Policy Ensurance
Compiled By Antone P. Braga
ISBN 0-939206-02-1 - Revised Edition © 2004
The property insurance book to accompany your insurance: you know what to expect
(home, business, automobile, boat, etc.)
- $ Owed You--Claims calculation and negotiation:
You know how much to expect.
- Glossary--Insurance language and jargon: You understand adjuster parlance in simple terms.
- Your Rights--How your insurance company should behave: You access privy rules that show what you deserve.
- Company Tactics--Ways insurance companies plan to win from their play book: You anticipate their strategy.
- Court Results--Actual claims of policyholders who took their insurance company to court: You gain valuable insight.
Available in major bookstores on the Web
Visit www.DisasterPrepared.net for more information
Welcome to the Awareness/Preparedness
Forum. It was created with the idea of having meaningful dialogue,
and having the public examine its own authority: authority routinely
given up by the public and routinely taken up by the company.
Although this forum is not accepting new posts, many insurance claim
problems and solutions are posted here, and can be searched by topic,
e.g., total loss, hail, etc.. The property claim field is one in which
references and case authority have a history to stay the same for many
decades. Meaningful, new developments will be posted as they become
known.
A
Disaster Prepared/Aftermath Forum has been created with helpful information, and for comments, experiences, and consequences of fire, tornado, hurricane, flood, earthquake, or other disaster.
Please refer your property claim questions
there for additional help.
Thanks for visiting!
-
A Post-mortem - the battle is history, best of luck
- TonyB 12:20:35 12/12/03 (
0)
-
Doctors' Right to Sue Insurers for Racketeering Upheld in Florida
Court
- Sure-Net.com 12:20:35 12/12/03 (
0)
- PROPERTY AND CASUALTY
INSURERSÍ PROFITS SURGE 189%
- Sure-Net.com 7:25:25 12/04/03 (
0)
- INSURANCE INDUSTRY OUT
OF CONTROL
- Sure-Net.com for Stephanie Hickman 6:30:25 8/18/03
( 0)
- HARTFORD FINANCIAL EARNINGS
NEARLY TRIPLE - "Hartford, like other insurers with property and casualty
lines, has benefited from rising rates..."
- Sure-Net.com 9:17:20 8/09/03 (
0)
- Calif. Insurance Commissioner
Garamendi: "abusive industry practices."
- Sure-Net.com 8:17:40 6/11/03 (
0)
- Insurance consumers up
against "Colossus"
- Sure-Net.com 7:42:48 5/17/03 (
0)
- A Proposal for GRASS-ACTION
LITIGATION against Allstate Insurance Co.
- Sure-Net.com for K. Kay Shearin14:07:22 4/08/03
( 0)
- An Eye On How The Consumer
Is Being Treated
- Sure-Net.com8:44:10 4/02/03 (
0)
- Insurance Companies' Group
Extols The Firing Of Insurance Consumer Advocate
- Sure-Net.com8:07:12 3/17/03 (
0)
- Fraud--Both Sides of the
Story
- Sure-Net.com12:34:20 2/17/03 (
0)
- Allstate Cuts Coverage,
Raises Premium Rates, Increases Profits $183 Million
- Sure-Net.com11:15:10 2/05/03 (
0)
- Commissioner Garamendi
Appeals Northridge Earthquake Settlement Decision
- Sure-Net.com6:15:10 1/15/03 (
0)
- Insurance companies, hand-in-hand
- Tony7:19:10 1/13/03 (
0)
- A keen understanding of
how things work on Capitol Hill
- Tony7:19:10 1/13/03 (
0)
- Total loss vehicle
- J. Friedman16:19:10 8/26/02 (
1)
- Replacement Vehicle
- Dennis Brunetti12:29:07 8/23/02 (
0)
- Consumer Protection
- Delia14:55:44 8/20/02 (
1)
- Report in C.L.U.E. raised
my auto rates.
- Janet14:39:41 7/26/02 (
1)
- STATEFARM .A+ or D+
- ripped19:57:38 7/25/02 (
1)
- Need help with life insurance
- Ann Lofton20:06:33 7/24/02 (
1)
- Claim denial on lightning
damage
- T Poston23:13:32 7/10/02 (
1)
- HELP PLEASE
- E. Luther17:42:08 7/09/02 (
1)
- Rental Car Reimbursement
- chris11:02:19 7/09/02 (
1)
- 81 Corvette
- Jim21:48:39 7/08/02 (
1)
- boat loss due to sinkage
I need insurance help
- bruce17:37:10 7/02/02 (
1)
- Hail damage claim denial
- Vitaly 13:31:52 7/02/02 (
1)
- Workman Comp. insurance
rates
- Susan09:06:10 6/28/02 (
1)
- Help me!
