Insurers sued over group-home policies. (landlord insurance): An article from: National Underwriter Property & Casualty-Risk & Benefits Management
Insurers sued over group-home policies. (landlord insurance): An article from: National Underwriter Property & Casualty-Risk & Benefits Management
From the supplier: The Fair Housing Council of Greater Wa
Categories: Landlord Insurance Tags: Amp, article, Benefits, Benefits Management, Casualty Risk, CasualtyRisk, From, Group Home, Group Insurance, grouphome, Home Policies, insurance, Insurers, Landlord, Landlord Insurance, Management, National, National Underwriter Property, over, policies, property, Property Casualty, sued, Underwriter
Why are Republicans now fighting against policies that they used to fight for?
Question by Eddie: Why are Republicans now fighting against policies that they used to fight for?
They wanted to give insurance companies more business by requiring all Americans to buy health insurance. It was issue when health care over haul was being discussed in the nineties.
Did Orrin Hatch forget about car and home owners insurance?
“Congress has never crossed the line between regulating what people choose to do and ordering them to do it,” said Sen. Orrin Hatch (R-UT). “The difference between regulating and requiring is liberty.”
Republicans used to want pay-as-you-go rules. No that Obama and the Democrats are interested, some republicans are against it.
Republicans wanted a deficit cutting commission and when Obama agreed…they voted no.
How can anyone with common sense support people who are not interested in working for the American people? Their only goal is to see President Obama fail.
http://swampland.blogs.time.com/2010/02/16/health-care-republicans-oppose-their-own-idea/
http://thinkprogress.org/2010/01/28/senate-gop-paygo/
http://abcnews.go.com/WNT/video/gop-party-9781939
PO’d – You can have a home mortgage without insurance?
“Lenders require that you have homeowners insurance. Be sure to shop around.”
http://portal.hud.gov/portal/page/portal/HUD/topics/buying_a_home
So some of you feel that being forced to buy car and home insurance is different from being forced to buy health insurance?
Since it wasn’t that long ago that the Republicans wanted it to be manditory for all to buy health insurance – would you have opposed that too?
““Every expert who has looked at this says, ‘If you provide the subsidies and you cap somebody’s income, everybody’ll be able to afford it; it’ll be cheaper than anything you’re buying now if you’re buying it,’” he said. “I’m just telling you, we won’t get control of cost unless we cover everyone.”
http://firstread.msnbc.msn.com/archive/2008/04/20/924212.aspx
“Republicans were for much of the Democratic heath reform package before they were against it. In 1993, Republican Senators supported a bill that would have:
•Banned discrimination against people with pre-existing conditions.
•Required employers to offer insurance, as well as required people to buy insurance.
•Reduced growth in Medicare spending.”
http://www.annarbor.com/news/opinion/health-care-bill-isnt-perfect-but-it-is-a-giant-leap-forward/
Peace – Show us one proposal that shows Republicans are for the people.
A recent Harvard study concluded that close to 45,000 people died in 2006 because they didn’t have health care coverage. The bill is far from perfect but would save hundreds of thousands of lives and keep thousands more out of bankruptcy court. The bill would ensure coverage for millions of citizens who are currently without health insurance.
http://voices.washingtonpost.com/ezra-klein/2009/12/is_the_senate_health-care_refo.html
http://www.annarbor.com/news/opinion/health-care-bill-isnt-perfect-but-it-is-a-giant-leap-forward/
Best answer:
Answer by bobbyrich32
because they put party before country
Add your own answer in the comments!
Categories: Home Owners Insurance Tags: against, Buying A Home, Common Sense, fight, fighting, Gop, Health Insurance, home insurance, Home Mortgage, home owners insurance, homeowners insurance, Hud, Insurance Companies, msnbc, Nineties, obama, Orrin Hatch, Page Portal, Paygo, policies, Republicans, Senate Gop, Sense Support, They, Thinkprogress Org, used
Why did Larry Silverstein order WTC7 to be “pulled” 6 months after buying insurance policies for TERRORISM?!
Question by runcaz: Why did Larry Silverstein order WTC7 to be “pulled” 6 months following buying insurance policies for TERRORISM?!
