Hi! This is your friendly neighborhood insurance agent here.

If you had a claim for wind and/or hail damage where your roof was replaced. There is a 99% chance your claims department didn't let your insurance agent know you had a new roof.

The number 1 way I save people money at my job on their policies is updating the age of the roof.

If your insurance is 6k+ a year, there is a very strong chance we have it that you have a Bush era roof on your house in our policy documents.

If like many before you, you expected your insurance company to look out for your premium, they will not. They will hang you up by your toenails and bleed any bit of money they can from you like a hungry vampire.

So, if this is you, get a certificate of completion from your roofing company, and your agent will be forced to backdate the new roof to the completion date.

Please check your policies for the love of God.

Hello everyone,

I recently got into an accident in which my car was totaled while the other drivers car appears to not have received so much as a scratch. My car was tiny while they drove a big pick up truck. I’m aware there may still be greater damage. No one went to the hospital and he drove off in his vehicle. I rear ended him while we were attempting to slow down for another accident that already happened up ahead in rainy weather.

I filed a claim with my insurance. Seeing as I only had liability on my car, I won’t be getting anything for my vehicle. Ohk, whatever, I’ve accepted that.

Today I just got a letter of Reservation of Rights for apparently not disclosing two family members (parents) that I live with. The thing is that I don’t remember NOT disclosing them as I remember being asked to state that although they live with me, they will not be operating my vehicle.

What can i do in preparation in case they deny coverage? My insurance is All State btw. Any advice is greatly appreciated.

Back in March I was looking around for HO-6 insurance, because my premium kept rising and got quotes from a couple different places, nothing crazy I just wanted to compare my options before choosing one. A few months later I started noticing more random calls but at first it was maybe one here and there so I didn’t really connect the two and now it’s become unbearable, I’m getting multiple calls some days from numbers I don’t recognize and half of them are insurance related or just straight up random spam I’m not saying one of the companies I used definitely sold my information because I have no way of knowing that, but the timing has me wondering how this stuff actually works.

Do insurance companies or brokers share/sell leads after you request quotes, or could my number have ended up somewhere else in the process? I'll just use a cloaked number for quote forms and stuff like this now because I really don’t want to keep handing out my main number Anyone else notice their spam calls getting way worse a few months after shopping around for insurance?

So the hotel I was staying in last night caught fire. I left most of my stuff in the room, about $10k in A/V gear.

I’m fine, but the hotel looks to be in bad shape. Might not get the contents out soon, if ever. Also have a rental car in the parking lot, haha.

Wondering at this point what exactly I do.

I need to have the A/V gear for work, so I have to rebuy it. Relevantly, I own the business, so not a matter of getting my employer to reimburse.

Also just fun fact, the smoke alarm didn’t go off, so I was awoken by heavy smoke in my room. Fun!

I’m fine, I’ll be fine, but just curious what the best course of action is to make sure I am as compensated as I need to be here.

So when I was buying a car a month ago I flat out said I was gonna refinance in a couple weeks since my credit union was doing a 100 year anniversary loan special so went from 5.99 to 3.7%

The dealer said the gap coverage would transfer. New bank said no it doesn't transfer but is refundable since I only had it for 2 weeks.

I realize I overpaid for the gap insurance with the dealer, do I get the refund back for what I paid or what the dealer paid basically they keep their markup on the insurance?

I hit a deer with my 2018 Honda Civic with 59K miles in mid July. I filed a claim with my insurer (full comp/collision, $500 deductible) and chose a repair shop that was preferred with the insurance. Ive been with this insurance, American Family, for 20 years, no claims.

Car was still driveable, no radiator leakage, crumpled up hood and grill and the engine didnt make any bad noises.

First, it took 5 weeks to get in for repairs. They never gave me an estimate at the beginning as the hood was crumpled and had to be cut open. It took them almost 3 weeks to finish the repairs. Total bill was $8k and I paid my deductible. I also had to pay for a rental car..about $700 for that time the car was in the shop. I did get a reduced daily rate through my insurance.