- Aggie13:11:38 6/25/02 (
1)
- Allstate-The worst insurance
company in the world
- Dawn11:20:08 6/24/02 (
1)
- Bad Faith
- Concerned Policy Holder04:56:20 6/21/02 (
2)
- 1994 Earthquake Claim Re-opening
refusal from 21st Century Insurance
- G.Brickson21:12:29 6/17/02 (
1)
- Coverage denial & pre-exisiting
conditions
- Lee12:05:17 6/12/02 (
2)
- all state insurance
- jim r21:59:13 6/11/02 (
2)
- BEWARE OF HARTFORD {INSURANCE}
- Loretta15:13:55 6/07/02 (
0)
- Awareness come lately
- Sure-Net.com11:38:11 5/27/02 (
0)
- State Farm: Black Water
Flood Restoration refusal.
- Bout to be burned15:42:20 5/19/02 (
1)
- Free Speech
- Tony07:54:58 5/17/02 (
0)
- Texas Updates Consumer
Insurance Bills of Rights
- Sure-Net.com03:50:37 5/17/02 (
1)
- 2 CLAIMS 1 COMP AND 1COLLISION
EXCEED CAR VALUE
- JERRY14:17:55 5/10/02 (
1)
- trying to get rignt amount
of cash from assurance company.
- linda white16:29:31 5/02/02 (
2)
- car damaged at parking
lot
- tripleb07:03:42 5/02/02 (
5)
- Insurance Co. wants dog
killed!
- David07:28:12 5/01/02 (
3)
- How do I recover Car rental
costs from an Insurance Co.?
- Dan21:16:24 4/30/102 (
1)
- hail damage to cement drive
- Richard Baker08:34:56 4/25/02 (
1)
- Auto Insurance and Misrepresentation.
- Charles18:52:34 4/15/02 (
3)
- Unfair Business Practices
By Auto Insurance Companies?
- Sure-Net.com06:00:29 4/12/02 (
0)
- How effective is the Insurance
Dept.
- maxine21:36:47 4/10/02 (
2)
- Rental expenses reimbursement
- Nick09:46:41 4/02/02 (
2)
- Homeowners claim for garbage
accident
- Karen Platnick13:31:19 3/29/02 (
1)
- property insurance claim
denied
- wanda11:36:55 3/28/02 (
1)
- Another ???
- Thomas02:41:16 3/28/02 (
1)
- Does Replacement Cost Include
Demolition?
- Howard Jones13:15:07 3/25/02 (
1)
- PROGRESSIVE ADJUSTORS'
SECURING FRAUDLENT RELEASES
- jerrybassett10:55:01 3/23/02 (
1)
- Motorcycle insurance
- Thomas04:44:44 3/20/02 (
1)
- notice of loss
- maxine21:04:44 3/16/02 (
1)
- Liability
- Maxine05:02:49 3/13/02 (
1)
- Auto Claim
- Matt11:31:58 3/05/02 (
1)
- cost of salvage
- Sue08:49:48 3/02/02 (
1)
- Sugar in Gas Tank
- Unique12:51:01 2/23/02 (
3)
- Can an AOAO be responsible
for property damage in a common area?
- Lily Lee13:11:36 2/07/02 (
1)
- Medical malpractice policy
holder's rights
- C. DeSarno, M.D.12:45:25 2/05/02 (
1)
- Adjusters Who Are Not Licensed
- Sure-Net.com06:02:32 2/04/02 (
0)
- How do insure my truck
is totalled?
- Andy T18:14:10 2/02/02 (
2)
- Total Loss or not?
- Jack01:27:02 1/31/02 (
6)
- HMO Cobra to HIPPA
- Donna Maciolek17:55:42 1/16/02 (
3)
- total loss..forced to hand
it over...any recourse?
- MG21:19:27 1/04/02 (6)
- BAD FAITH ETC.
- J.J.11:55:38 1/01/02 (
1)
- Is the insurance company
responsible for taxes and licensing of the replacement vehicle
- Chris Rico10:18:47 12/22/01 (
1)
- what leverage do i have
in negotiating a settlement?
