William John Light's answer The policy will define "pre existing condition". It probably doesn't require a pre existing diagnosis. However, in determining whether the insurer is accurately denying coverage, you have to examine the actual language of the policy.
William John Light's answer The Government Pension Offset (GPO), reduces Social Security benefits paid to spouses or survivors when the spouse or survivor earned a pension from a government job that was not covered by Social Security. The GPO reduction is equal to two-thirds of the amount of the pension payment from noncovered government work (SSA 2012).
There are many SSI/SSD attorneys out there who can advise you on this. It is not the kind of question for a quick and easy response from the internet. You are...
William John Light's answer Depends on the facts of the claim, the type of insurance policy, the amount of your claim, the proof you have submitted, the amount of your cooperation, whether you have an attorney, etc.
Ordinarily, the renter is responsible for damage to the vehicle during the term of the rental. If you have liability or comprehensive coverage of your own, you should notify it of the claim. If you don't have that coverage, you can try to dispute the charges by showing that the vehicle you rented was not in proper condition and that you were required to get the car washed for safety purposes. However, there doesn't seem to be...
William John Light's answer You would probably wait to get sued and defend yourself with evidence of the alleged fraud: photos of the cars, the parking lot, comparative quotes for repair of damage, witnesses, etc.
William John Light's answer It sounds like if you have received payment from anyone for any of your losses, you would itemize those payments in that space, but it's hard to say without reading the entire document.
William John Light's answer This is a common legal question, and the answer is that the tree owner is liable under trespass and private nuisance theories (in most cases, at least). Whether you, as new property owner are liable, is something a a real estate attorney should be retained to evaluate. It may be something that can be passed on to the prior owner, but it appears to be an obvious and open condition, so it might be difficult to claim that it wasn't disclosed, and you purchased the problem with the house....
William John Light's answer Get a certified copy of the policy from your adjuster. Assemble all of the correspondence and emails to/from the adjuster. Assemble all of the items that constitute proof of your claim/damages. Call an attorney with experience in insurance matters.
Gerald Barry Dorfman's answer Unfortunately, that won't do it, although you may be able to handle the necessary paperwork in a way that takes a lot less time than you anticipate. The amount of coverage really doesn't determine the amount of your claim, except to put a cap on it. Of course, if you have $400K in coverage, own the home outright, and can demonstrate the value of the home vastly exceeds the policy limits, that could work. Then, you would not have to bother with a contents claim. So sorry for your loss.
William John Light's answer Impossible to say. You haven't described the nature of your insurance claim, the type of policy, the reason for the denial of coverage, or what your wife told the agent (adjuster?).
Justia Ask a Lawyer is a forum for consumers to get answers to basic legal questions. Any information sent through Justia Ask a Lawyer is not secure and is done so on a non-confidential basis only.
The use of this website to ask questions or receive answers does not create an attorney–client relationship between you and Justia, or between you and any attorney who receives your information or responds to your questions, nor is it intended to create such a relationship. Additionally, no responses on this forum constitute legal advice, which must be tailored to the specific circumstances of each case. You should not act upon information provided in Justia Ask a Lawyer without seeking professional counsel from an attorney admitted or authorized to practice in your jurisdiction. Justia assumes no responsibility to any person who relies on information contained on or received through this site and disclaims all liability in respect to such information.
Justia cannot guarantee that the information on this website (including any legal information provided by an attorney through this service) is accurate, complete, or up-to-date. While we intend to make every attempt to keep the information on this site current, the owners of and contributors to this site make no claims, promises or guarantees about the accuracy, completeness or adequacy of the information contained in or linked to from this site.