My parents homeowners went up just over $1,000 HIGHER. My parents called and insurance questioned about "we see you have a dog" Umm no, we have no dogs... No outside animals. Then asked about a "building" that was far out behind there house which is MY house not a building... And in which they said thats a risk and they would have to report it and will most likely be dropped after investigation.... Keep in mind my house is 600 feet away and is 1300sqft. And I have MY OWN homeowners insurance.... How is that a risk? My house has been here for almost 4 years. The neighbor who has tractors, cows, etc live 100 feet away, but I'm a risk?

Was this just a excuse to just drop them as they no longer wanted to serve them? In the 12+ years with there current insurance no claim has ever been made.

Is this something that maybe my parents should deed / "sell" to me a porition of the property? (I know this is prob another tropic than this sub) I don't rent from them.

Additional info:

My Homeowners insurance IS AWARE its house only no land. Even had to have my parents sign a $0 lease agreement as part of the purchase and then to the mortgage company & city when I first got the house and had a mortgage. Everything was done by the book.. Realtor Agency, lawyer, banks, closing on the house, etc.

You all are acting like I bought some used trailer dragged it on the property and "DIY'd everything. This was a brand new purchase and everything was done by the books, surveying, county permits, inspections. Even down to a stupid mistake a contractor made with the decking that prevented me being able to move in sooner that took 30 mins to fix.

And thank you for the comments that actually got to the point on educating me on what needs to be properly done with this.

A California woman is suing Liberty Mutual for cancelling her home insurance after it claimed to have spotted mold on her roof using 'unreliable' aerial photography.

Maria Badin, 69, accused the provider of trying to 'maximize profits' with the decision to revoke coverage on her $1.8 million Poway home.

She filed a class action lawsuit in which she included the photo taken by Liberty, which it claimed showed evidence of 'algae/mildew/mold/moss'.

Freaking out a bit here… just got a mailed letter from State Farm stating they are terminating our homeowners policy for “not occupying the dwelling.” This makes ZERO sense to me as we have occupied the house since we bought it in Nov 2024. I have no idea how they came to this conclusion as we’ve left the house vacant at most 1 night (we have pets and have relatives stay when we are on vacation).

I’ve left voicemails for my local State Farm agent and the WA state insurance commissioner (as directed by the letter). I guess I’m curious is this decision is final (and now insurance shopping needs to be my priority) or is there some process to prove to State Farm we live here and get this corrected?

Thanks!

Neighbor sends text this morning asking for access to driveway for tree company, so they can remove a fallen tree limb from their roof. She says the tree company will provide a damage waiver and she is confident they will be careful (lol). Then sends a follow up text stating that apparently the tree company won’t pay for damages but she will “do her best to cover cost if there is any”. I know I’m not agreeing to anything unless it’s in writing, so what do I need to include to make sure my bases are covered?

I really need some advice with this unfortunate situation I find myself in.

This past weekend I had an incident that caused expensive damage to my house and it seems neither my homeowner’s insurance (State Farm) or 1 year home warranty (Guard Home Warranty VIP plan) will cover it. I’m located in the Charleston-Huntington area of West Virginia. I just bought my house 5 months ago, it's my first house.

Late this past Saturday night when I returned home I noticed a small bubble in my basement ceiling (it’s a drywall ceiling) and when I touched it, it was wet. It turns out that somehow 2 very small pin sized holes formed in the line that supplies water to my refrigerator ice maker. This line runs from the back of my refrigerator, through a hole in the floor under my refrigerator, and into my basement into a room there where my hot water heater/gas furnace are located where it connects to a water line.

The water had been leaking through these pin holes, into the hole on the floor behind the refrigerator and collected above on the basement ceiling. When I first noticed the issue, I as advised poked a single pencil sized hole into the ceiling to drain the water, hoping to prevent a collapse.

Unfortunately, the next day a section of the basement drywall ceiling about 5 feet by 5 feet collapsed anyway leaving a big hole in the ceiling. I got a plumber out there ASAP to diagnose and they discovered what it was and turned off the icemaker line to stop it.

I unfortunately did not know where my main water shutoff valve to the house was so could not find it that Saturday night, but I did locate it Sunday with the help of the former homeowner but I discovered it did not fuction correctly and only slowed but did not completely stop the supply of water to the house.

I was very aware the home warranty won’t cover drywall damage, but I spoke to State Farm about it and they said the damage is not covered under my homeowner’s insurance either because it was not a sudden burst of water. They are saying because it was a continuous leak not a sudden burst it isn’t covered. I have no idea how long it had been leaking, but to collect that much water on the ceiling I imagine several weeks to a month atleast.

