Association

Should the condo association Master insurance cover the repairment? If the damage was caused by the condo association property failing. Should the Master policy of the HOA cover the cost of the repair of my interior damage? Is it part of the liability of the insurance? The detail is that the recent hurricane Ike damaged the roof of our building, what cause the water to pour into my neighbours unit upstair and further down to the ceiling of my condo. Thanks a lot.

What does the state farm condominium association insurance policy? I just had some of my precious items stolen from my car that was parked in the driveway. I have asked people and they claim i should contact my home insurance to compensate for the damages rather than my auto insurance policy. If i should contact my home insurance, what should i say in my claim? What are your opinions, suggestions?

Why is Braq Obama soo close to Karen Ignagni, the president and CEO of America's Health Insurance Association? Sure she is the most powerful Lobbyist in Washington DC; but why does the Commander in Chief always seem soo close to her.. Ya'know like at his Health Care Summit she was all over him, blowing in his ear and saying throw those AMA Doctors out.

How do Ireach the National Insurance Recruiters Association site? this is an association of insurance recruiting firms.

Can you obtain the insurance policy on a condo association without going through the condo owner? (See detail) I currently am selling my condo unit to another buyer. The owener of the building, who is a real jerk, refuses to provide to my lawyers a copy of the condo associations insurance policy to show the new buyers lawer. He has actualyl gone as far as to request $1,000 to release this document. I have also heard I am not the only one in this building who has been extorted in some way. Is this a normal charge in condo sales? Are there any other means to obtain the insurance information without going through the bulding owner? I currently am selling my condo unit to another buyer. The owner of the building, who is a real jerk, refuses to provide to my lawyers a copy of the condo associations insurance policy (which you are required to show to the new buyer). He has actually gone as far as to request $1,000 to release this document and he has boasted that I am not the only one in this building who has been extorted during the selling process. Is this a normal charge that occurrs during condo sales? Are there any other means to obtain the insurance information without going through the bulding owner?

do condo unit owners who are majorly delinquent in assessment have a right to insurance money from association? to fix water damage: to repair walls. The insurance money had to be used to cover emergency broken sewer pipes from a city citation.

Does First Kansas Life Insurance Association still exist? I have just found an old life insurance policy on my dad's life (he died about 10 years ago) issued by the Ancient Order of United Workmen of Kansas, with my mom (also deceased) as beneficiary. I have learned that First Kansas Life is probably the successor company, but can't get any info on the firm (yet). It's "only" a $1000 policy, but I would like to see if it's still in effect and my sister and I might be able to collect the benefit. First, I have to find the company.

I am obligate to show prove of a Homeowner Insurance to the Association?

Is there any association that is working on fixing the medical insurance problem? We pay more now than we did when we did not have insurance. The only thing is if we are hospitalized we would save a great deal but still our portion would be very hard to pay. reciently I had to take my wife to the emergency room of our local in network hospital now I get a bill for 200 for the phycician who does not belong to our insurance plan and a bill from the hospital for our portion of $3300 whiich is $600. When we went to the same hospital emergency room without insurance our total bill was $800. both times we where only there for 2 hrs of which 1and a half was spent waiting. There is something terribly wrong with this system.

has anyone ever had national benefit advisory association insurance?

insurance requirements for a town lake association? Hello Does anyone have experience in obtaining liability insurance and D &O insurance for a town lake association? We are being kicked off the town policy because we are member only, and I would appreciate any tips on obtaining insurance. There must be comanies that write this business at a reasonable cost. Thanks

Is there an international association of health insurance underwriters?

Is there any insurance I could have purchased to cover my contents for Hurricane Ike? I live in the Galveston Texas area.I filed a claim with my insurance company from the damage caused by Hurricane Ike. My homeowners insurance is not paying anything at all. Texas Wind Insurance Association is paying only for damage caused to the house itself, they are not covering my contents. Is there any insurance I could have purchased to cover my contents?

does a new incorporated association (common interest club) without premises need public liability insurance? We are starting a social club with a formal constitution in Queensland, Australia, that meets in private homes/public places - cafes etc , and do not have our own premises. So do we need to have public liability insurance; as the places we meet will already have it?

