I get fired! How can I bring back my HSA money short paying a cost?
Question:
Answers:
The only route to get backbone your money without paying a cost is by withdrawing it from an ATM, if you have a debit card, and you must use it for medical/dental/vision/OTC RX purposes. You could annul just for the heck of it, but if you are ever audited by the IRS and do not enjoy receipts to show what you used it for, they could make you repay taxes on it.
Can the hospital accessories vivacity insurance sum if your household bough dies contained by the hospital and can't pay cheque ?
Question:
If someone who dies while in the hospital also have a large enthusiasm insurance policy, and there are no other funds to income the hospital bill, can the hospital garnish the giving to offset the bill? If not, consequently how will they get the money from a late person if they don't hold any other assets?
Answers:
Only if:
1. She named no beneficiary on the policy
2. The policy's beneficiary is the "estate of the insured"
3. All her name beneficiaries and contingent beneficiaries are no longer in existence.
Sounds approaching you need more lend a hand on this besides just some volatile internet advice, so travel talk to her antiquated agent and/ or an attorney.
BTW, when someone asks why medical insurance costs so much, you can tell them it's due contained by part by unpaid hospital bills.
The debt go to the estate, in this armour they would be paid by the insurance, as do any other bills that the human being owed. After that the next of kin pay packet the bills, but usually there is ample property/savings/insuance to cover everything.
Also, their health insurance still have to pay their share of the bill.
No. They can't. If you are the beneficiary of the policy, once the policy holder have died, the money is yours. It doesn't belong to the estate of the deceased. They can sue the estate but they can't return with your money.
You must talk to an attorney surrounded by your city. Many attorneys will give a free initial consultation within which they will explain your options and recount you how much they will charge to help you enforce your rights. Get this contained by writing. The outcome will depend on what state you live in, your relationship to the lifeless, the amount of coverage, etc. Here's a link which will hand over you some insight into what's involved in resolving this give somebody the third degree:
http://www.logos4me.com/life%20ins%20new...
OK, that person's ESTATE is responsible for the hospital bill.
Who is the beneficiary of the life insurance policy? A POLICY cannot be garnish, however, if the ESTATE is the beneficiary, then adjectives of the person's bills must be paid stale, BEFORE any money can be passed along to their heirs.
In a community property state, the spouse might be responsible for final costs. If the personage owned ANYTHING, like a house, or a vehicle, or stocks, or had any money, ALL THAT goes to wages the hospital, BEFORE anyone can inherit.
If they have NO ASSETS, afterwards the hospital eats the bill. Which is why so recurrently, hospitals are going out of business.
You need a probate attorney to feel the estate.
The proceeds of the life insurance policy go to the beneficiary named contained by that policy. Therefore, the hospital can not directly collect from the insurance company. It can however, database a claim against the estate of the deceased.
Medical insurance?
Question:
my husband's job of 19 years have closed and the insurance he had near the company has days gone to be active' my question is we both inevitability to go to the doc because we get the impression there may be some problems MAYBE and we don't know if we should dance see a doc now as it might weigh down us from getting good insurance latter we would like to hold on to the insurance we have very soon but it it's just so expensive to hold.boy oh boy why can't we just hold free health thinking i pray he gets a brief soon i'm looking for also, our ages 45 and 48 my question should we be in motion and see doc now or continue until he finds work and get insurance i don't want to read into anything i may own something now and can't return with good insurance next on, like i said this is apt insurance we have in a minute , it has days until that time it runs out should we get adjectives tests or as much as we can out of the approach, so confused can anyone help us
Answers:
OK, there's no such item as free health carefulness. The countries that have "total health care" charge a 60% income levy, JUST to cover it - and you wait months and months for it.
Are you planning on a lapse within coverage? The REAL thing to do, is remuneration for the COBRA until your hubby has the contemporary job near benefits.
Apply for COBRA coverage. Your husband's former employer should have given him info on this. COBRA is coverage for within between jobs so you will own no lapse in coverage.
You can use COBRA for 2 years. That should cover you until you are covered beneath your husbands new insurance plan.
COBRA is a tenet, not an insurance plan. Not all employer fall beneath this law. Here's a summary of COBRA:
http://www.logos4me.com/life%20ins%20new...