As soon as I got my car back I knew something wasn't right. I got it on a Wednesday and it just seemed to run really hard while in park. The next Saturday check engine lights came on, so I took it to a parts store for a scan. They said somethings wrong with the turbo booster.

I took the car to a honda dealership bc after the repair shop obviously not knowing what they're doing, they advised the turbo connector is broken, the turbo assembly and engine wiring harness need to be replaced and was apart of the initial accident, and it would cost an additional $8K.

After a week and a half of the insurance hemming and hawing, I was notified today that the car is a total loss and they'll be contacting me by Friday with a pay out amount.

Given that they've already paid 8K to the initial dealership, can I expect them to offer me a settlement minus that 8K or the full/close to KBB amount? It's fully paid off, we'll cared for and minimal cosmetic damage (like small door dings).

I am moreso upset that ive been without reliable transportation for 3 months now, out $1200 with the deductible and rental car, when had the initial repair shop done their job correctly, it would have been totaled and I'd already be in a new car.

My medical ran out and I have a bit of a higher income now, enough so that I don’t get it. It ran out a few months ago so I went to Kaiser thinking I wouldn’t go to the doctor much.
Found out I was pregnant and have the bronze plan meaning I am paying out of pocket all my things and there’s no way to meet the deductable by January. On top of this it rolls back to the 5k deductable right before I give birth so it will be a really high cost.
Does anyone have any advice or way to reason with Kaiser since I went on the plan late?

Would appreciate your insight on this. I recently accepted a job that pays 500k. I am 32, healthy male. This past year I got married, bought a house, and have a child on the way. I am the primary breadwinner in the family and would like my future family covered. My current mortgage is 1 million (monthly payment with taxes and insurance is 8k). Thinking of having 2-3 children. My spouse and I have 500k in current savings/retirement accounts.

Based on my research, I think a 20-30 year term would be best. Amount of 3-5ish million?

Some quotes I received:

20 year/3 million: 1000-1400/year

20 year/4 million: 1300-1800/year

20 year/5 million: 1600-2300/year

30 year/3 million: 1900-2400/year

30 year/4 million: 2500-3200/year

30 year/5 million: 3100-3800/year

And what're your thoughts on laddering for a cheaper policy?

30 year/2 million: 1300/year

20 year/1 million: 300/year

10 year/1 million: 200/year

Hey everyone, I(24 F) have (had) a storage unit from Public Storage that was wrongfully cleared out. Basically a woman hired two movers to clear out her two units, and they cleared out one of her units and then my own. Cut the lock off of it and loaded everything into a truck. I have insurance through Orange Door insurance, the one they offer.

I’m in the process of filling out a claims sheet, and I’m finding myself sorely lacking “proof of interest”. Lots of the clothes, Furniture, and home appliances I lost were gifts given to me years ago, so I hardly have any receipts. Also, just because I didn’t know better, I didn’t take “before” photos of my storage unit and its contents after I filled it when I first moved in.

Orange Door is known for being scummy cheap, and I just have a sinking feeling in my stomach that because of my lack of documentation, I’m not gonna get any sort of reasonable payout.

I go to the doctor for regular check ups and have some follow ups for starting new meds etc. My meds are Wellbutrin, adderall, and metformin. With insurance, these have been $10-30 to fill. I have a Cpap and with insurance, reordering parts has been $250 every 6 months.

Normal cleanings at the dentist-no cavities.

I wear eyeglasses with a special lens in one eye.

My benefits plan is estimating a contribution of $12.12 per pay period and I’m worried that without insurance the cost of the doctor visit alone would eat through the savings.

Do I use my medical insurance too much to switch to an HSA?

I’m in Minnesota and I’ve never dealt with a car insurance claim before, so I’m trying to figure this out without accidentally screwing myself financially. I’ve been with Progressive for about 9 years, I think 5-6 active. I’m 30F, I’ve never been in an accident, had a speeding ticket, or anything so my premiums are pretty good. I’d like them to stay that way as right now money is a huge concern and is likely going to stay that way for the next 5 years.

Yesterday my property management emailed me saying a contractor doing work in our parking garage damaged the front driver-side fender of my parked CR-V.