Does anybody know anything about National Association for the Self-Employed health insurance? Is it reliable? can I trust the company? has anybody ever experienced any problems with them? Thank you very much for your help.

is it wrong for insurance associations to show their members contact details? Is it wrong for Insurance associations to list all of their life insurance agents name, address, hp number and email address for the general public to access? Why some insurance companies do not want to disclose?

does anyone know who the ceo of auto club insurance association is and his direct address?

Is there an association of Mutual fund commissioners similar to the NAIC for Insurance commissioners?

Does the Master Insurance policy cover lawsuits of homeowner against the association?

Question about the National Rifle Association Insurance Benefits.? With the ArmsCare® benefit are each and everyone of your guns covered up to $1,000?

Where can I get the NAIC (National Association of Insurance Commissioners) Rates as of 12/31/2009? link please? I'm meaning foreign exchange rates

For health insurance, has anyone dealt with IMAC Group LLC or Affiliated Workers Association? ? I need health insurance and their plan is very reasonable but almost too good to be true. I havent found anything on Web except from their sites. If you've got any info, good or bad, please inform!! Thanks.

Is it required for a condo association to have insurance?

comparison of Federal Deposit Insurance Corporation with National Credit Union Association?

forming a group for health insurance. Not employees, but an association of gardeners.? They are all self employed people, who want to form a legitimate association in order to acquire a guarantee issue health plan in California. I am an insurance broker, and have NO IDEA how you accomplish this. I know that lots of associations have them, (Association of Veterinarians, associations of appraisers, associations of roofing contractors.).... How do I MAKE or CREATE one of these groups? And how do I get the insurance company to recognize it as LEGITIMATE here in California?

I finally figured out why liberals hate insurance companies? "Insurance associations" were invented by Benjamin Franklin. Insurance companies are one of America's contributions to the world, therefore liberals must demonize them. (You know, some idiot came out with this study claiming that 45,000 people die every year because of having NO insurance. Can you imagine how many lives are saved every year for people who do?)

Do I need vehicle tax/insurance when parking in housing association or council parking bays?

is there any organization or county, state or national bar association that offers health insurance through? their organization for solo practitioners in the state of new jersey? please let me know if you know of such a thing.. many thanks.. p.s. i am not interested in getting unsolicited quotes from agents, etc....thank you...

How can I find out NAIC number for car insurance company? I am filling out a report for DMV and there is a section where I need to provide the National Association of Insurance Commissioners (NAIC) number for AAA. I talked the company and my agent and they say that there is no such thing? I wonder if there is any where I can look this info up..... Any idea?

Average utility and insurance cost Orland Park, IL? I'm planning on buying a townhouse in Orland Park, IL and was wondering what the average utility (water, electricity, heat, disposal) costs are? Anyone have any estimates on insurance? The association fees cover common insurance but don't think it covers anything within the four walls of the house. Know what insurance requirements the lender puts on mortgages? Trying to estimate how much home ownership really is.

Why do affinity groups and/or trade associations need insurance? Why do affinity groups and/or trade associations need insurance?

Who, besides TWIA, is writing windstorm insurance in Galveston county, TX? I'm purchasing a new home in Galveston County, TX and am looking for an insurer who will provide wind & hail coverage without going through Texas Windstorm Insurance Association. I want to avoid TWIA because I've heard of lots of people who have problems with them and because their future is up in the air right now because they are basically bankrupt.

Is it a legal requirement to ask each new martial arts student to pay for his or her own liability insurance? I was looking to join a local martial arts class in my local area, but they keep expecting me to pay for my own liability insurance and martial association fee. Surely the onus for insurance should be on the instructor running the classes, and ajust his/her prices to include this. Plus I do not wish to join a martial arts association, as I only wish to do this for fun.