If you're unable to continued coverage under COBRA, (1) see if you qualify for Medicaid, the state vigour coverage for low-income people; (2) if you don't qualify, explore online for best insurance plans in your state, and sign up for the best one you can afford. You can't afford not to be in need health insurance. Once you're covered, step to the doctor, if you can wait that long. Insurers can't exclude as pre-existing conditions illnesses that own not been diagnosed. Your ages and pre-existing illnesses will affect your insurability and premiums. Can any one of you get a living that provides health insurance?
Also consider the certainty that just because your pre-existing conditions are not documented within your medical records, (avoiding treatment so as not to hold the medical condition included in your medical history,) will not relief you most likely. Most individual policies ask... as a sound, prudent person, are you aware of any conditions scheduled, or not listed, on the questionaire. As you enjoy stated, you are aware that some form of treatment may be required, though you may not be aware of the specific conditions.
More importantly though is the fact that you currently enjoy insurance, you have a inevitability for medical care, and it is available for both of you. My feelings would be to get the medical treatment required today, and cross the subsequent bridge when that day comes. You hold options as stated contained by the other answers here such as Portability or COBRA, and possibly others. Take care of your medical concerns as hasty as possible, avoiding bigger medical problems down the road. Most likely everything will work out only just fine, but getting medical attention now is the subsequent right thing to do within my opinion.
please try this <a href="http://www.anrdoezrs.net/click-1748196-1... target="_top">support!</a>
<img src="http://www.lduhtrp.net/image-1748196-104...
under a group a robustness insurance policy, if a covered individual terminates employment or is no longer eligible for group insurance because the classification below which he/she is no longer eligible. The individual has the right to convert his/her group insurance to individual insurance. The time for conversion is typically 31 days after ineligibility. Group policies must also remain liable for valid claims for covered losses incurred prior to the call a halt of the 31 day conversion time.
With Cobra you will pay 102% of the group rate and a 2% duty for administration of the plan. Cobra is intended to provide transitional coverage until the member of staff or family bough can obtain coverage or employment elsewhere for a maximum of 18 months.
Consider both the option before you and choose cleverly.
Does auto insurance really move about down when you catch married?
Question:
I have hear that insurance goes down once you achieve married. Is this true? If it is, how much? Is it significant? Do you have to be married past you turn 25 for this to apply? I have hear so many conflicting answers. Help??!!
Answers:
insurance will walk down for males under 25 when they are married, if you live next to a girlfriend/finance some agents will give you that discount as all right, check out globalwideinsurance. com for insurance rates and if you have any more question they have a cross-examine forum
It depends on which state you live in since respectively state has its own insurance law. In Florida, it goes up because both of you would enjoy to be on the policy (in case she get injured as a passenger as a result of an accident).
I work for a major auto insurer, and it does oodles times. It depends on your insurance company, the state that you live in, and your age. But don't permit that influence your decision to obtain married. LOL.
yes and it also goes down after you turn 25.
It vary by state & insurance company.
Generally, women before 25 and men earlier 30 will get a married discount or they will qualify for a better program. If you combine policies (which you should if married) you'll also grasp multi-car and down the road, multi-policy (renters or HO insurance) discounts.
After 30, most companies go to uni-sex rating and there's no significant diffference within driving records base on gender or wedded status.
Depends on how old you are and what state you're living within - some states don't ALLOW the discount, and once you're 30 or so, even the states that allow it, it's not noticable.
Lastly, if your dearly beloved has a worse driving diary than you, you'll see your rates go up, not down.
YOUR AGENT is the best party to ask, for sure.
With my company men under 30 and women beneath 25 benefit from being married on their auto rates.
Can I report my lost digital camera to my homeowners insurance?
Question:
I lost my $400 camera is there a channel I can report to my homeowners insurance to get reimbursed for it?
Answers:
Sure you can report it, but it's not covered unless you "scheduled" it seperately, and rewarded additional premium newly for the camera.
Reporting even an uncovered claim can count against you.
Also, keep your deductible surrounded by mind.
If it was not stolen from your home, it wouldn't qualify. and your deductible is probably over $400.
Regardless of your deductible, losing something isn't a covered peril. It would be if you planned your camera but I'm sure you didn't do that...
Unless you have the camera planned on your policy to cover loss by misplacing OR if you have an HO-5 form, afterwards it's not covered so don't report it -- even if they don't pay the claim your rates could walk up, and is it really worth it for what the camera is worth? You would still have to discharge the deductible, which is probably $500 anyway, and at minimum $250.
was within a specified item or do you have a policy that includes/excludes such items
You can, and it could be covered below mysterious disappearance. However, your deductible would apply ($400 - deductible = not a lot of money), and you might with the sole purpose have dosh value coverage for your property, so this would be even smaller amount. And you could lose any loss free discounts that you currently have, might obtain in the adjectives.