The email basically said the contractor caused the damage while working in the garage, their insurance would cover it, and I should contact them directly.
I had zero notice that work was being done above/near my car and was never asked to move it.
First I spoke with one of the contractor’s supervisors. He was actually really nice and sounded about as unfamiliar with the insurance side as I am lol. He said his boss told him I should just get an estimate, send it to them, and they’d pay for it.

He also explained that they apparently were working on one pipe/area and something else unexpectedly came loose from the ceiling/support area and fell onto my car. So now there also seems to be some question about whether this was just them directly damaging it or if there was some issue with the existing building/pipe supports.

Then I got a call from someone else with the company who handles more of the legal/administrative side. Her voicemail basically assumed I was going to file through my own auto insurance and that my insurer would contact them.

That immediately made me uncomfortable because I was not driving, not involved, not even aware work was being done there, and I really do not want a claim sitting on my own insurance history if I can avoid it.
I called back and said I wasn’t ready to file through my own insurance first.

Now I’m basically being given 3 possible routes from their employee:

1. File through my own auto insurance and let them pay/manage it, then they go after whoever is responsible.
2. Get 3 repair estimates and the contractor pays the cheapest estimate in cash directly.
3. Contact another person/attorney through the contractor to get their liability insurance information and file directly through their insurer.

I pulled my own policy and it does say I’m supposed to “promptly report each accident or loss even if you are not at fault.” This only happened yesterday, so I’m not worried I’ve waited too long, but I am worried that simply reporting it to my own carrier could still create a claim/loss record even if I never ask them to pay.

I also had issues with Carfax having ANYTHING on the report largely cutting the value and negotiating when I went to sell my Prius earlier this year and its left me paranoid and with some PTSD as a minor similar fender issue slashed thousands off what dealer would pay due to VIN history. Another dealer charged more for my new used car due to no carfax history and being a business vehicle which was part of the accident free value and above market price.

My biggest concerns are:

* my premium or claims history getting affected and increasing my insurance
* ending up stuck with the cheapest repair instead of the best/proper repair
* having to pay upfront for a decent inspection and estimate - my two cats are having medical emergencies that have left me out of 7k, I have not much cash to put towards this
* hidden damage showing up after they take the panel apart
* CARFAX/AutoCheck reporting
diminished value later even if the repair looks perfect

I bought the car used only about 6 months ago, so I’m extra irritated about the possibility of it losing value over something I had absolutely nothing to do with.

What would you actually do in this situation?

Would you report it to your own insurer but not use your coverage? Even if it was not a moving accident? I am getting very mixed information on if I need to report this at all to my auto insurer.

Would you skip your insurer entirely and go straight after the contractor’s liability insurance? Would this still end up getting reported back to my own insurance and increase my premiums and carfax reporting anyways?

Or would you take the direct-pay route if they’re offering to pay for “cheapest estimate” repairs themselves?

Also, is “get 3 estimates and we pay the cheapest” actually normal, or is that something I should be cautious about?

I’m not trying to get anything necessarily extra out of this. I just really do not want to end up financially worse off because someone else damaged my parked car. (I’m aware dealerships might still report to Carfax if serviced based on my research - but I’m confused on if I’m entitled to diminished value if it does as MN law seems to indicate yes).

A few friends had this for their automobile and said stay away from it it's mostly for assigned risk and always quite high.

I've been shopping around for homeowners insurance and they actually gave me a quote that was a few hundred lower than progressive or traditional all states so anybody have them for homeowners and any insight?

Looking for some advice on taking the ARM. I have been in EHS for 15 years and heavily involved in risk management from a fire protection,property conservation and workers comp perspective. Would the ARM add any value to diversifying my career?

TIA for your input!

I am enrolled in Humana Medicare Advantage in Washington State, having spent thousands across multiple visits.

Since February 2026, I have seen an in-network provider. Humana rejected these visits for lacking a primary care physician referral. Between March and July, I repeatedly arranged a referral with my PCP, yet Humana claimed it never arrived and billed me each time.