Larry Silverstein purchased a lease on WTC#7 (the Soloman Brothers developing) 6 months prior to 9/11/01. He bought insurance covering acts of terrorism for the whole WTC complex. He produced $ 9 billion on his original 6 $ million invetsmenr. The soon after 9/11/01 on a PBS documentary, he said “I remember getting a call from the fire department comander, he mentioned he wasn’t certain they were gonna be ready to contain the fire. I stated perhaps the smartest thing to do is….is PULL IT, and we made the choice to PULL, then we watched the developing collapse.” It requires weeks or months to prepare a building for demolition. How could they spot the bombs at the correct points inside of a span of 8 hours when 1. No developing this high had ever been imploded and 2. FEMA claims the creating “burned like a giant torch”? (it didn’t). Was WTC7 the HUB of the complete 9/11 flase flag? Rudy Giulianni had his emergency bunker on the 23rd foor, with bomb proof windows overlooking the towers, MOST Easy WHEN THE TOWERS FELL.
Very best answer:
Answer by wizjp
Not consistant with the details.
http://www.911myths.com/html/wtc7___silverstein.html
Add your very own answer in the comments!
Categories: Insurance Building Tags: 6 Million, Acts Of Terrorism, after, Bomb Proof, Bombs, buying, Buying Insurance, collapse, Demolition, Fema, Fire Department, Flase, Hub, insurance, Insurance Policies, Larry, Larry Silverstein, months, order, Pbs, Pbs Documentary, policies, pulled, Rudy Giulianni, Silverstein, Soloman Brothers, Span, TERRORISM, Torch, Wtc 7, WTC7
ok, what’s the deal with these dwelling insurance policies and phony benefits?
Question by lyong222: ok, what’s the deal with these dwelling insurance policies and phony benefits?
I’m looking for a company to insure a small house I want to buy through a foreclosure auction. I need it insured from the date the deed is in my name to the date the occupant moves out, quietly or through eviction.
I got a quote from an independent agency through J&J and Scottsdale. The premium is a surprisingly low $ 468 a year. It is called a “Dwelling Fire Quote” (DP1), occupancy” tenant and protection class 2.
What does all that mean?
The occupancy: tenant
is not what I asked for, they were specifically told that the house is occupied and the occupant is not me and not a tenant.
So, I need to pay them a visit and speak to an agent and not the phone person at the front who gave me the quote…………because:
Today I decided to check out Foremost. They referred me to two in my city and one gave me a quote. Expensive $ 2600 a year but prorated refund on a cancel. I asked what do I get for a $ 10,000 loss. They said $ 10,000. What do I get for a total loss? They said up to $ 70,000 which was the minimum they could write (80% of the value of the house – tax value).
Expensive but at least I got someone to insure this house. But, here the occupancy said: vacant. They were told point blank the house is not vacant. It’s occupied and it is not me and not a tenant. So, I go to the 2nd agency who can write Foremost. They called Foremost and they said, the previous agent was 100% wrong, the $ 70,000 policy would not pay me a dime. They demanded the name of the agent. I declined. They said if I had bought that policy I would probably get paid but have to fight them slightly, because the error was the agent who quoted the policy benefits.
The 2nd Foremost agent tried their other sources and all said they could not cover this house. The firms were American Modern, American Reliable, Foremost, and Aegus.
So, back to square one looking for someone who will insure it. Businesses can buy insurance on hole in one contest in gold in order to offer a million prize. If I had a dog house made of gold, somebody would insure that. Why not my house? Maybe the risk is high but the coverage I want is only $ 38,000 and a premium of $ 1000 a month would be fine, but it seems no one will insure it at any price.
Do you know any one?
Why do agents offer insurance that won’t pay a dime? Are they wanting to be sued? Someone could be killed in a fire on a policy they wrote improperly.
Allstate and State Farm won’t even write vacant house policies like the one we have on my father’s house right now.
This occupant is not a paying tenant and they can not even be evicted thru the magistrate’s office like normal. Foreclosure evictions are different.
I have to explain my situation to these agents with every last detail or I would end up with a policy that won’t pay a dime.
Someone said maybe Lloyds of London.