It won't be worth filing the claim.
Can you collect after two month contained by a available job if you find permit move about?
Question:
Answers:
Only if you have 4 prior months working. Assuming you're chitchat about laying-off benefits here, and that you were not fired for bring.
not if you let it walk.
Insurance quote!?
Question:
Any State Farm Insurance agents want to give me a quote within California? I have contacted two State Farm Agents contained by my area and not one have gotten back to me. I enjoy 11 apartments.
Answers:
Habitational risks (apartment buildings) and landlord policies (residential properties) are a difficult risk to cover so don't be surprised if your local State Farm guys are not falling adjectives over themselves to get rear legs to you.
Now if you currently do business with State Farm (auto/home/life), own a relationship with a local agent and she doesn't return your call, THAT would be an issue.
But if you do business with the Lizard and presently you need a tangible insurance agent, don't be shocked when they don't run right over to insure your property.
Sounds like you should contact an independent broker. An independent will enjoy many companies that enjoy an appetite for your type of commercial risk.
Go to their website. This is hardly the place to obtain an insurance quote. And instead of emailing or sending an online request, pick up the phone and call them.
what fragment of CA are you in?
State Farm doesn't usually write that type of business. It's "lofty risk", "high claims" and "giant maintenance".
You'll have better luck near an independent agent, but you'll probably have to call upon a dozen or so, as habitational properties aren't very importantly desirable to write from an insurance point of view.
please try this <a href="http://www.anrdoezrs.net/click-1748196-1... target="_top">give support to!</a>
<img src="http://www.lduhtrp.net/image-1748196-104...
Why State Farm? Just because you hear a name on TV, or a friend have them for auto insurance, it doesn't mean that they are a suitable insurer for your rental properties.
You should shop around. As other landlords in the nouns who they use, and whether they are happy. And acquire multiple quotes. You are talking big money here, don't acquire locked in on one company.
I know surrounded by my state that State Farm is not big on insuring commercial property and they steer clear of it. And are you sure you want to deal next to them if their reps don't even return calls? I'd verbs and try another reputable company that will service my insurance needs. Good Luck
Standard assurance?
Question:
Answers:
I'll give you my standard assurance:
Awww, in that there, buck up camper!
So, what is your grill, exactly?
verb?
Can employer mandate organization to transport faultless smooth of auto ins. earlier they will income mileage reimbursement
Question:
Answers:
Yes. That's because if the employee is using the auto for business use (ie, eligible for milage reimbursement), next the employer's non-owned auto limits might be call into play. Most employers require you to pass minimum limits of 100/300/100 if using your saloon is part of your available job description.
Yes, they can. The company is allowed to do what it wants surrounded by regards to insurance within order to insure that they are not held liable for any catastrophe a worker may be involved in while driving.
yes if they are providing reimbursement for mileage. Additionally, if you are using the motor for company business, they need to know that it is insured within the event that you have an luck or something. Also check with your insurance agent, you may be required to take-home pay extra for using the car for business purposes.
Seems resembling a good requirement from the company's side.
On a side note, you also might want to consider whether you enjoy coverage for business use on your auto policy. You could get yourself into a coverage issue.
Indiana grow bureau insurance more than doubled my rates after i go 60 days w/o saloon ins. any righteous tips?
Question:
I have be a loyal customer for 4 years with no claims, accident, tickets-not one! i just hand them money each month. i lease a 04 honda(full coverage) merely this past sep. i have financial trouble and went 2 months w/o insur. go from $428/ per 6 months to $869/6 months i was told it would final 6 months then progress back down. i call 2 days ago ans spoke w/ agent she said underwriter won't lower it until i go 6 months w/o a see notice self sent out-they just sent one yesterday she tell me. then i send for the 1-800 # to them and a lady nearby tells me my insurance be cancelled may 22! my local agent never mentioned it yesterday! nothing contained by the mail from them nearly it yet-my policy was up 4 renewal this month and i received no statement so since i be past the 5 daytime graceperiod for payment it be cancelled. that sort of thing -i be told- only happen 2x's a year when 6 month policy is up 4 renewal! i am disappointed-used 2 speak highly of them.who should i switch 2 immediately?
Answers:
Insurance companies don't care in the order of loyalty. Hell, in some cases they non-renew policyholders who haven't missed grant or made a claim because their rating tables enlighten them they need to decline risks in an nouns. They don't care, neither should you. You should shop around for price, service, and coverage.
