Craptacular Wonderment asked:


The home is either livable or NOT livable…it matters NOT what disaster ruined the home..

Why then is it that you have to pay extra for each different type of circumstance? An accident is an accident…. a disaster is a disaster… the home can only be burned, flooded, distroyed by earthquake / tornado / hurricaine ONCE.. why pay for all the different ways insurance-wise?

How covered is covered? And WHY !!!! Why?? Is it if you Never have any type of claim you aren’t refunded some of that money you spend year after year after year?

Again, once you’ve paid in insurance the amount of the home value.. what difference does it make if you replaced the home ‘money-wise’ already in insurance premiums? Why not spend those premiums on a second home instead?

Just shooting in the dark here of the many complaints I have heard ranted from my elders recently.. their solutions were hysterical.. I’d love to hear more solutions.

kaybird00 asked:


The tree collapsed into my yard causing my grill and table umbrella to break, also broke the fence. He had the tree removed and repaired the fence but who pays for my broken stuff. The neighbor is saying that my homeowners insurance pays but shouldnt’s it be his???

kuroiaki asked:


My house in pa has plumbing issues. We had insurance pay for plumbing twice. I heard from someone of a three strikes and they won’t cover you anymore policiy. Is that true? I’m afraid to go to insurance to repair the plumbing the third time.

char s asked:


We got the house sheeted and then tarped before it started to rain. BUT now it wont stop raining and we have had 2 ceilings fall down and numerous leaks. Do we have a chance at turning this in to our insurance company?