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?

My wife and I are in our early 30s. We own our house and have 1 car. Live in a quiet street. No pool, no "toys", no kids. Don't have a ton of people over. Were encouraged by our agent to have umbrella. The premium would be $400+ for a million dollars. My current car is 250/500 and the house is 300 or 500 I believe for coverages.

I chatted with my grandfather and he said that an umbrella is a great thing for those who's assets exceed what the coverage on their other insurance is, primarily to protect against being sued. I don't own my own business and my assets aren't that high.

I'd love everyone's opinions. If I don't need it, I'd like to save the $400 but I'm also ok paying it if the policy is actually helpful.

Edit: lots of great advice. Appreciate it. A point of clarification is that my retirement is mostly in Roth IRAs which seems to be more available in suits as compared to 401k.

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!

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?

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’ve carried an umbrella policy for $1M for quite a few years, but just got my bills for umbrella, homeowners and auto and everything went up, with a big jump for the umbrella policy. I’m wondering if I should drop it, and just raise the liability limit on the auto.

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.

I am currently insured through state farm. The dwelling coverage I have is 277k. The resale value of my home is probably around 350k. I'm north of Atlanta in Georgia.

Costco's insurance wanted to do dwelling coverage for 600k with an additional dwelling coverage amount of 175k. That is absolutely insane. I called because that's definitely wrong.. the most I've seen when doing other quotes is 400k dwelling coverage when I did a quote with progressive but generally when I do quotes I'm getting around the same dwelling coverage.

I called to ask if they have something wrong and no, all the details on my house are correct. When I told them my current coverage they said that my current insurer probably has something saved wrong and that's why it's so low. I know it doesn't because I went through it all when I signed up for the policy a couple years ago.

Is this normal? Did construction costs shoot up like crazy over the last couple years? Is Costco high?? Should I have a higher dwelling coverage? I just don't believe it would actually cost nearly double the worth of my home to rebuild it.

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.

A neighbor is trying to replace his roof through an insurance claim for hail damage. A roofing company stopped by my house asking me if I wanted to explore the option of hail damage claim, because according to their info, there was a significant hail in my area last year. They found some spots on the roof and how salesmen explained to me, very good potential for insurance to pay for replacement. They used a 10x10 square method to show damage amounts.

My roof is about 15 years old, I'm not 100% but we bought a house 4 years ago and I was told it's about 10 years then, the insurance guy said it looks about to be 15 years old for my area.

My question is if it's worth even trying to go through insurance now or should I wait? Will my insurance go up? Salesman was talking about full replacement value or partial depending on the age of the roof, how do I find that out?

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!

Looking for some advice before I formally open a homeowners claim.
We’re in NJ and have homeowners insurance through Hanover with a $1,000 deductible.
Last night, a bathroom faucet upstairs was accidentally left running and overflowed onto the bathroom floor. Water eventually came through the ceiling on the floor below. We shut the water off, cleaned everything up, and the dripping has stopped.
Roto-Rooter came out and inspected it. They used a thermal camera and showed some cooler/blue areas around the ceiling/walls, but I don’t remember them showing me actual moisture-meter readings.
They quoted about **$4,600 for water mitigation**, which includes removing the affected drywall, drying equipment, cleanup, etc. That does **not** include repairing/patching and repainting the ceiling afterward, so I’m guessing the total loss could end up around **$5,500–$7,000**.
Roto-Rooter recommended going through insurance because of the cost.
My questions:

With a $1,000 deductible and potentially \~$5–7k total damage, would you file a claim or pay out of pocket?

How much should I worry about a single water claim affecting premiums, future insurability, or non-renewal?

Has anyone had experience with Hanover specifically after a single relatively small water-damage claim?

This would be our first water-damage claim.
Appreciate any advice.

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?

Hey guys a tree fell on my fence and nothing major happened, but it did misalign the fence and tree is still leaning on to it, and also the ends are flimsy now.. please help (pictures in comments)

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.

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?

A tree limb fell on our house in July, puncturing our roof. Heavy rains then occurred resulting in our kitchen ceiling caving in. We went through water mitigation with Servpro. Servpro subcontracted out the asbestos abatement. Our kitchen still has plastic sheeting dividing the house as the contractor we selected to do the work dragged their feet for 45 days, resulting in nothing getting done.

A week ago, our dog started showing difficulty breathing and she ended up in the ICU for 4 days. At first, they thought she was in heart failure, or late stages of cancer, but after days of testing, they came back with a don’t really know what’s going on here diagnosis. It wasn’t until I mentioned our house situation that they thought asbestos exposure makes the most sense. Her vet bill was $9,000.

As for myself, I’ve been sick off and on for about 3 1/2 weeks. Sitting in the house I feel like my eyes burn and itch, I’ve had a dry cough for a long time and I just feel generally hot and uncomfortable. Before that I had your typical cold symptoms that seemed to get worse after getting better. I finally went to the doctor today and they ended up giving me exactly what the vet hospital gave my dog, prednisone.

At the moment, my wife and I are now wondering if the abatement was botched or if dust and debris got into the HVAC system. We are curious if we can attach this vet bill to our current house insurance claim. Also, do we need to go through another round of asbestos abatement? Or do we need to get an air test? What will insurance pay for? Is this contractor negligence? Lots of unanswered questions. My insurance adjuster seemed to brush off the $10,000 bill I mentioned for my dog stating nothing could be done.

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.