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@bishopoflyons Your claims adjuster deals with these questions all day every day. Let them handle it. I was never a bodily injury claims adjuster but my understanding is that your claims adjuster would need to let you know if it's possible that the injured party has a reasonable claim for an...

@pepbug From a claims adjuster's perspective, having Additional Living Expenses coverage really makes the whole process easier to stomach for an insured and you probably underestimate how quickly you will exhaust your limits. Are your sure quote #1 doesn't have any ALE coverage?

@glaigleman

@glaigleman More unhelpful nonsense. No one would waste a field adjuster's time sending them to look at items that are not damaged.

@glaigleman This is nonsense and completely unhelpful to op. Op's funko pops show no evidence of damage so they are not damaged. It's that easy. If damage does develop then the actual damage will be evaluated to determine if it is part of this loss. Claims deal with real events not imagined...

@glaigleman What are you talking about, there is no damage. I explained how mold exceptions can create complications to emphasize that one of the main goals of mitigation is to prevent mold from developing and set op's mind at ease.

@himaboveall One of your duties under the insurance contract is to cooperate with your insurance company's investigation into any claims made. If you want to be covered by your policy then you to need to contact your insurance company and talk to them about what happened.

@glittergirl52 Insurance covers physical damage. Items that were not damaged but that you're afraid might get moldy some day do not have physical damage. If you're afraid of mold get a hepa filter and a dehumidifier (I'm sure servicemaster already used a big one when drying out your house)...

@moonbeams Damage from tree roots is foreseeable and preventable and not covered. You should have cut that tree down a long time ago. Tree fall damage would have only been covered if the falling tree landed on the house, earth movement exclusion would apply to anything involving the roots. A...

@joelmatho You wont be able to cash the check until the estranged family members endorse it, why not just contact them yourself first and tell them to get in contaft with the adjuster so they can get paid for their interest in the vehicle?

@yougetagoldstar That is your insurance abiding by the policy, not them trying to screw you. The policy is a contract. Your contract with the insurance company says you have a limit on your rental coverage. It is not unlimited rental until your car is fixed. That is what you agreed to when you...

@philip8490 They are filing a claim against your liability insurance policy. Notify your insurance company, they have a duty to represent you if you had coverage at the time of the accident. Lawyers letters are meant to sound intimidating and alarming but your insurance company deals with this...

@crystagail I never did total losses and my gut tells me they probably wouldnt do this, but if I were in your situation I'd ask them if they could send me a 2-party check every month for just the amount of your car payment and then subtract that from the total loss settlement. Then you sign the...

@jabe The packout company is responsible for damages they caused due to sucking at their jobs just like the auto shop would be responsible for denting your car while replacing your brake pads

@todaystheday I don't know exactly what happened, but based on your description I might be able to point out where a miscommunication happened. ACV is based on the cost of an LKQ replacement, minus deprecation. The values that are placed on the items on the inventory lists that are submitted...

@caterine The coverage youre asking about is called ALE stands for additional living expenses. It's coverage D on your policy form and it has a separate limit. Use those terms to do some internet research, not enough info in your post to provide a better answer than that.

@jesse123 I know this is an old post but I just wanted to let you know in case it happens again that this would not be covered because of the flooding exclusion. It would be wise to check around the perimeter of the house every once in a while to clear debris and ensure that rain will properly...

@rafael_ You might be ok. There might be storage charges on the vehicle when it gets picked ip too but if it were my claim I'd try to treat it the same as if it was taken to a tow yard. If it's wrecked enough to be an obvious total loss they may just tow it straight to the salvage yard.

@etaters Get an estimate first, if the other car had no damage then yours might not cost much more than your deductible to fix it. Don't lie to the insurance company about what happened

@wisdom08 Get smarter friends. There are types of losses where you would have no coverage for this, a couch is not totaled just because it got wet, and $5,000 is a lot of room to find cost effective ways to clean or repair it.