- Chris Rico08:16:47 12/22/01 (
1)
- Nation's insurers dropping
coverage of acts of terrorism
- Sure-Net.com14:06:48 12/06/01 (
0)
- TAISEI F&M FAILS ON
SEPT ATTACKS IN U.S.
- Sure-Net.com03:07:45 11/26/01 (
0)
- WTC getting paid Actual
Cash Value?
- Sure-Net.com03:07:11 11/19/01 (
2)
- Pre-existing condition-Self-employed
individual
- TB11:06:56 11/16/01 (
1)
- property loss claim
- tim fischer02:41:07 11/09/01 (
1)
- Pre-existing health condition
- Sue05:17:24 11/06/01 (
1)
- Homeowners Ins. Claim Denied
- Alaquoes22:27:07 11/03/01 (
3)
- No fault auto total loss
questions:
- vincent13:03:33 10/18/01 (
1)
- Health Insurance with Diabetes
- Caine Bergenti13:07:25 10/14/01 (
5)
- Homeowners Association
as "Additional Ins" or "Loss Payee"
- Phil Brougham08:50:28 10/14/01 (
2)
- Homeowners through Farmers
- Cindy12:42:16 10/10/01 (
1)
- Blank checks for insurance
industry?
- Sure-Net.com04:19:43 10/10/01 (
0)
- pre-existing condition
and cancer follow-up
- Pam18:21:54 10/01/101 (
1)
- Inurer shills on this board
- and proven cheating by insurers
- Art13:03:34 9/27/01 (
0)
- INSURERS: WTC ATTACK NOT
ACT OF WAR
- Sure-Net.com03:20:45 9/17/01 (
1)
- Lawyer/Adjuster in worker
comp case given 4-year prison sentence
- Sure-Net.com17:25:59 9/06/01 (
0)
- no-fault/arbitration/ny
- Richard11:37:22 8/09/01 (
0)
- Our Insurance company is
making us homeless!
- Anne21:10:00 8/07/01 (
1)
- A good neighbor is sometimes
hard to find
- Sure-Net.com10:39:21 8/07/01 (
0)
- 1994 Northridge Earthquake
Claims
- Angie20:55:28 8/03/01 (
2)
- total loss or fixable?
- R. White05:24:59 8/03/01 (
8)
- claim
- Kathy18:44:50 7/24/01 (
1)
-
Re: claim
- Sure-Net.com05:18:34 7/30/101 (
0)
- traffic death and auto
claim.
- Judy17:41:49 7/16/01 (
2)
- coverage for discrimination
lawsuit
- Hollis07:02:21 7/14/01 (
1)
- Insurance
- Norman Cutler15:27:16 7/12/01 (
2)
- insurance settlement
- Jen06:22:59 7/12/01 (
1)
- Vulnerable Public
- Sure-Net.com04:45:13 7/08/01 (
0)
- Pre-ex condition (cataract)
- Mark20:00:50 7/03/01 (
1)
- Re: Insurance Adjuster
Standards for Hail Damage
- Tony Braga09:17:53 6/07/01 (
7)
- Pre existing
- John10:17:44 5/20/01 (
0)
- Broker's fee
- TAK10:09:55 5/10/01 (
0)
- RE: Should have totalled,
sloppy unsafe work
- Sure-Net.com15:08:57 5/09/01 (
2)
- STUDENT SURVEY on HMOs
- Brooke14:12:23 5/04/01 (
2)
- Loss of Continuity
- Sure-Net.com15:33:38 4/19/01 (
0)
- Pre-Existing Condition
- Need Insurance !!!
- Peter Anthony13:14:30 4/17/01 (
2)
- Pre-existing conditions
- JJ10:05:01 4/12/101 (
1)
- VEHICLE: Actual Cash Value
- Riley Walker14:43:11 4/06/01 (
1)
- Manulife Financial SUCKS!!!
- Ken Graham14:11:16 4/05/01 (
7)
- complaint against amer.
gen. life ins. co.