Trying to float payments to an insurance company is playing beside fire. Companies don't want to pay claims from populace that are not paying premium on time. To prevent this, they hold strict standards about how they quash policies, and tend to follow them. When you have a hole, they want to make sure they aren't paying for a claim that in actuality happened during the break between policies. And they are going to increase your rates to cover the cost of doing adjectives of this.
Your best approach is to get tons quote from different companies. This will help you take the best rates. As for the companies mentioned previously, whatever. The rates and service of two of the companies mentioned, all right this isn't my experience with them. And I enjoy been within the business for way too long.
Start next to Progressive, because their web site allows you to compare rates of heaps different companies. Geico is usually the cheapest, and State Farm usually has the best service. Obviously, however, you can't switch to state plough. Auto Insurance also varies abundantly by area- ask people surrounded by your local area which insurance providers hold out good service.
I found an awesome insurance company call Unitrin Direct they are through the internet I was markedly concerned about doing online insurance but I transmit you what..they were awesome when I have my winsheild broken and my rates go down every 6 months...I also fell into the financial difficulty and my insurance company would not even rewrite me.Unitrin wrote my policy and hardly penalize me for not having insurance for moderately awhile.
You're looking at a couple of things here. 1. when you get a contemporary policy, even if it's with an weak company, they will run a credit check on you, and partially foot your rates on your credit score. 2. If you hold been near them for a while, and every time a bill is due, you never pay it in good time (ie, go into see status, or have a reversal notice issued), that make you much more likely to annul for nonpayment in the adjectives (not to mention, it drives up the cost of handing your account).
So my warning is, see if 1. they'll do an EFT payment arrangement, where on earth they automatically deduct the $$ from your justification every month 2. offer to clear your policy in full for the policy possession, if it's 6 months or 12 months or 3. go to a local, independent agent, and shop out the insurance, see what OTHER companies will charge you for matching coverage.
A local, independent agent can get you quotes beside 4-6 other companies. But if you have credit problems, they could totally well be even high than IFB, or they might even refuse to write you alltogether. But at lowest possible that will let you know where on earth you stand.
Car insurance deductible?
Question:
Okay.. soo i have mine on $1,000. does that be determined even if i total my car i'll simply have to settle up $1000? im confused lol
Answers:
There is a lot of confusion here. Auto polices cover the 'Actual Cash Value' of the vehicle. This have nothing to do next to NADA, or Blue Book, or Black Book, the CCC computer program, or any other 'book' method. These are all tools used to serve determine the ACV of the vehicle. No one of them is more correct than the other. Another tool used is local dealer quotes, tabloid ads, and recent vehicle sale. They are all used to try to integer out how much a certain type of vehicle is going for surrounded by a given geographic area. In genuineness, just approaching used auto sales, this is a negotiation. The adjuster is going to try to compensate a simple value of the vehicle. It is up to the vehicle owner to show why that appeal is low. This does happen, but they aren't going to increase the effectiveness just because you like the car.
The ACV of a vehicle is greatly effect by the condition of the vehicle, mileage, and options. Obviously, a trashed vehicle beside no options and large mileage is worth less than a low mileage, loaded mint conditioned vehicle.
A document here on financed vehicles. A great masses vehicles out within are financed for more money than they are worth. The insurer will pay ACV, not the amount owed on the loan. Many race end up have to pay hundreds, and even thousands after the insurance have paid. I would recommend fissure insurance, but since you are taking a $1000 deductible, you are probably trying to save money.
As for the deductible, if the vehicle is repairable, the insurer will settle up the cost to repair minus $1000. If the vehicle is a total loss, the insurer will pay the ACV minus $1000, and after take the vehicle. They hold bought the vehicle, you don't get the salvage. Some population want it. If so, they are entitled to deduct the ACV of the salvage vehicle from your settlement. If there is a loan on the vehicle, the insurer will reward what they owe to the bank, and you will owe the set off.
Yes, you have to discharge the first 1000$ on a claim, the insurer will cover the rest.
correct - but you will only grasp the "blue book value" on your car and if you own a loan, the $ goes right to the loan company and if you still owe $$ on your sports car, its your responsibility. The higher the deductible, the lower the premium. Of course, it more out of your pocket IF you own a claim. You should call your insurance agent for clarification on your specific policy
It scheme if your car is dilapidated, you pay the first $1000 of repairs OR if your sports car is totaled, you get Actual Cash Value minus $1000.
