switch because $90/month isn’t exactly budget friendly for me 😕 Thanks for making it this far!! 😎👍🏻