Can the landholder on my home take my insurance claim check and dictate how much of it i can have at one time?
546776
Your Homeowner insurance policy contains a provision that states something to the effect of in the event of a covered loss we(insurance company) have a duty to protect the mortgage company's interest.  That being said, your interest in the home is for the mortgage amount less what is owed to the bank or lender.  If you only owed $20k on your mortgage then your insurer should have issued you a check for $40k and to you and the mortgage company for $20k.  Now that the check was issued in a 2 partied form to you and the mortgage company they will require that you sign it, send it to them certified/insured so that it can be traced and they will cash the check and issue you a check from their bank most likely for a 30%-50% of the repair estimate.  Once you have 30%-50% of the covered repairs completed the mortgage company will send the next 30% or 50% and so on.  They will send an inspector out to verify that the repairs were done and done at least in accordance to the insurance company's estimate. This is legal and in fact your insurance company can be forced to pay the $60k again if they did not do this and you say, took a vacation to Brazil with the $60k.
566289
Your homeowners' or renters' insurance will cover stolen personal property sometimes even if it is not at your home/apartment.\nVERY IMPORTANT:  There are two kinds of this insurance:\n\n1. Actual Cash Value\n2. Replacement Cost Coverage\n\nIf you want a new item, then you need to buy replacement cost coverage.  It will pay what ever it costs to replace it.\n\nIn an actual cash value policy, the insurance will only pay whatever the item was worth at the time....in other words the used price...not what it costs new.
477370
Yes, it's normal for insurance companies to tell you that they can not insure due to a particular condition.  There's the usual wear-and-tear that insurance do not cover.  You do want to make sure that you maintain your property and do the best you can to prevent any damage.  I don't think the insurance will reimburse you amount you spent on maintenance, but you definitely want to be adequately insured at all time by complying their recommendations.
370355
It requires somewhat more than just taking care of the property. What you are referring to is called adverse possession, which by Texas law, must be "an actual and visible appropriation of real property, commenced and continued under a claim of right that is inconsistent with and is hostile to the claim of another person." Further, the true owner of the land has a period of time from the commencement of that possession to file a claim, though the time period depends on the circumstances. I would contact a lawyer and see what your options are. If you built a fence around the land and kept it for long enough, it would be yours.
808567
pay for one from a house inspector
373574
I believe that the insurance company will handle this appropriately. Call the drivers insurance company to make a claim (you can do this even if you are not the insured, the info should be in the police report). Then get estimates (including labor for installation from a handy man service and a lawn care company for lawn repair. This will help you negotiate with the insurance company. I am sure you will do just fine. These are not major expenses and they should just take care of it quickly. Make sure you have a check in hand before you sign any releases though. Good Luck!
445377
hi. I kind of do this for a living in Texas and don't know where you are, so the rules could be different.  I would suggest that you contact the contact person at the state and real-friendly-like start there by asking if you could get a copy of the "title work" they "ran" (conducted) to arrive at their ownership information.  This would be the easiest way to determine what the actual percentages owned by each person are under the two lots.\n\nIt sometimes happens that when land is deeded or willed out even to a group of people, the percentages of ownership can be unequal. For instance, if your grandparents passed the lots by their wills to their 10 children thusly,"I want my 5 sons and four daughters, Cindy, Amy, Sarah, and Sue to share and share alike in 75% of the lots, but I want my remaining daughter, Jean to have an undivided 25% of the lots b/c she took care of me in my old age."  Thus Jean would be entitled to 25% of the money from the state, and the others only divide up the remaining 75%.\n\nThis could happen if the 5 who deeded to the other 5 said it similarly, "We deed our interest 75% to our siblings Joe, John, Cindy and Sue, undivided, but deed the remaining undivided 25% to Jean, who took care of Dad."  See?\n\nHowever, if all the transfers were made equal and undivided amongst all 10, then the same way amongst the 5, then that one Aunt is out of luck. She may have gotten "ripped off" by having paid more to her siblings than the others did, but tho that would stink, it wouldn't get her more.  The deed wording controls.\n\nSo for you to be able to help: You have to see the documents that put the title into your uncles and aunts the way it stands today. If the state can't or won't help you, then go to a title company in the county where the land is and tell them you will pay for a title check, or a title insurance commitment.  Or go to a reputable real estate lawyer who can go to the county records and check them for you. It is a little expensive, but will shut Auntie up.\n\nGood luck. Remember--she may have a reason for thinking as she does, that goes beyond just greed. Old people often remember things that happened. I find talking to them very useful in my work.