Yeah, what they said.
Everyone is right in the region of damages or value of the vehicle minus $1K. What they don't tell you is the insurance company values the sports car based on trade contained by or wholesale value if it is totaled. Possibly thousands smaller amount than you paid for it. Also if the motor is a relatively new purchase check on "fissure insurance". Most cars are not worth what you owe for them and the gap insurance covers that difference if it is totaled.
I am assuming your are speaking of a property incapacitate deductible. While I agree with the previous answers surrounded by general, nearby are additional considerations. First, masses insurance companies will waive the deductible IF they find you not to be at fault (assuming you are surrounded by a non no-fault state). Second, even though you will initially not be reimbursed the $1,000, that does not mean you lose your right to shift after the other driver for your deductible (again assuming you are not a fault).
The $1000 is the deductable for your collision insurance ie if you get surrounded by an accident, explicitly your fault you will enjoy to pay $1000 towards the repair. If you total your vehicle you will get blue book trade within value (look up the differences within trade in selling, and vendor price at kbb.com) minus $1000 and then will be responsible for the rest to be precise financed on the car.
It manner that YOU pay for the first $1,000 of prejudice. If your car is one and only WORTH $1,000, you get zilch.
Effectively, whatever the "actual brass value" of the car is, the insurance company will subtract $1,000 from the check.
You compensate the first 1,000 dollars for comprehensive or collision claims. If you total your car or it is stolen and not recovered the company will settle you the amount owed less your deductible.
You've gotten some pretty obedient answers.
However, as I scrolled down through those answers I noticed, as I almost other do, certain ancestors offering answers with an authoritative tone that are surely false.
Moderator forigve me but I do not like to see ignorance perpetuate. A certain answer offered, among the others, read that if your car is totaled, the insurance company pays trade within or wholesale value and that that could be thousands smaller quantity than what you paid for the vehicle.
False. Wrong. Not correct. Can I put this more clearly?
There is no such entity as a book value for a coup¨¦. That's a misnomer. If there be a book value for a saloon - a value you could take out of a book - NADA or Blue Book or whatever - after it would look something like this:
2002 Honda Civic LX. Book plus $5000. Period.
Wouldn't matter if that Honda be rusted out with 200K miles on it, torn sitting room and a busted windshield.
Wouldn't matter if that Honda be polished and waxed and as close to flawless as the light of day it left the showroom floor.
The book appeal would be $5000. If there be such a thing.
I expect anyone's common sense would communicate them, obviously, that isn't correct.
NADA is the industry standard guide - for both insurers and car dealer. NADA gives three values - loan importance, trade in good point and retail value.
Why? Loan attraction is supposedly what a lender would risk in a loan, although nouns guidelines are somewhat lax these days. Lenders come across willing even to loan more than the significance of the car at times.
Trade surrounded by value is an estimate of what an actual provider would give contained by trade for the car. Retail is what you would expect a typical example of this fussy car to vend for on a typical car lot.
Again, why are nearby trade in and retail values? Obviously (there's that word again - variety of goes next to common sense) dealer aren't out there selling cars basically because they love what they do. They have overhead and they entail to make a profit. If they give as much on trade in for a coup¨¦ as they sell it on the lot at retail, they wouldn't build a profit and they wouldn't cover their overhead (detailing and refurbishing the vehicle so it can be put on the lot costs money too).
OK, drumroll please. Most (I said MOST there) vehicle's values fall between the NADA trade contained by value and the retail pro. I have occasionally see vehicles so trashed that they are worth smaller quantity than the trade in helpfulness. I have occasionally see vehicles so very well cared for that they are worth more than the retail helpfulness. Sometimes market fluctuations will put the actual dosh value of a vehicle outside the NADA variety as well. This happen, for example, when the gas prices first went up so large a few years back. Suddenly, used fuel modernized vehicles be in high-ranking demand. Many such vehicle brought more than the NADA retail figure.
People. Please. Stop answering question out of abject ignorance. If what you have to submission is a perpetuation of misconceptions and myths, surely you have something better to do. If an insurer have to pay a claim for the total loss of a motor, they pay the actual dosh value of the coup¨¦. ACV is what the reasonable character would pay for that saloon, the calculation of which is base in factor on the NADA RANGE of figures.
As for that deductible interrogate - you pay the first $1000, the insurer pays the rest.
To get it simple for you, I use two simple examples.