- richard and charlette thompson11:34:30 3/24/01
( 2)
- Necessity overrides specific
exclusion
- Sheldon Weinhaus19:40:42 3/22/01 (
0)
- INSURANCE GROUP TO LAUNCH
ADS AGAINST RIGHT TO SUE
- Sure-Net.com06:50:23 3/21/01 (
1)
- Lapse in coverage
- Patonya Hamp17:32:31 3/14/101 (
1)
- preexisting condition
- Insurance Guru07:39:54 3/08/01 (
1)
- A Post-mortem
- Tony Braga22:53:38 3/06/01 (
1)
- insurance with cancer
- christel shultz17:48:43 3/02/01 (
2)
- Acquisition -Domestic Partners
- George Gray14:09:15 2/21/01 (
1)
- ALLSTATE LIABLE FOR MISLEADING
CONSUMERS-WSJ
- Sure-Net.com06:28:48 1/26/01 (
0)
- pre-existing condition,
company folds...
- cp16:12:58 1/24/01 (1)
- help
- Sure-Net.com for Shamain Webster22:32:58 1/22/01
( 0)
- Health Insurance for Cancer
Patient
- aramna beck00:24:09 1/16/01 (
0)
- GE CAPITAL CORPORATION
AND COMBINED INSURANCE COMPANY OF AMERICA
- EDWARD EUGENE BASKETT07:26:49 12/26/00 (
1)
- progressive insurance lawsuits
- darcelle kennedy21:02:10 12/16/00 (
10)
- CALIF. OFFICIALS SEEK TO
VOID INSURANCE SETTLEMENTS
- Sure-Net.com05:57:34 11/22/00 (
1)
- Allstate not providing
defense or coverage
- John Dee08:01:33 11/01/00 (
2)
- can they make me take it
back
- tswann06:14:42 10/23/00 (
3)
- Pre-Exisiting Conditions
and Job Switches
- David06:36:03 10/02/00 (
3)
- need answers: COBRA , changing
jobs and pre-existing cond.
- james21:03:42 9/16/00 (
1)
- Auto Insurer fails to settle,
saying auto changed ownership
- Cora11:46:02 9/04/100 (
1)
- State Farm E/Q Ins. re:Northridge
quake
- Syl13:06:35 9/02/100 (
0)
- Replacement of Existing
- Chadan12:25:03 8/14/00 (
1)
- MANY INSURED ADULTS CAN'T
AFFORD HEALTHCARE
- Sure-Net.com04:22:10 8/14/00 (
0)
- REGULATORS SCRUTINIZE STATE
FARM
- Sure-Net.com03:48:13 8/07/100 (
0)
- Auto flood damage
- Ellen15:23:10 7/30/00 (
1)
- Car loss covered under
home owners policy?
- Adrian04:59:12 7/22/00 (
1)
- CALIFORNIA INSURANCE CHIEF
RESIGNS IN SCANDAL
- Sure-Net06:40:12 7/09/00 (
1)
- The Rainmaker
- Sure-Net15:19:00 6/26/00 (
1)
- On-going auto claims
- D. Landrum10:32:12 5/22/00 (
1)
- marine insurance claim
denial
- Ron Belcher18:18:23 4/25/00 (
1)
- NJ Ins. Commish Puts and
End to a Sham
- Charlie Barone14:39:57 4/09/00 (
0)
- Flood Insurance
- Robert Mc Bride11:47:58 4/02/00 (
0)
- AUTO THEFT-LATE PAYMENT-REJECTED
CLAIM
- NANCY01:37:38 3/30/00 (
1)
- Loss Payee/Additional Insured
- Commercial Building
- Steve G.06:43:47 3/11/00 (
1)
- insurance settlement
- Bill06:05:36 3/11/00 (
2)
- RELOCATION FOR SUPPORTIVE
PURPOSES DURING ILLNESS AND FINDING COVERAGE
- JENNIFER ZIMMERMAN04:42:07 3/11/00 (
1)
- homeowners insurance rates
- LOLA BEYER04:33:49 3/11/00 (
1)
- RISE IN INSURANCE FAILURES
COULD CONTINUE
- Sure-Net.com03:47:18 3/11/00 (
0)
- Consumers asked to boycot
Transamerica
- Sure-Net.com14:04:17 12/14/99 (
1)
- State Farm whistle-blowing
agents
- Sure-Net.com02:57:02 12/13/99 (
1)
- Seniors' high out-of-pocket
- Sure-Net.com17:21:43 12/11/99 (
0)
- Fraud - California style
- Sure-Net.com16:48:42 12/11/99 (
3)
- Best early option
- Sure-Net.com16:24:01 12/01/99 (
0)
- Allstate Cuts
- Sure-Net.com14:51:08 11/12/99 (
1)
- Homebuyer's Warranty Insurance
- Joan M. Scott02:14:42 11/12/99 (
0)
- First Line of Satisfaction
- Sure-Net18:09:59 11/02/99 (
2)
- Negotiating the negotiating
disadvantage
- Sure-Net05:52:08 10/31/99 (
0)
- Brass Tacks
- Tony05:05:15 10/16/99 (
0)
- Burglary
- Sure-Net15:15:58 10/13/99 (
0)
- Parking Lot Blues
- Sure-Net14:42:59 10/13/99 (
2)
- Public Adjuster vs. Company
Adjuster
- Sure-Net15:48:53 10/11/99 (
1)
- home owners ins.