In California, can an insurance company legally cancel a homeoners association policy for 2 claims in 3 yrs? The policy is written on a building in Los Angeles containing 4 condominium units. In the first claim, the insurance co. defended the HOA against a negligence lawsuit in 2004 that was later dropped without going to trial, so no money was paid out. We are pondering making a second claim in 2007 involving water damage to the building. Whether the insurance covers the water damage is a separate issue I don't want to get into. I just want to know if after making two claims in three years the company would have legal grounds for cancelling us; or whether insurance companies are known for finding reasons to cancel, whether legal or not. No fraud is involved here.

Are there any associations one can join that would then give you access to group health insurance? From my research so far, it appears that if you have a group health care coverage, it tends to be cheaper than if you have to buy the insurance yourself. For example, a family of 4 may pay as much as $700 a month or more for some decent coverage, but perhaps group coverage from your employer may cost you $400 or so. But if your employer does not offer it, are there any associations that offer health insurance to their members? Associations that anyone can join?

What exactly is "Common Insurance" on a townhome? Our townhome is currently on the market. Our RE Agent has "Common Insurance" listed as one of the association's amenities. I know for a fact that we homeowners are responsible for the exterior of our homes (i.e., we have single-family home type coverage, not condo coverage). I'm sure the association has insurance on the "common areas" of the community (pool, clubhouse, common grassy areas, maybe?), but that's it. Not our roof, shared wall, nothing. Please help me understand if our listing is misleading or in fact false in stating our association has "common insurance." Thank you!

Can I collect money from my Condo Association? Recently a fire sprinkler "malfunctioned" in my building causing thousands of dollars in damages to several units. The Association's insurance is paying for what is covered, which does not include many misc. costs. Is the condo association financially responsible for this? If I request payment from my association for my loss, do I have a good chance at recovering incurred costs? If yes, how would I go about requesting money?

Where can I find a list of private associations that offer Group Medical Insurance? I am looking to get group insurance. I know there are associations and groups that offer group insurance to their members. How can I get a list of these groups. (assume I am eligible to join each grou). Any special keyword searches?

What associations offer group health insurance? Hi! I am trying to find health insurance at group rates. I would like to be an independent insurance agent. Does anyone know of any kind of associations or anything that I could join to have access to group health insurance? (I live in Alabama)

The Association of British Insurers (ABI) looks after Insurance Fraud Bureau in Northern Ireland,yes or no? Who deals with Insurance fraud in Northern Ireland? Is it The ABI? If I want to report a series of "Staged car accidents" would I telephone 0800 328 2550?

Can any body inform the official web site address of "General Insurance Public Sector Association"? Popularly known as "GIPSA" - an umbrella organisation of public sector General Insurance Companies in India.

How much can I expect to pay for apartment insurance near miami? I am going to buy an oceanfront condominium near Miami, Florida. Nothing fancy, just a one bedroom condo. How much should I expect to pay for the apartment insurance? Outside insurance is handled by the condo association.

Isn't it a violation of the Universal Declaration of Human Rights to mandate health insurance? Article 20: Everyone has the right to freedom of peaceful assembly and association. No one may be compelled to belong to an association. Doesn't that mean that I can't be compelled to belong to the association of those with health insurance?

My old housing association told me that building insurance was included in the service charge, but it wasn't. I lived in my old house for 3 years. In that time I was under the impression that buildings insurance was included in the service charge I pay every month. I have since found out that I wasn't covered at all! Imagine if something bad happened to my house, I could have been facing financial ruin! I don't want them to get away with this. Can I claim compensation? If so, how much? I owned the freehold of the house, it was on an estate with both freehold and leasehold properties. I have an e mail from them stating that Building insurance is included, and even a policy document, but it now turns out that it is for leasehold properties only, and I was misinformed.

How group insurance differs from else, and who can benefits / from where can i get the info.? Like 2 know details of Group Insurance. how the Clubs/Association are benefits?, premium will be same like life or cheaper?.