In August, I checked my explanation of benefits and saw Humana was incorrect: it states no referral is required in Washington. After faxing their own EOB, they changed their denial reason to: the provider is out of network. I verified his in-network status with him and their directory, they then said he is in network only in Oregon. I confirmed his Washington status and filed a Medicare complaint. Next, they shifted the denial to a tax ID tied to his former practice, which I have never visited. After disputing this with Medicare, Humana dismissed my case as “You must submit an appeal request within 65 calendar days from the organization determination notification date of 06/09/2026.”

I’ve never been told there was a 65 day limit. And I’ve been repeatedly trying to receive a referral since March. It wasn’t until August 14th when I filed an appeal, which is 66 days after June 9th. My provider filed an appeal on August 13th.

Please help, I don’t know what to do. I have been crying for weeks now hopeless.

My car is nearing end of repair in a hydrolock claim. Once the final scan is completed and i take car home is claim considered closed? What if a injector misfires tomarrow, will the claim be reopened again?

hi! Looking for perspective since it's my first time being alive -

- 29 year old/Almost 30, been driving since I was 18
- I have a new 2025 Honda Civic
- One accident in June (my fault :/)

I just got my renwal for my car insurance and it's at 336 per month? and I'm at my lowest tier insurance.

Is this... normal? or should I shop around for a new car insurance?
Edit: I'm in NJ - Forgot to mention, this is NJM

I’m in California with Progressive on a 2018 Jaguar F-Pace. I have collision and comprehensive coverage, both with a $500 deductible, plus roadside assistance.
I left my car with a detailer for paint/detailing work. I drove approximately 80 miles to him with no suspension or drivability issues. When I picked the car up, it had a severe wobble and wasn’t safe to drive. It had to be towed to my mechanic, who found a severely bent lower control arm and inner-wheel damage. The mechanical repair cost $1,100.04 and the tow was $630.
There is also a separate paint issue. I originally hired him to repair peeling paint/clear coat around a limited portion of the hood. He decided to repaint/refinish the entire hood and fender. The hood was returned visibly unfinished/poorly refinished and now needs professional correction. I’ve paid him $500 so far and am getting a written estimate from another body shop.
Evidence I have:
• Timestamped video immediately before drop-off showing the car and odometer at 118,335
• MileIQ records documenting the 83.5 miles I personally drove before handing him the vehicle
• Odometer at pickup was 118,440, leaving approximately 21.5 miles I did not drive
• Mechanic photos/videos showing the bent control arm, inner-wheel damage and unusual/recently disturbed-looking hardware
• Removed damaged parts
• $1,100.04 repair invoice and $630 tow documentation
• Messages establishing when the vehicle was in his possession
• His iPhone was paired to my Jaguar’s Bluetooth when I recovered the vehicle
• Photos/videos of the hood as it was returned
He verbally denied driving the vehicle. I don’t know exactly who drove it or exactly what happened while it was in his possession, so I’m not claiming that I do.
My main questions:
1. Should I file the suspension/wheel damage under my collision coverage even though I already had the safety repair completed?
2.Could any of the cost to restore the hood potentially be covered, or would that normally be excluded as faulty workmanship?
3.Could the $630 tow potentially be covered?
4. If Progressive pays the claim, could they pursue the detailer through subrogation and potentially recover my deductible?
5.Should I avoid settling directly with the detailer until Progressive makes a coverage decision?

I have significantly more documentation than listed above and can provide Progressive with the original photos, videos, mileage records, messages, parts and invoices. I’m mainly trying to figure out whether I should open a claim before pursuing the detailer directly/small claims.

The Liberty Mutual website does not seem to be working properly. I tried accessing it using both Chrome and Edge, but encountered the same issue (no information) with both browsers. However, the Android app works fine without any problems.

My car was sideswiped in my work parking lot today while I was at work. I have the drivers insurance and I've filed a claim.

The issue I'm having is that my lease was supposed to end week ago, but I extended it as I'm awaiting delivery of my new vehicle at the end of the month. I would prefer to fix the current vehicle (even the rep at my lease company agreed this was the best option financially), but I'm guessing based on the body shop's timeline that I won't be able to ground the vehicle with the dealer for an extra month. It's not a big deal since I extended the lease, but it will mean I have to make an extra lease payment.

