You've got a tough nut to crack. It's not like it use to be when all it took was a phone call and a check in the mail. Your policy came back ready to go. Just sign it and return it in the pre paid envelope. Those days are long gone. The insurance industry took a heavy pounding with some pretty nasty hurricanes in Texas and in Orleans. That was the catalyst to change the industry forever.
Today they come out and inspect the pre covered status of the home to protect themselves from home owners who then later on say they had their roof leaking like a waterfall in this last storm and want the home owner's insurance to cover it. To many people tried it and got dropped. I doubt you'll get insurance or if you do, it'll be conditional. They'll give you a list of what you need to fix prior to insurance approval. You'll then pay higher premiums and can be asked to put a security deposit down with the company. Once they see that the cause of the disrepair is neglect, they won't be to quick to jump to help you believing your a scammer or a deadbeat who won't keep up the payments. The other thing you need to be concerned with is, if the county you live in decides your place is a public nucence, they can court order you to fix it or they will and you'll get the bill. Trust me, you don't want that to happen. If your husband is unwilling to take care of a house, then perhaps your best option is to sell the house and move into an apartment. Of course, if your house isn't paid for yet, that may be the preventing factor. In other words, your husband will have make the repairs or pay somebody to do it for him. If the bank still owns your house, they too can fix the house and give you the bill. You'll pay it back plus interest. Home owners insurance is the least of your problems. If you live in a community with a home owners association, they can fine you until the job gets done and those fines can get pretty stiff. They could even take the house away if they have to force you to fix it. In short, you're in a world of the brown stuff. I know what I'm talking about because I am the president of our home owners association and have to had dealt with stuff like that in the past. Alan Please click on: http://www.home.earthlink.net/~alanandsuzanne/ There, you'll find files of my arrangements and performances played on the Yamaha Tyros keyboard. I often add files so check back regularly! The albums in Technics format formerly on my website are still available upon request. ----- Original Message ----- From: "Jennifer Jackson" <jennifer_jack...@cox.net> To: <blindhandyman@yahoogroups.com> Sent: Friday, August 27, 2010 3:30 AM Subject: [BlindHandyMan] home owner insurance > Hey Everyone, > > > > I have myself in a difficult spot and I do not know how to ask what I need > without giving some of the back ground. It will not help me to get advice > that does not take in the full picture. > > > > My home owner's insurance is about to be canceled. Essentially this is > based > on our not keeping our home in good repair. My husband is in total denial > about it being our fault, but he is wrong. So my two questions are how do > I > get insurance on a house when I have had two water damage claims in the > last > year, and wat are the main things to try and get looking decent before the > inspection. I do mean essential too. My yard is over grown and I have > holes > in my walls and ceilings. > > > > I do not know how to make my husband care enough about where we live to be > better about this. My hope is that now that the kids are all in school I > will be able to do some of these things myself. It has just become urgent > because I have got to get someone in here to inspect and approve us for > new > insurance. I am sorry I am not sounding to optimistic here, but I just had > another big fight with my husband about the roof and other needed repairs. > I > am feeling a little to drained to sound positive. > > > > > > Jennifer > > > > [Non-text portions of this message have been removed] > > > > ------------------------------------ > > Send any questions regarding list management to: > blindhandyman-ow...@yahoogroups.com > To listen to the show archives go to link > http://www.acbradio.org/pweb/index.php?module=pagemaster&PAGE_user_op=view_page&PAGE_id=33&MMN_position=47:29 > Or > ftp://ftp.acbradio.org/acbradio-archives/handyman/ > > The Pod Cast address for the Blind Handy Man Show is. > http://www.acbradio.org/news/xml/podcast.php?pgm=saturday > > Visit the archives page at the following address > http://www.mail-archive.com/blindhandyman@yahoogroups.com/ > > For a complete list of email commands pertaining to the Blind Handy Man > list just send a blank message to: > blindhandyman-h...@yahoogroups.comyahoo! Groups Links > > > >