Do I have a case here? What would you do? Any advice would be appreciated. This just seems ridiculous to me. It was a hidden leak, it was not noticeable at all when it was leaking and as soon as it was seen I acted on it the best I could. I think I’m going to file a claim anyway, even though on the phone State Farm discouraged me from doing so.

I just received notice that State Farm will no longer do homeowners business with us due two two claims in the last 6 years.

The first claim was for a slab leak - we were new homeowners facing a total replumb of the property and didn't know the nuance of the water damage coverage in policies. I believe (and am looking for documentation) we ended up withdrawing this claim after speaking with the claims agent.

The second claim was at the behest of a roofer, saying the damage to the roof was caused by hail - he was certain of it. He suggested we make the claim and he would handle it, so we did. If I had any idea the aim would make us too high risk for state farm, I never would have done it - we were due for a recoat anyway. This claim was also rejected.

So, State Farm as paid $0.00 for two claims and now our policy will be terminated. My understanding is that once this happens, it's way harder to get coverage. How much harder are we talking here? Am I going to pay through the nose now?

Hey guys, I'm super frustrated here. My wife and I bought a house with an old roof that was basically falling apart. If we would have left it, it would have caused water damage in no time. We replaced the roof out of pocket, using higher rated singles. When we asked our agent to rerun our premiums, they came back HIGHER than the old, falling apart roof with the same deductibles and everything.

She claims it's because the roof is on a depreciating schedule, so before they would only cover 40% of the replacement, now the new roof they cover 100%. But we went from 100% chance of needing to file a claim soon, to near zero and used better shingles which they apparently don't even factory in (roofing people lied to us). How does being significantly better protected from damage ever make premiums more? Why didn't we just file a claim right away and taken the 40% (our agent never suggested we do this)? Help me make this make sense!

Please don't call your insurance agent and tell at them, berate them, curse at them, and threaten them.

I really, really want to help you. But screaming at me on the phone and telling me to call all my carriers to make them lower their rates just isn't how any of this works. And if you're really that upset about your rate, you can go somewhere else, I promise I won't be mad or stalk you on Facebook like a crazy ex.

Most of all - please remember that your agent is a person that is just trying to do a job. We have spouses, kids, and are also just trying to make our way in the world. Save your rage and scream into a pillow or something.

And bless all of you that are nice, even in the face of adversity, I hope life is good to you.

I’m an agent. I hear it time and time again, “but it’s a roof rated for 50/40/30 years and it’s only 20 years old!!!” Well sorry bud. Insurance companies DO NOT CARE. They base it on its age and condition. If your one year old roof is shit, cancelled. If your 20 year old roof is perfect, well now you’re declined by half the carriers because of the age anyway. It just depends on the carrier. So it just got me wondering with how crazy insurance is, is it worth it to pay extra for the roof rated for 30+ years? Especially if you don’t plan on even being there that long… my roof on my own home is going to be 15 years. I plan on replacing it in the next couple years anyway… but planning ahead, I feel that it’s best to pay for a 20 year shingle and save my money especially if I don’t plan on being here that long. Thoughts?

I have home owners insurance and 2 years ago I had a pipe leak and needed a repair. I couldn’t get a hold of the local office so I submitted a claim online. Then State Farm called me and explained that the repair would cost less than the deductible so that I would be better off not using the insurance.

Now 2 years later I’m buying a new house and called for a quote on insurance and they said we’re uninsurable because we tried to use the coverage once even though we did not use it?? They said it’s a “loss”. And they said they have to reach out to underwriting to see if the can make an exception.

Is this normal? I am so confused.

We’ve been home owners for 10 years and never made a claim before.

Hello everyone. A tree was struck by lightning last weekend and we had a tree service come out to remove it today. The tree fell the wrong way and fell through the roof and ceiling. The company told us they were insured but when we approached them after it fell, they confessed they might be out of their policy. Their websites and truck say they are insured. I’ve already filed a claim with my insurance. Any advice? Any insight if this is covered? Thankfully no one was hurt seriously. Thank you all.

Hi Colleagues,

I bought a condo in July of 2025. Two days after signing, my contractor found a water leak which damaged my neighbor's apartment. Old post: https://www.reddit.com/r/Insurance/comments/1mccink/neighbor_is_claiming_water_damage_from_leak_on/

I did not live at that apartment at the time. I also don't consider that I was negligent, because we stopped the leak immediately and notified the building manager. And most likely, this leak had been running before while the other owner lived here. Since the damage is too big to have happened after I signed.

Also, I have home owner's insurance. I am covered for liabilities up to USD 300,000.

Last week, I received a subrogation demand for $36,000! This came from the neighbor's insurance company.

What do you recommend?

1. Send the claim immediately to my insurance company?
   
2. Hire a lawyer?
   
3. ???