I want to study American insurance law? I am from Taiwan, I was working at Insurance association for almost 18 years, now I am permanent resident in U.S.A., I want to study American insurance law, is there a book read and understand it easily? please recommend me on this subject. Thank you!

What are some clubs I could join to get association group health insurance? I don't have group health insurance through my job, and I am being turned down for individual coverage due to pre-existing conditions. I know some clubs and non-profit organizations offer group insurance to their members- for example, the AARP offers it to members over the age of 50. I'm only 30, but I need health insurance. Please help! Actually I'm wrong, the AARP health insurance is individual coverage, not group coverage, which means they can deny people with pre-existing conditions. There must be SOME group coverage out there that people can join... but where is it?!?

My hot waterheater burst & water caused damage to the condo below. Should my liability insurance cover it? I have additional insurance beyond what the condo association covers. I have liability insurance and have filed a claim but they are saying it will most likely be denied because I was not negligent becuase as far as I knew the water heater was in good shape. My insurance company says that the owner below me needs to file their own claim with their insurance but she is refusing to do so saying that the damage was not caused by her. Is this how it is supposed to work?

Who, besides TWIA, is writing windstorm insurance in Galveston county, TX? I'm purchasing a new home in Galveston County, TX and am looking for an insurer who will provide wind & hail coverage without going through Texas Windstorm Insurance Association. I want to avoid TWIA because I've heard of lots of people who have problems with them and because their future is up in the air right now because they are basically bankrupt.

is it nessasary for in house homeowners association to have a lawyer and insurance?

Do I have the right to sue my association for singling me out of compensation from a class action lawsuit? I sued the developer of my house for faulty compaction of the soil, which lead to a cracked foundation, cracking walls, leaking windows, warped door frames, etc. It was a simple case, but because my lawyer was a complete idiot and wasn't familiar with key info during trial, we lost. I then got a lawyer to represent my community, and we went against the developer in a class action. The developer settled out of court, on the condition they would not compensate for our house because we previously sued and lost. The association accepted the offer and sent checks to all our neighbors, giving us nothing. Forgetting about the lack of ethics involved in that decision, does the board of the association have the right, the legal authority, to single my house out of the community when paying this settlement? Do I have a strong case against my association? They have a $1 million insurance policy and I plan to sue them for all they're worth. Any lawyers out there looking for a contingency case?

Homeowners association place lein on home right after purchase? I just bought a bank owned property and now I have a lien placed on it by the association for 3 years deliquint payment plus legal fees. Will title insurance cover or should Icall the seller first? The title seach came up clean at closing - aren't they supposed to search association fees also?

Can a condo association in Chicago, IL charge a flat special assessment to pay for the cost of insurance? Can a condo association charge a special assessment that is not split based on ownership percentage, but based on how many units there are? Does it matter what it will be used to pay for? If it's for insurance? Please help! To Wally Z: Number of units does not equate to % owned. The % is actually based on sq. ft. or % of building as stated in the condo declaration. The reason why I'm asking this is because the commercial unit(s) in a mixed residential condo account for a big % of the cost of insurance that does not equate to their sq. footage. Hence, to even out the cost a bit more fairly, I was wondering if it would be possible to pay for insurance via a special assessment based on a more fair representation than sq. footage.

Does New York Life Insurance have associations with AIG or Lehman Brothers?

What is Liability/ Fidelity Insurance for the Homeowner's Master Policy and all common areas? Buying my first home in a master-planned community. The commitment letter from the loan processor has listed a condition that I provide "evidence of Liability/Fidelity Insurance for the Homeoener's Master Policy and all common areas." When I searched the internet, this insurance looked like something condo associations have to purchase? Is this something additional I have to purchase above Homeowner's insurance? How much will it cost?

What are the most important things for buying a condo insurance? What are things that need to be included? What if something happens to the condo due to the fire caused by something inside the apartment? Who will cover that? Condo insurance or association master insurance?

