My husband and I are about to start the short sale process and starting this month we are not and cannot afford to make our mortgage payments anymore. Our Homeowners insurance is paid for through escrow…what happens when we stop paying our mortgage payments? Should we contact our insurance agent and switch to direct billing or does this all get covered in the short sale? We are projecting being in our home at least 6 months before we get an offer (due to winter approaching). I have looked all over online and get mixed answers. Just want to to do. Thanks

Technorati Tags: escrow, google, homeowners insurance, insurance, insurance agent, mortgage payments, script type, short sale, text javascript

My husband and I are first time homebuyers. Our insurance agent has said we need to have repairs done before closing. We’ve already gotten other repairs as a result of the inspection and that is all the seller’s agreed to. How can we get repairs done (and get the insurance policy at closing) when the house is not yet ours and our agreement with the seller’s has already been completed? Any ideas?

Technorati Tags: google, insurance, insurance agent, insurance policy, script type, text javascript, time homebuyers

Once a tree limb fell down during an ice storm and damaged my front sidewalk. They wouldn’t pay to have the sidewalk repaired. Another time I needed plumbing done and the plumbers had to knock out the kitchen ceiling and part of a wall to get to the pipes and the insurance also wouldn’t pay to have the plastering done. The insurance agent says that these things are considered part of normal maintenance and so aren’t covered. What do they ever pay for?

Technorati Tags: google, insurance, insurance agent, kitchen ceiling, pipes, plastering, plumbers, plumbing, script type, sidewalk, text javascript, tree limb

I’m looking for a rough guess, I don’t want to call an insurance agent because I don’t want them to keep bugging me

Technorati Tags: google, insurance, insurance agent, script type, text javascript

I just purchased a home this past August and had to have Homeowners insurance. When I purchased the insurance I was told by the Insurance agent that because I took out more coverage than the replacement cost that difference would be equity in the home? Is this true? Do I have that difference in equity?

Technorati Tags: google, homeowners insurance, insurance, insurance agent, replacement cost, script type, text javascript

I own my condo. It was built in the 70′s. A few of my neighbors have had water leaks from the old pipes under the foundation. (It appears that some of the pipes are shared between condos too)… anyway, my main concern is I want to obtain insurance that will cover me if there is water damage and I am reading my policy now. It is so confusing I can’t make heads or tails out of it. It is very ambigious and there are exception clauses throughout the entire policy.

So how do I protect myself? What questions do I ask? I spoke to my insurance agent. Well, he said, water damage is hard to talk about because it depends where it is coming from. If a hydrant is hit by a car, and it floods your condo, you aren’t covered for the damage…… My head is spinning.
I live in San Diego. I have Farmer’s Insurance curently.

Technorati Tags: clauses, condos, floods, google, hydrant, insurance, insurance agent, neighbors, pipes, san diego, script type, text javascript, water damage, water leaks

Hi everyone – I’m not sure if anyone can help me, but I thought I’d ask here…

I’m in school and an artist (in CA) a new project I’m working on depicts the recent wildfires and the people dealing with the aftermath (the good the bad and the ugly)

I had the idea of one of the structures of the piece being a home, but made out of strips from a homeowners insurance policy (paper mache of sorts) HOWEVER – I don’t own a home (literal starving artist here) and really don’t know anyone who does -

sooo, I was wondering if anyone who has a home and a policy, or an insurance agent even, would be willing to scan and e-mail me a policy (important info blacked out obviously) or if it is a blank form, watermarked up the hilt to ensure it can’t be utilized in any other manner…so that I can complete my vision…

I’

Technorati Tags: aftermath, google, hilt, homeowners insurance, insurance, insurance agent, insurance policy, paper mache, policy paper, script type, sorts, starving artist, text javascript, wildfires

I’ve never had a insurance agent ask me for this before, and I just wanna make sure there’s no disadvantage to doing this.

I’m getting homeowners insurance and an umbrella policy. The agent just said he wanted to look at the property management contract to see who is reponsible for what so he can see how much insurance I need.

Technorati Tags: google, homeowners insurance, insurance, insurance agent, management contract, property management, script type, text javascript, umbrella policy

Hi everyone – I’m not sure if anyone can help me, but I thought I’d ask here…

I’m in school and an artist (in CA) a new project I’m working on depicts the recent wildfires and the people dealing with the aftermath (the good the bad and the ugly)

I had the idea of one of the structures of the piece being a home, but made out of strips from a homeowners insurance policy (paper mache of sorts) HOWEVER – I don’t own a home (literal starving artist here) and really don’t know anyone who does –

sooo, I was wondering if anyone who has a home and a policy, or an insurance agent even, would be willing to scan and e-mail me a policy (important info blacked out obviously) or if it is a blank form, watermarked up the hilt to ensure it can’t be utilized in any other manner…so that I can complete my vision…

I’d like to be able to duplicate it and cut strips so that when people look at this part of the structure, they will know and understand the meaning of the strips…if your/the policy has a clause about fire damage, even better…

my e-mail is marieofmanycolors@yahoo.com if anyone is willing to help me out.
I’m aware of that "C" – that is why I’m asking actual homeowners as that constitutes their approval if they do send it to me (and note I specificaly said to black out ANY personal information) – or for a BLANK form with no personal information whatsoever from an agent.

Technorati Tags: aftermath, e mail, fire damage, google, hilt, homeowners insurance, insurance, insurance agent, insurance policy, paper mache, policy paper, quot, script type, sorts, starving artist, text javascript, wildfires, yahoo

Hi everyone – I’m not sure if anyone can help me, but I thought I’d ask here…

I’m in school and an artist (in CA) a new project I’m working on depicts the recent wildfires and the people dealing with the aftermath (the good the bad and the ugly)

I had the idea of one of the structures of the piece being a home, but made out of strips from a homeowners insurance policy (paper mache of sorts) HOWEVER – I don’t own a home (literal starving artist here) and really don’t know anyone who does -

sooo, I was wondering if anyone who has a home and a policy, or an insurance agent even, would be willing to scan and e-mail me a policy (important info blacked out obviously) or if it is a blank form, watermarked up the hilt to ensure it can’t be utilized in any other manner…so that I can complete my vision…

I’d like to be able to duplicate it and cut strips so that when people look at this part of the structure, they will know and understand the meaning of the strips…if your/the policy has a clause about fire damage, even better…

my e-mail is marieofmanycolors@yahoo.com if anyone is willing to help me out.
thanks why am I here – but can you provide a link you are talking about? I tried to google as you suggested, I’m getting a lot of descriptions of what it is and links for quotes, but no forms…

Technorati Tags: aftermath, e mail, fire damage, google, hilt, homeowners insurance, insurance, insurance agent, insurance policy, paper mache, policy paper, quotes, script type, sorts, starving artist, text javascript, wildfires, yahoo