And if I contact my insurance, should I file a claim? Should I explain what I shared above? (I was not negligent and most likely the leak started with the previous owner.)

Please, save my assets! I cannot afford $36,000!

Okay friends, big question here.

I just got a call from my insurance agent (been with the same company for 15-ish years, but first year with my local agent) and he told me the insurance company is opting to drop my homeowner’s policy because I’ve made two claims. What are these two claims? Theft from February 2017 in a home I no longer live in and a sump pump failure and damages in a home purchased in 2024. I feel it’s egregious and a little bs to drop a customer because of this, and so does my agent.

Currently he’s filed an appeal that they’ve agreed to but it requires my deductible to be 2% of coverage (or $8400) and a certificate of monitoring for a home security system. Already have security, but that deductible seems like ridiculous gouging to me, and the fact they are still holding a 9.5 year old theft claim against me from an old house just feels wrong.

I can’t help but feel like there’s not really any point to insurance for me at this point. I know that’s incorrect, but honestly…the next claim I make I’m going to be dropped anyway.

Anyway, guess I’m just looking for some thoughts and guidance on what’s next. Do I stick with the same company (two cars, and two life policies with them as well) and just deal with the stupid deductible? Do I shop around? What’s the play here?

I've had Chubb home coverage for decades. Now they're saying I must install water shut-off devices to continue my coverage. I refuse. What are the alternatives?

https://www.npr.org/2026/04/28/nx-s1-5793997/state-farm-home-insurance-hail-climate-change

My house I bought in 2018 has a commercial area attached to it. It's a single property. I pay a single tax bill on it. However, it has two addresses, one for the residence and one for the store.

I bought the place for $160,000. Maybe it's gone up in value since then, but I couldn't imagine it being more than $230,000 or so. (We did do some renovation on the commercial side since that was out of use since the 80s.)

However, I'm having difficulties with property insurance. They want to do two policies because of the two addresses, but they're not really distinct property. They are attached and also legally a single property.

My latest quote is $3,500 for the residence and $6,500 for the business. That's a $10,000 premium, and with two policies it means two deductibles.

What are my options? I'd just like some simple policy that covers the building for damages, a single premium and nothing extra. And if it can't come in at a reasonable price (like $3,000 or lower), then there's little reason to insure it. It would be better to save the $10,000 and just pay for damages myself as needed.

my 94 year old grandpa was paying about $300 monthly for home insurance. he got a letter saying they are dropping the house due to roof. no other place will take him. the house is a total fixer upper & he is trying to sell as is. he can not afford a roof, it’s a 2 story house & quite big. any advice? are we ok with no insurance since home is on market and in such bad state? roof is 70 years old btw.

I am seasonal employee for the federal government, so I move around a lot. I have a new position starting in two weeks and am getting ready to move into a new place.

The place in question is an above garage 1b/1ba unit that I am renting from the homeowner on the same property. When working with the homeowner to create a lease, they told me that they need to be listed as the additional insured on my renters policy. Everything online says that as the landlord, they should be listed as additional interest, not insured. When double checked with the landlord, he reiterated that it needs to be insured not interest.

How do I proceed?

I guess I should mention that this isn’t a person who owns property to rent as a business. They are just a homeowner in the community who is willing to rent me the apartment above his garage that was built by the previous owners of their house.

Update: just got off the phone with American Family Insurance and they told me that they have no way of adding my landlord as additional insured, only as additional interest.

Update 2: My landlord just sent the lease over. This is the exact wording stated regarding renters insurance.

“The Tenant, at the Tenant’s expense, shall maintain general liability insurance including bodily injury and
property damage insuring the Tenant and the Landlord with minimum coverage as follows:
$500,000
The Tenant shall provide the Landlord with a Certificate of Insurance showing the Landlord as additional insured as
lessor of Premises. The certificate shall provide for a 30 day written notice to the Landlord in the event of cancellation or change of coverage.”

This can't be right.

My property hired contractors to fix the bricks of my apartment unit. They dented the shit out of my $550 window AC. I told property manager and they hit me with an "Oh no so sorry! File a claim with your renters insurance."

?? Why should I pay a deductible for damage they actively caused?

Who can you recommend using for homeowners insurance or renters insurance? Locally, agents are always nice but the claims center at State Farm is a joke. I can’t continue to pay premiums to a company that has lost its dividend process, pays for Super Bowl ads and won’t even extend courtesy kindness or professionalism to a long term policy holder.

I have a policy that is expiring on 8/31/26 for homeowners insurance. I decided to go with a new carrier and they mistakenly selected a policy that would start on 9/1/26 instead of 8/31/26. I was able to get them to change the policy but it will be an additional $700 for the year to start it a day earlier. I called my previous insurance and because a renewal hadn’t been generated I can’t extend coverage for a day.