Do student alumni associations typically offer options for health insurance? I'm about to get laid off from my job and am looking into alternative health insurance plans to COBRA.

is there a regulator i can talk to about home association and car insurance? detective

Is my homeowners insurance or the associations insurance responsible for outside gas pipe and gas meter? I live in a townhome and my gas meter and ballard post was hit by somebody who then took off resulting in damage to the gas pipe and the post blocking the gas pipe (ballard). My town home association says it is my responsibility to pay for these. I feel it is there responsibility because these damages are outside my actual house and therefore not covered by my townhome insurance. Who should be responsible for the repairs?

Where can I go to get event insurance as a vendor for county fairs, etc? I have become a distributor recently and am trying to market a new patented fuel saver at county and state fairs. It has come to my attention that I am required to carry liability insurance as a vendor naming the county or state fair association as a co-insured. Where can I go to find this type of insurance?

My condo association is eliminating the building wind & hail coverage. Will I have trouble selling? I live in Houston, TX and the insurance premiums for wind & hail hazard coverage has skyrocketted. Because of this, our condo association is considering eliminating the coverage from the building policy. I know that some mortgage companies require the association to have this coverage so will I have trouble selling?

Where can I find a financial adviser whose main business is not selling insurance? I am 64 and own my own small business. How do I find someone who is paid by the hour and has a deep and broad understanding of estate planning, when to start taking Social Security, etc, etc. I have heard that most "financial advisors" make money by selling insurance policies. I have nothing against insurancy policies but I want someone whose income is dependent on his real skills. Is there such a thing as a National Certified Financial Advisor association?

how much is hurrican insurance in Miami? I'm looking to buy. But a condo assocation fee is sooo expensive. Is it better to buy a house. If I buy a house on the beach, will the hurrican insurance be more expensive than the association fees? say I buy a normal house on the beach, roughly worth 300K, how much roughly per month would hurrican insurance be? Thanks all!

My HOA has a blanket insurance policy that has a $10,000 deduct. What other coverage do I need? I'm trying to buy supplemental homeowners insurance for my townhouse. My homeowners association has a blanket policy that cover the structure, however nothing inside the house is covered. Their deductible is $10,000. What other insurance coverage do I need and approximately how much personal property coverage would I need for a 3 bedroom/2 bath townhouse?

Expatriates - What Kind of International Health Insurance do You Have? I've been living abroad for 20 years now, and have depended on local national insurance. But now I'm looking for more comprehensive health and life insurance (got married, finally, a couple of years ago). I do a lot of travelling, and I soon I will relocate to another country. One medical Insurance plan I'm considering is called "International Health Insurance danmark" (IHI), part of an organization called "British United Provident Association" (BUPA). Has anyone heard of this? Or can you recommend any other companies? Thanks a million!

California - is it legal for attorney to contact you and not insurance company after auto accident? I was involved in a minor car accident - I scraped a parked car as I was pulling out. I called the cops, and provided my insurance information, and reported it to my carrier the day of the accident. I have gotten letters from an attorney representing the guy whose car I damaged, and I think this is illegal. Why would he contact me directly when he has my insurance information? I want to know if this is legal, and if it's not, how can I complain to the state bar association? Thank you for the responses. As to oklatom's rather snarky response, in what scenario is an individual meant to be contacted for damages when all insurance information was provided at the time of the incident and duly noted on the "property damange" report filled out by a police officer? It's my understanding that this is the point of having insurance, and providing proof of it at the scene, and attempts to contact an individual directly smell strongly of intimidation tactics to me.

if i took a online vet tech program as a full time student, will i still beable to be on my dads insurance? I want to be a vet tech, but their isn't any schools close to me, and i cannot afford to move and goto a university, so i am considering taking a vet tech program over the internet. But would i be able to stay on my dads health insurance? The school is accredited by the american veterinay medical association and by the national association of veterinary technicans of america. I would be going full time roughly around 17credits a semester.

