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Ask Ron
Homeowner/Renter Insurance
- “I saw a story on the news about home insurance claims involving a contractor that was being accused of charging for work that was not done, and for not completing work, leaving the homeowner with their house torn up and big bills to pay. The reporter said the contractor is being investigated by the Construction Contractors Board, but the contractor told the reporter the real problem is with the insurance companies. I hope I never have a claim, but if I do, how can I be sure the insurance company will pay my claim?
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- “I own a home in Oregon and for the last five years, each time we get
a lot of rain, the basement leaks. I have called my insurance company
each and every time only to be told it was a flood and I don't have
flood insurance. I've paid for a French drain, paid twice to have
the carpeting replaced and I had the entire downstairs drywall torn
out, the walls sealed, paint molding, etc. I have a friend who is
an insurance agent in another state and she says my insurance should
have covered the damage to my finished basement as it is ground saturation,
not flood. Is my friend right? Do I need flood insurance?”
- “Last night on the news we saw some homeowners with trees down from stormy weather. There are some very tall evergreen trees in our neighborhood. What happens if a tree falls on our house or car? Will the damage be covered by insurance?”
- “I've been watching the news about the terrible fires
in California. Are fires from a natural gas explosion covered? How do insurance companies figure
out how much to pay when everything is destroyed?”
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