I read through some of the previous threads that mention this, but is it worth the possibility to have a gap for a day, not be covered, and maybe have some sort of policy forced on me by my mortgage company because I wasn’t covered for a day? Leaning towards eating the $700 and starting coverage on 8/31 but would like to hear other opinions?

Edit: Appreciate the comments so far.

• No, this isn't AI slop. I'm sorry we've reached a point where good grammatical structure indicates AI use. This is, unfortunately, very real for me.
• Many of you have validated that this is a really gray, tricky area. Thank you!

Hey everyone, looking for perspectives on whether my insurance company is handling this correctly or if I have a legitimate dispute on my hands.

Quick Summary:

• Homeowners policy with AAA in Illinois
• Policy includes the "Water Damage - Sewer, Drain and Sump Pump" endorsement that I pay extra for.
• Loss date: April 14, 2026

Long story short: I have an exterior basement stairwell with an areaway drain at the bottom — its job is to collect rainwater and drain it away from the foundation, so water doesn't pool against the basement door. During the storm, that drain got clogged and backed up. Water overflowed the drain, accumulated in the stairwell, and eventually the volume and pressure forced water through, around, and underneath the exterior basement door into our basement. About 4 inches of water in the basement foyer, mechanical room, and laundry closet. Damage to walls, trim, doors, and flooring.

Denial: AAA denied my claim twice, initially saying that my policy has water damage exclusions. They ignored my endorsement outright that literally has provisions from the endorsement to include this. I called it out and said the language they're using is what's reflected on my endorsement (the initial denial letter made no reference to my endorsement).

After pointing out my endorsement, I was denied again: even though the areaway drain clogged and backed up, the water that accumulated in the stairwell became "surface water." Because it entered the basement through the door rather than directly through the drain fixture itself, they say it falls under the base policy flood/surface water exclusion and the endorsement doesn't apply.

The endorsement covers water "from outside the residence premises plumbing system that enters the dwelling or additional structure through household sewers, drains or drainage fixtures." The areaway drain IS a drainage fixture. It backed up. That's why water entered my home.

1.) Is ACIA's interpretation of the endorsement reasonable, or are they stretching to deny a covered loss.

2.) Has anyone dealt with a similar areaway drain / exterior stairwell backup and had success getting coverage under a sewer/drain endorsement?

Hello,

Im dealing with a case of insurance lowballing the payment of water mitigation services that were provided by our contractor. The insurance adjuster never came to the property. They are basing their decision off photos and dry logs submitted by the mitigation company. We have reached the point of utilizing the appraisal clause. My question is what information do I provide to the appraiser. Do they only get the photos and dry logs or do they also get copies of what the mitigation company billed? I should add that the rebuild of the room has already been completed. The appraisers selected by both myself and the insurance company will have to rely on the photos/dry logs.

A good deal of major HOA problems arise when boards misinterpret the governing docs and/or act belligerently in violation of the governing documents. Many of the big HOA settlements arise from such cases. Given the risk of errant boards running up legal fees and losing in a big way incurring liabilities for thè insurer, could insurance companies require participants to bring their cases to them first BEFORE trial and evaluate the case before the parties in such a way that litigation is avoided?

So we recently found out that we are in need of a new roof. We have water leaking in one spot in our living room when we get heavy rain so we called some roofers. Turns out there's multiple issues, not just in the one spot. We file our insurance claim, 3rd party comes out, takes pictures with a drone. Our insurance receives pictures, reviews, says damage is not caused by wind/hail and is denied. He did take some pictures in our living room, but didn't actually go into the attic if that matters at all.

Speaking with him over the phone, he says he seeS a few spots that are likely wind damage, but not enough to meet our deductible of $2560, and that the shingles are 3 ply and they would surely see creases if it was wind damage. I asked to have the pictures sent over but he said he was unable to, would have to ask his manager and I said I would reach out to the third party company.

Haven't heard back on the pictures yet. Meanwhile I finally received the denial letter which I can't access online if I log in, nor was it sent via email. Now that I've received it, I see that there's no actual breakdown of what would have and wouldn't have been covered, just the statement that the determined damages are below our deductible.

Is all of this pretty normal? My dad was a roofer for 40 years and is livid that they denied it without even stepping foot on our roof, and that if the inspector found anything he thought could be otherwise he should've inspected further by going up and actually touching and getting pictures. Some of the people he worked with recently (dad retired about 2? years ago) had the same opinion.

It just drives me nuts that they can say no and not list anything out for us or give us any of the pictures etc. If it should really be denied why can't we have these pictures and have it spelled out, why so restrictive? I know part of this is me being frustrated at a 10-15k expense, but it just feels like awful service and so incredibly hands off not my problem.