If one out three Americans have no dental insurance, what are we going to do to change this situation? Yes, folks, this includes Republicans and Conservatives going without dental insurance. It means that 100 million out of 300 million Americans have no dental insurance, according to the American Dental Association. None of the first four answers have addressed the problem that one out of three Americans can't AFFORD dental insurance of any kind. This is the problem; Americans are unconscious when it comes to questions like this. They don't get it: we're in big, big trouble here, folks.

I would like to file suit against my Home Owner's Association. How should I proceed? I live in a small development of 50 homes in Florida. We have a Home Owner’s Association to which you must be a member. We have had some radical changes in the Property Insurance Coverage for our development due to the recent rash of hurricanes. The Home Owner’s Association has purchased a new policy for our Property Insurance with different coverage. I am told we now have no comprehensive coverage on the policy. I have asked the President of our Home Owner’s Association to provide me a copy of the Declaration of Coverage sheet from the new policy and he refuses to do so. Florida Statutes (Ref: Fla. Statute 720.303, paragraph 5, section (b)). In this statute it calls out for a possible punitive damage of $50 per day for a maximum of $500 in the event that a refusal like this takes place. I would like to take this matter to court but I am unsure if this is a matter for Small Claims Court or Civil Court. What is the best way to proceed?

Has anyone heard about "good samaritan insurance" where people are asked to lend coverage to others? I have just heard from someone that in California they are working on passing "good samaritan insurance" law that would enable anyone uninsured to borrow insurance from an insured person to get treatment. I have heard that Family Practitioners association is working on this with one of the senators. Is this true? Would'n the insureds' rates go up after it is used over and over? I have to pay a lot for my insurance on my own, and although my heart goes out to uninsured, I would not be able to pay more if my rates went up....would become one of them! If you have heard anything about it, please let me know.

What will happen if my homeowners association does not have earthquake insurance? I own a condominium in a complex in Utah, where we are due for a large earthquake in the next 50 years. I pay an HOA fee which covers insurance in the structure, water, and trash. I recently called our HOA accountant and she said that we do not purchase earthquake insurance. My question is this: what if a large earthquake hits and it is so powerful that our complex is destroyed? Since technically I own a small fraction of a percentage of the land here, what will happen? Do condo complexes usually rebuild even if they don't have earthquake insurance?

How much is flood insurance? and who is it that is used? Ok so Im doing a project and I have searched everywhere and they keep telling me to give all this information and I just dont want to be cause its a school project! So anyway can anyone tell me how much flood insurance is and who was/ is used with it ? (the company/ association?)

I have a sign that says "Hillsboro and Highland County Protective Association" What was this association? I saw another sign of this type for a different part of the state (Ohio) for Brice, Ohio. What were these protection associations? Were they community police organizations or were they more like an insurance cooperative for farmers?

How do I find out about insurance, death benefits, and so on after my unmarried brother died? Is there an (easy) way for me, the sole surviving sibling with deceased parents, to find out where/if my brother had insurance policies? His untimely death has thrown me into a "tizzy." I do not live in either the town or the state where he died and know very little information about this. Rummaging through his "packrat" apartment on the day of his memorial service for a couple hours turned up very little. Other than a trip across the country, where and what are my best resources? Also, how do we (me and my husband) find out about death benefits from any associations he belonged to?

Do I need liability insurance for student teaching? Which companies are good? I am a member of the Council for Exceptional Children and I can get liability insurance for student teaching for $15 but I can't read the contract ahead of time so I don't know if it is reliable or not. It is through Forrest T. Jones. I know Ohio Education Association offers it, but it would cost more because I would have to join. Any advice? I'd rather be safe than sorry. It covers lawsuits, for example if a child was to get hurt under my supervision or if the parent decided I harrassed their child, etc.

Career in Marine Insurance? How can I seek a career in Marine Insurance or Underwriting such as the london steamship owners mutual insurance association? My present background is that of a seafarer, sailing onboard tanker ships and I do not know of any Marine Insurance Courses?