- PATRICK MCKENNA08:36:51 10/07/99 (
4)
- Son's vandalisim
- Guy Austin09:14:45 10/04/99 (
4)
- Re: Class Action, I have
a complaint what do I do?
- Sure-Net.com03:35:52 8/05/01 (
0)
- auto replacement after
accident
- Sam09:03:47 9/30/99 (
4)
- Advocacy grop seeks info
on insurance/HMO abuses
- Harvey Rosenfield15:57:47 9/24/99 (
3)
- Pre-existing condition
and Health Insurance
- Jack21:31:09 9/19/99 (
11)
- Boat Fire - Insurance
- Nicole17:01:34 9/19/99 (
2)
- Misinformed Public
- Jon07:03:54 8/31/99 (
11)
- Setback
- Sure-Net.com15:39:28 8/14/99 (
1)
- Making whole
- Sure-Net.com04:28:04 7/31/99 (
0)
- Adjuster's License
- Sure-Net.com16:50:40 7/04/99 (
2)
- Father's dilema
- Kerrie09:18:23 6/25/99 (
1)
- Policyholders DO Have Rights
- Tony16:18:35 5/31/99 (
1)
- Run Around
- Sure-Net.com15:34:42 2/20/99 (
0)
- Burned by Stae Farm
- B. Gersch05:15:37 12/27/98 (
9)
- loss payee / additional
insureds
- Jesse Baker19:49:25 12/07/98 (
1)
- Thank you
- E. Frank Harrison Jr 09:06:12 11/25/98 (
2)
- COBRA
- KIM CHITTENDEN20:54:35 11/16/98 (
1)
-
Re: COBRA
- Sure-Net.com02:06:54 11/18/98 (
0)
- Job changes after illness
- Bill21:00:23 10/27/98 (
2)
- Repost
- sure-net03:18:59 10/11/98 (
2)
- Puh-lease
- Janice19:00:16 9/04/98 (
2)
- Betterment charges for engine
components
- Steve Bachman18:18:29 9/04/98 (
3)
- state farm insurance settlement
,whole life and universal policy issued from 1982 to1997
- lawrence m gaines09:19:51 9/04/98 (
1)
- Knowledge is everything
- Jack Deaner17:14:36 8/28/98 (
0)
- COBRA
- DEBORAH THOMAS08:26:17 8/28/98 (
3)
-
Re: COBRA
- cobrahealth.com09:00:09 4/09/01 (
0)
- Re: COBRA
- sure-net.com10:16:58 8/29/98 (
0)
- Re: COBRA
- sure-net.com14:53:01 8/28/98 (
0)
- Auto Transmission Depreciated
Repair From Flood
- S.D.Stanley18:47:58 8/23/98 (
5)
- Theft coverage regarding
lease car
- R. Henry09:39:06 8/22/98 (
4)
- Replacement Cost Coverage
vs. Actual Cash Value
- sure-net.com16:50:45 8/20/98 (
1)
- auto claims
- sure-net.com16:44:26 8/20/98 (
2)
- auto audio equipment
- Ken Correnti20:58:58 8/19/98 (
0)
- nj insurance reform
- pete15:30:10 8/19/98 (
3)
- EARTHQUAKE INS IN CALIF
- DK09:46:56 8/19/98 (3)
- deductible waived...?
- R. Schultz09:43:53 8/19/98 (
4)
- are insurance companys "rated"
- Brooke Warner09:46:34 8/16/98 (
11)
- Health Insurance: COBRA
- Sheldon Weinhaus10:42:06 7/14/98 (
9)
- Best way to educate and protect?
- sure-net.com15:20:45 7/01/98 (
2)
© 1991-2006 Antone P. Braga