347798
If your on your property then you have no responsibilty for compensation.  She could bring a case against the seller, but not against you unless you assisted in a scheme to defraud her, (ie assisted in making the 1st survey false) absent that there's nothing that can be done since you legally own the land, and a person can't claim a "loss" of something they never owned.
216578
When you say your renter's insurance 'barely' covered your losses, does that mean it did cover your losses, but only barely, or do you mean it did not cover the full extent of your losses?  And if not, why not?  Are you disputing the amount paid by the insurance, or do you want money from the landlord?   \n\nYou can try to sue - if you can find a lawyer to take the case. they will tell you what grounds are applicable.  If they think there is a case, they will work for a (large) percentage of the fees if they win.
34360
I would ask a title insurance company about this, but ask one that you don't intend to use to obtain a policy from when you finance the property, unless of course they say no problem.
1060124
I am in US, so not sure about Ontario law, but you can probably find out the answer from your local authorities. In the US, you could easily do this by recording a deed, saying "I hereby grant an easement over and across that portion of my property being the following described former municipal lane, to Mrs. X, for purposes of ingress and egress to her existing property." Of course, she should be willing to compensate you for doing this. If you and she cannot agree on an amount, but she insists that she has a right to use the lane, then the matter could result in litigation.
475932
Check the state treasury department for the state your money is in. There should be a section you can click on that will help you fill out a claim form
940221
The homeowners insurance will pay for everything.  It's why as a home owner you carry insurance, just have your boss call his agent and explain that he and his friend were doing some roof work or hanging lights whatever and then give it to the emergency room.  he should carry at least $100,000 worth of coverage, and tell him his rate won't jump so not to worry.  Get your hubby fixed up and split the deductible.  Everyone's happy.
404992
I'm going through a similar issue right now with a personal injury claim from an automobile accident. You should go to your local library and check out the book "How to Win Your Personal Injury Claim." It's very useful, and has a formula for calculating how much your claim is worth.\n\nHowever, if you claim is worth a significant amount of money, you definitely shouldn't be handing it alone. Make sure to get a lawyer!
272391
There really is no "ballpark" but it will be a good amount.\n\nBe aware that most states have "resident relative" laws pertaining to insurance.  That means that if your child is involved in an accident on his own policy and the damages max out his policy, and he lives with you, if you have excess insurance (higher limits than he does), the other party can pursue your insurance as well.  I am not sure if this applies in Texas, so I would ask a broker or whatever insurance company you call, if you try going direct (like through GEICO).  You will probably need to set high limits on your child's policy at least equal to your own to avoid something like that.
273115
If you inherited it by will or because you were on the deed, you can. Otherwise, you can't. If you believe you are entitled to the land for some reason, you will have to bring a "quiet title" action in court.
29756
Oh you are opening up pandora's box!  Do  you really want tenants working on your property?  You are opening yourself up to a lot of liability issues there.  Definetly speak with a lawyer, but as a property manager I would say not a good idea!  If I let the tenants make decisions about repairs/maintenance/upkeep around here there would be mayhem!  I can't tell you how many people knock on my door daily....to ask to borrow a plunger! ugh!  Seriously though, think about your investment, you want to protect it right?  People tend to care for their own property much better than those who are merely renting!