How would you reform the US health insurance system? I am very leery of government control - I think the bureaucracy would waste dollars, and I'm extremely troubled by the idea of the government having so much control. I'd rather have my HMO cheat me than the government - at least there is one more than one HMO to belong to. But people who advocate government-run health care have a right to ask what the alternative is. I have a few ideas. 1) Make employer-supplied health insurance taxable income to the recipient, BUT offset the extra income with a credit for insurance. This would put people in charge of their own health care and keep them more in touch with what it costs. And the self-employed have to pay for insurance with after-tax dollars, which is unfair. Maybe employers would get out of this business somewhat. 2) Allow insurance companies more latitude to compete in a number of states. Increased competition should help some. Also encourage associations of private individuals to band together to buy insurance. (I'll have to continue this - stay tuned for more details!) 3) Reform the legal system. Punitive damages, contingency fees and the system of awarding attorneys' fees should all be on the table. (I'm a lawyer, and I have many criticisms of the legal system.) 4) Revisit tax policy - what incentives and/or penalties are needed for the insurance industry, the drug manufacturers, etc. 5) Enforce immigration laws to reduce the strain on medical facilities. 6) Coordinate with states and local governments to provide services targeted to the needs of the poor in those particular regions. Keep bureaucracy as minimal as possible. 7) Encourage charitable contributions to hospitals, etc. What's good about this list? what's bad? What did I leave out? Hey, it's a try. Thanks.

Can any INSURANCE COMPANY start & close & run away without any public notice in india ? Please guide where abouts of : AGRANI CONVERGENCE LIMITED (a Zee Tv Group Company) FS-20, Sector-16A, Noida, UP, India ------------------------------... They started different insurance programs in association with different PSU insurance companies. But now where is the company and who will take care of policies. Can IRDA or any other government agency can do any thing about it ? Is there any group who can guide us ???????

Live in Condo, Broken Water Main, Must File Insurance Claim Questions? Water main broke in early May (lets say May 4th) underneath sub floor of garden unit. At the time, the only insurance the association had was basic (policy held for nearly two years). Purchased an endorsement in mid-May (18th) that would cover the broken water main and the damage caused by such. Called insurance in late July (22nd) to file claim. Insurance person asks when did the damage occur. Can't really remember the date but you say mid-May (16th). A claims adjustor is supposed to call you within 24hours. 1) If endorsement is purchased after damage occured, will damage be covered? 2) What questions will the claims adjustor ask? 3) Typically, how long does it take to settle a claim? 4) Should a condo owner file a claim with his own homeowners insurance in addtion to the associations insurance?

Trying to Find Motorcycle Rental Insurance? I'm opening a motorcycle rental business. I need someone to insure my motorcycles when they are rented out. I'm in MD. This is a relatively new industry. The only insurance companies I can find, require you to join an association and that association requires one to use their $15,000 liscensing software. I'm not even sure if this is legal, but in the mean time, I need insurance!

Is there an organization I can join to get group health insurance rates? I am going to end my employer health insurance coverage if I can find a better one. Are there any associations or organizations one can join that provide members a way to join a group health insurance plan? I'm thinking of organizations like art organizations, or professional organizations.

What can collection agency in association with a Catholic hospital do to me for not paying? My son has been to the ER 7 times this year. 3 times to one Catholic hospital and 4 times to another Catholic hospital. All trips were results of his epilepsy where he suffered seizures and had dislocated his shoulder several times. My insurance thru my employer has paid their part. They are participating hospitals in my group plan. And now I owe one Hospital $1800.00 and the other one $2400.00 for the co-pays and deductible. I do not have the money to pay these debts as I am struggling to pay my high insurance premiums and as a single parent of 2 can barely make it from paycheck to paycheck. We live very thrifty and do without alot. There is a sign in the ER that says that they must treat everyone whether you can pay or not. I just got a letter from one of their collection agencies threatening to put a judgement against me.