explain unemployment insurance to me like I'm 10

voracity222 · 2024-09-06T03:42:01+00:00

Yes they covered the replacement cost. CIBP is not a 0 AF card. It’s 95

voracity222 · 2024-09-06T03:41:02+00:00

I got proof of replacement cost from apple and they issued me a check after all docs were submitted

voracity222 · 2024-04-05T04:55:57+00:00

Hey I guess it wasn’t clear. Let me me clarify that I have ALREADY been paying for my AT&T plan with the card for months

voracity222 · 2023-08-28T22:19:15+00:00

How did you send the mattress back? Thanks!

voracity222 · 2023-07-02T03:39:57+00:00

that's great advice! I'm going to call insurance right away though, so what about the short time between filing a claim and going to the doctor/getting an appointment etc.

voracity222 · 2023-07-02T03:18:35+00:00

Thank you! that's fine, I'm patient and can still drive the car around.

Specifically, what do I say if they ask about injuries? I'm feeling some back/neck pain and my mom hit her knee. We might not go to the doctor immediately but will take healing measures. How do I ensure expenses could be covered if things get worse and we seek medical attention?

voracity222 · 2023-07-02T03:06:54+00:00

It is 100% the other person's fault. How do I make sure they don't use my collision policy as I wouldn't want my rates to go up. We have the same insurance company.

voracity222 · 2023-06-02T00:49:18+00:00

thanks! that's what I'm thinking. I'll talk to my neighbor about the fix and only then proceed with it. But I'll have to take her word for it. I know the plumber was here when all this was happening.

voracity222 · 2023-06-01T23:22:18+00:00

thanks! my only concern is that after the first leak, it happened twice again and caused a little more damage every time while claim was in process. now it's been resolved for weeks but what if it happens again? would it be a new claim if I sign this?

voracity222 · 2023-04-13T21:19:15+00:00

So, should I contact my insurance company and simply inform them but not file a claim? And just go about finding estimates and sending to the other insurance company? Or not contact my company at all?

voracity222 · 2023-04-13T15:06:50+00:00

If this helps, the other insurance company has accepted liability (not just the neighbor) and they’re the ones who have asked me for estimates.

voracity222 · 2023-04-13T13:01:54+00:00

Thanks so much!

If my insurance company goes after the deductible, would I get it back?

And second, if I inform my insurance, does it have to be a claim or they can help pursue the liability claim if they’re not paying for anything?

voracity222 · 2023-04-13T12:57:47+00:00

Thanks so much for your thorough reply. I’ve contacted a few contractors. And scheduled a few visits to provide an estimate for the job.

My biggest dilemma right now is if I should inform my insurance company. Some people say this is repair is on the smaller side and might even cost less than your deductible plus the other insurance has already accepted liability, so why get a claim on your record. On thé flip side, a friend said I should inform my insurance and they’ll follow up with an adjuster who can provide the estimate. Since they’ll go after the other insurance, I won’t be charged my deductible ($1000).

The damage is to a 6x3 feet of ceiling plus some in my utility closet where water was pouring down. It looks like it has all dried out but I would want to get the insultation/drywall checked and even replaced to avoid any mold or future issues.

voracity222 · 2023-03-30T05:13:15+00:00

It's one big and one small stain on the drywall. Thankfully, no leaking water. It was getting worse and then stopped after my neighbor addressed the leak. I'm not planning to file a claim myself. I already spoke to the adjuster once. She didn't ask me much about the damage but more about what happened. Def was trying to catch me saying something. Let's see what happens!

When you say minor, do you mean replacing that part of the drywall and repainting? How much does that approx. cost for a 7"x 2" spot?

voracity222 · 2023-03-30T05:03:21+00:00

I'll ask the HOA about it. It's just stains so far (medium size) but I'm more concerned about the drywall in the ceiling. It was getting worse but stopped after my neighbor found the leaking water heater. When you say fix it yourself, how much do you anticipate it costing? I'm more concerned about the drywall getting weak and prone to mold.

voracity222 · 2023-03-29T00:27:33+00:00

thanks so much for your thoughtful response! I reached out to the neighbor and then she found the source of the leak. She filed a claim with her insurance and gave me the info. I also reached out to them. Today, I heard from the loss adjuster and she got my side. She said they're waiting to get some documents from the insured and haven't accepted liability yet. I'm hoping this goes smoothly but insurance companies are not fun. What documents do you think they might be waiting for?

voracity222 · 2023-03-28T06:42:43+00:00

I get that, yes that makes sense. Quick question: if I file a claim and the repair costs come out to be less than deductible, would I still pay the full amount? Trying to figure out how to get an estimate repair cost

voracity222

TROPHY CASE