Free Insurance Claim Advice and Help

On a related matter, how much fire insurance do you need?
Most standard homeowners policies will pay the full value of the policy only if that value is 80 % or more of the replacement value of the house. If coverage is below 80 %, the maximum payment is limited to the replacement value minus a depreciation charge (usually quite large) figured according to the age of the house. The burden of keeping coverage to at least 80% of replacement value rests with homeowner. Advice: Increase coverage annually, to keep up with inflation.

Keep Insurance Ahead Of Inflation
Keeping insurance coverage ahead of the inflation rate can be difficult. What to do:
Keep homeowner's coverage at a minimum of 80% of current replacement cost.
Take replacement cost policies for furnishing and other possessions. These reimburse for the cost of the replacement at prices in effect at the time of the loss.
Use a health-care cost index to figure how much more coverage you'll need, rather than an inflation index. Over the past five years, the rise in medical services has outstripped inflation. (Watch the newspaper for the monthly Consumer Price Index report, which breaks down medical costs.)
Jewelry, furs, and silver pieces should be included, piece by piece, on your homeowner's policy. Increase deductibles on cars and homeowner's comprehensive coverage. It will cost more if something is stolen or destroyed by fire, but premiums can significantly lower.

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Condo/Co-op Insurance
Many people who own cooperative or condominium units may be taking a risk they are not aware of. If there is a serious disaster from a fire, flood, or other catastrophe, collective insurance may not be enough to restore the dwelling. In that case, each owner would be assessed to pay for expenses above the liability coverage.
Solution: for a small fee, tack coverage for uninsured damages onto your regular policy, which normally covers the contents of your unit and improvements. Suggested coverage: $25,000. The cost is negligible.
When buying a unit, ask the project's board of directors how much liability insurance they carry in case of an accident on the common ground. Most projects do carry adequate amounts of this type of coverage.

Liability For Injuries To Uninvited Guests
Courts in many states are more likely than ever to hold an owner responsible for injuries to a visitor. That's so even though the person was on the property without an invitation. The old distinction between an invitee (someone asked onto the property) and licensee (someone on the property without an invitation) is breaking down. Traditionally, invitees would be awarded higher settlements for damages.
Now courts in about one-third of the states ignore the distinction between an invitee and licensee and hold the property owner responsible for keeping the property safe for both invitees and the self-invited.
Now: Salespeople, whether they contacted
the customer before their visit or not, are generally treated (by courts recognizing the distinction) as invitees.
Law When Trespassing Children Are Injured
A property owner or contractor may be liable for damages if a child is hurt on the property (or by unguarded machinery) even though the child trespassed. A "No Trespassing" sign isn't enough.
Example: A swimming pool should be surrounded by an adequate fence and a locked gate.
General rule: The attractive nuisance doctrine in the law makes the property owner responsible for trespassing children who are too young to understand the dangers.
Special problem: Protection while construction work is being done or when machinery is left unguarded in a residential area (or near heavily traveled streets).

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