Posting this because hit and run claims are routinely lowballed and the carriers count on people giving up. My 2022 Honda Accord was parked on the street in front of a coffee shop in Cincinnati at...
Came home from a 4 day trip to Colorado last weekend and walked into about 2 inches of standing water in our finished basement. The cold water supply line going to the upstairs bathroom (under the...
Sharing this because diminished value claims are wildly misunderstood and most people leave significant money on the table. I was rear ended at a red light by a distracted driver in November 2025...
I am 47, was a senior project manager at a software company for 11 years before going out on LTD in early 2025. My diagnoses are systemic lupus erythematosus (confirmed by ANA, anti-dsDNA, and...
Sharing this because hail roof claims are a battleground and Allstate (along with most carriers) are getting more aggressive about denying based on the cosmetic damage exclusion. We had a major...
My wife is 41, had a labral tear on her left hip diagnosed by MRI back in November 2024. Since then she has done 14 months of physical therapy (3 separate scripts, 36 total sessions), two...
Writing this up because mold claims are one of the most denied categories and i want the next person searching for advice to find a roadmap. We bought our 1978 ranch in suburban St. Louis in 2022....
Looking for a sanity check before i pick a fight with BCBS. My wife had a kidney stone episode in February, went to the closest ER which is the hospital our PCP refers everyone to and is listed as...
I am at the point where i need to scream into a pillow before every phone call to CVS Caremark. My son is 14, diagnosed with juvenile idiopathic arthritis 18 months ago after about a year of...
So back on March 4th i was driving home from a job site in northern Virginia, two lane state route, hilly country with limited sightlines. Coming around a slow curve i saw a Ford F-150 in my lane...
I run operations at a 40 person regional accounting firm. We got hit with a Conti-variant ransomware attack in late October 2025. Attacker came in through a compromised RDP session on a remote...
So back in February some guy ran a red light and t-boned my Civic on the passenger side. He had no insurance, an expired tag, and as it turned out an active warrant. Police arrested him at the scene....
Posting because i went through this twice as a kid with my parents and i was naive enough to think the second time around would be easier. It was not. We are in coastal Florida, Citizens Property...
I'm 41 and i have been on Unum long term disability since late 2023 after fibromyalgia and a co-occurring autoimmune flare made it impossible to keep working as a hospital pharmacist. My...
Sharing this because business interruption claims are some of the most contested in the industry and the resources online are mostly written by carriers for carriers. We are a 38 seat farm to table...
I'm trying to figure out what to do because my head is spinning. My son was diagnosed with OCD and a co-occurring anxiety disorder back in February by a child psychiatrist that took us four months to...
Trying to get some clarity from people who have been through this before because im honestly not sure if what im looking at meets the bad faith threshold or if its just garden variety carrier delay....
Wanted to share the process that worked because every diminished value thread on here ended at "Geico offered me $400 take it or leave it" and i was about to do exactly that until i started digging....
Posting this because i spent weeks reading fire damage threads here while we were in the middle of this and the timeline information was really hard to find. Hoping this helps the next person. Quick...
Looking for some sanity check here because this whole thing feels surreal. My wife (34, no chronic conditions) woke up on April 28th with severe right lower quadrant pain. By 6am she was vomiting and...