Someone said that as the owner of the house (should I be the high bidder at the auction), I would own “interest” in something so that “something” is insurable, but no luck yet.
Feel free to email me with the reason WHY the second agent said no one would write this.
I’m finding no way 2contact u.
It seems u and Stephen W. disagree on tenant-vacant-occupant.
The 2nd Foremost agent who uses other companies said they all had about 7 “foundations” on which 2 write a policy & my situation didn’t fit any of them. The 2nd agent called Foremost & they said the 1st Foremost agent was getting ready to sell me a policy that wouldn’t pay a dime. The foreclosure lawyer did make a comment that fire by vandalism is a crime but if person left the state extradition would be close 2 zero.
I’ve got 9 business days 2 find a way 2 cover this house so I can bid.
The 1st Foremost agent said no co-insurance requirement but they insured the house for $ 70K though I’d only be paying $ 40K. I said what do I get on a 10K loss….answer check for $ 10K or repairs fixed for 10K. Partial loss, I’d want to stay. Total loss, I’d want my $ 40K. Again they said on total loss check of 70K
there is something fishy about the 2nd agent. I left there is a hurry at 2:45 to make it to the lawyer’s office. I left his office at 3:45 and called that agent. She had already found out that none of the companies I stated in my question Foremost, American Reliable, American Modern and Aegus none would cover me. All this in and around the other work she was doing and other phone calls since she works alone. I’m going to call Foremost again.
I called Foremost. They said there are many situations where there is a death in the family and a family member becomes an occupant and is not a tenant and this agent, said they would give me a quote over the phone. They said go back to the first agent and get explanations on the discrepencies in the policy being dwelling fire when they knew I wanted fire by vandalism, that they have it marked vacant when it is not, and they said I’d get $ 10,000 on a partial loss of $ 10,000 and $ 70,000 or a total loss when in fact I would not get a dime.
This phone call agent writes only for Foremost. I find it odd the 2nd agent who works alone, contacted all those other companies and had time to find out none would cover my situation in under an hour when she had already been told on the phone Foremost won’t cover me, which appears false. Someone, maybe more than someone is up to some tricks….and in some cases tricks can be called lies. I’m going back to the Scottsdale agent as well.
Best answer:
Answer by Age of Reason
If the owner (you) does not reside in the house then who ever is living there is considered a tenant
There is no other classification. Have you tried the company that insures your cars?
What do you think? Answer below!
Categories: House Insurance Quotes Tags: Benefits, Cancel, deal, Dwelling, Dwelling Fire, Dwelling Insurance, Eviction, Foreclosure Auction, House Tax, House Value, Independent Agency, insurance, Insurance Policies, Occupant, Phone Person, phony, Point Blank, policies, Quote, these, what's
Can Not Understand Insurance Application
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Don Hamm, CEO of Assurant Insurance admits to Bart Stupak (D-MI U.S. Representative) he is unable to understand his own company’s application.
House Committee Oversight and Investigations
Witnesses testified about the practice of “post-claims underwriting,” which occurs when insurance companies cancel individual health insurance policies after providers submit claims for medical services.
Duration : 0:3:37
Categories: house insuranse Tags: and, Assurant, Bart, Ceo, committee, D-MI, Don, Hamm, health, Hearing, house, individual, insurance, Investigations, of, Oversight, policies, Representative, Stupak, Termination, U.S.
Saving money on home insurance with Anne Marie Thomas with Rob Carrick from the Globe and Mail
Anne Marie Thomas, Account Manager at the insurancehotline.com website, with Rob Carrick from the Globe and Mail discuss how to save money on home insurance.
Why are home insurance rates going up? How can you save money on home insurance? What kind of deductables do people typically have on home insurance policies? How much should you pay out-of-pocket before you make a claim on your home insurance?
Duration : 0:2:58
Categories: home insurance Tags: are, before, can, claim, deductables, do, going, have, home, How, insurance, kind, make, money, much, of, on, out-of-pocket, pay, People, policies, rates, save, should, typically, up?, What, Why, you, your
How to Buy Homeowners Insurance
Purchase the right kind of homeowners insurance for your house or apartment and protect your valuables.
Duration : 0:3:0