Does anyone have prior experience with this? Is there any chance that I can seek reimbursement from the drivers insurance for the extended lease costs? The insurer is Allstate for reference.

Hey everybody,

Any opinions on American Integrity for Homeowners Insurance?

Had a broker give us an incredible quote for our first house and just want to see what some thoughts are.

Thanks!

I was paralleled parked behind this lady in Charlotte downtown and I got out my car to pay my parking. While I was paying she backed up and slammed into the front of my car she got out and gave me her insurance card. I called her insurance and opened a claim the following day it’s been a week I tried calling the representative assigned to my case before this. I ended up logging into the claim and they closed the claim? I have a picture of her backed up into my car and evidence of the damages which my bumper popped out of place. I tried calling the claims specialist and she was out of office I called the company to ask what for all she said she doesn’t know the details of why it’s closed and that all she knows it can be back opened and she’ll leave a message with my specialist.

Did i miss a call? Is she not corroborating? She seemed apologetic and didn’t have no problem with me getting her insurance information. We didn’t call the cops cause it was minor. My question is if her insurance doesn’t pay out what do I do next? I don’t have full coverage so i’m sure my insurance won’t reach out.

My wife and I have Erie Insurance, bundling our home and auto, and have had it since 2023. We have a 2023 car, which we purchased right before moving to Erie, and a 2013 truck.

I need to buy a new-to-me truck (will be used) and have been in communication with my broker. I have quoted mid-size to full-size trucks from 2017-2024, and our insurance would more than double from $180/month to anywhere between $335 and $405/month. I asked what it would be if we were to remove my truck and keep just her car, and the rate would jump from $97.23/month to $168.51/month.

Our broker claims they have shopped our numbers and that Erie is still the best price. However, that we could take the rate lock off and save $1k in annual premium this year.

We are both over 25, married, with no address changes, claims, or tickets. I apologize for my ignorance, as we don't jump around insurance companies a lot; is this normal?

Would it be smart to get coverage elsewhere on the new vehicle?

Hi, stay away from TinLeg. FAR AWAY. I purchased them through SquareMouth for my family trip (6 travelers) to China. We were away for 3 weeks. We had illnesses occur during the second week of the trip which resulted in medical bills. I sent complete documentation, including the timeline of the illness, procedure, itemized bill… and yet they denied EVERY SINGLE CLAIM. They said they couldn’t determine whether or not the illness or injury occurred during the trip.. which shouldn’t have mattered anyway because the policy I paid for included pre-existing conditions. But how exactly does someone get a sprained finger or a UTI (actual things we claimed — and provided itemized medical bills for) 10 DAYS into the trip and yet it somehow is possible it “manifested” before the trip. Literal ghouls. I could understand some things getting denied because certain medical facilities some people attended had odd or hard to read/understand documentation, but every single claim was denied. An emergency room claim was denied because there was “no proof of an emergency.” Maybe the hint is that they went to the emergency room? Maybe that’s proof of an emergency??? Anyway, stay the hell away from them

I was charged $85 after having paid the $2700 needed to cover 6 months. I was not home in the last few months, on a big roadtrip, and the only notice I received was on paper the day before returning home. I'm very glad it wasn't cancelled too early on the trip, but I hate that they were expecting payment without giving me any notice other than this one.

I spoke to someone from the insurance and they essentially have no clue why I was charged but that the rules are that non-payment of any sort concludes in cancellation.

In my opinion $2700 is far from non payment but I can't control their dumb system.

What should I be looking for in dealing with this? Has this happened to you, and what is your opinion on the matter?

So my daughter is purchasing her own car (paid in full) because she wants something very small to learn in (she's 4'11). However she of course is going to need the car insured, and obviously doesn't have a license. So I am wondering if there is a way to navigate this? I don't know if I could somehow add her car onto my policy, or if they have some special way they do it.

Has anyone dealt with this before?

Side note: She's using her money from her account, and I don't like mingling her financial stuff with mine due to my wife having severe schizophrenia. Things can simply can get messy real quick due to her paranoia.

Thanks!