- If your damage cost $1500, you will enjoy to pay $1000, and claim $500 from the insurance company.
- If your desecrate cost $900, you will have to settle up the $900 yourself.
When you own an impound explanation for threat insurance, how would you be in motion roughly speaking varying your insurance company?
Question:
Answers:
Just tell your strange insurer to "escrow bill" the premium to the mortgagee. Make sure you provide them with the correct PREMIUM BILLING address, which is usually different from the correspondence address and the address you post your payments to.
Have your broker bind coverage in the unusual company and advise the edge, IN WRITING to pay the alien company out of the escrow. Do this at least 30 days up to that time the existing coverage expires.
Commerial Auto: Merc 4D and Trim SE?
Question:
I'm trying to add some vehicle to a policy, but I'm having trouble classifying a couple...
Make: MERC
Body Type: 4D
Is this a tractor, trailer, ppt, or what?
Also, there's
Make: TRIM
Model: C71
Body: SE
WHAT ARE THESE!?
Answers:
The merc is potential a mercedes or a mercury - ppt in any case. The TRIM C71 is tougher. That body style (SE) is usually sedan, but I regard trimline is a trailer accessory, truly, like a bed liner, or camper sou`wester, or something like that.
The C71 slice, though, could be a Honda C71 motorcycle. Which really has NO business on a business auto policy, IMO.
You're going to hold to go rear legs to them (the agent, or the client) and ask for more details on that one.
Does anyone know if Medicare covers the shot Guardisil? Its a rightly unknown vaccine to prevent?
Question:
cervical cancer. Medicare didn't know. They said to ask my provider. I said, 'how will they know, if Medicare doens't know?'
I didn't get any response.
Then I be referred to the cancer society. Medicare said they would know. And they are closed till tomorrow.
In the meantime, does anyone know?
Answers:
Guardisil is currently not on the list of Medicare covered drugs. However, it is covered next to most Medicare Advantage plans and stand alone Part D plans. Depending upon the plan you might be on the co-pay you'll pay will scope from $20 to $138 for 1 vial.
I'm not sure... I got mine for free. I do know that it hurts abundantly, and I get needles adjectives the time so I'm fairly used to them. Make sure that you keep hold of moving your arm afterwards otherwise it will go really really stiff and sore. And be prepared for some side effects approaching lethargy and tiredness. I have to do a Biology test right after mine and I could just about keep my eyes stretch out!
No, it's too new, and it simply prevents ONE type of cervical cancer. It hasn't made it to the lists nonetheless. Maybe next year . . .
Guardisil is with the sole purpose recommended for young women between from 9 - 26. I doubt Medicare will put the vaccine on it's record of approved drugs for this reason alone, since Medicare is for individuals 65 and older.
MediCARE does not cover it because the elderly are beyond the age that it's recommended for.
MediCAID does cover it surrounded by New York, but you need to check next to your own state. Call your caseworker if you're not sure.
LAWYERS--Who's responsible for this stolen property?
Question:
My husbands roofing company was doing a three year roof job. They come back to work the second year and found that someone had stolen $600 worth of shingles sour of the homeowners property. And you have to move shingles out at a job b/c they are too big to move back and forth to the opportunity. Who is responsible for the stolen shingles, the homeowner's insurance company or my husband- who is not insured?!
Answers:
Your husband. He did not store the shingles in a nontoxic place overnight.
When I had my roof replaced, my contractor have it on his contract with me stipulating that I hold to provide a place for storing materials. Even though I allowed him to store the shingles in my garage but he decline. Instead, he put the shingles and his tools on my roof where not a soul can have access to them at any time during the 3 days profession period.
If you drive around surrounded by your neighborhood, you can see piles of shingles sitting on top of house roof everywhere. It appears that most roofers use the roof as the safest place to store the materials.
It will inevitably depend on the contract signed
between your husband and the home owner.
What liability is assumed by your husband's
company and what is assumed by the home owner?
Your husband, assuming the cost and purchasing of building materials be part of the opening cost.
If the homeowner bought the shingles, and your husband just showed up and put them on, ie, if the MATERIALS be not purchased by your hubby, then the homeowner is responsible.
Homeowners policies do NOT cover building materials previously they are attached to the building, so even if the homeowner bought the shingles, his policy wouldn't cover their theft while they be sitting waiting to be nailed down.
**On the not carrying insurance bit . . . even if he HAD building materials and supplies insured on his policy, expected he'd have at LEAST a $500 deductible, and more promising $1,000, so it wouldn't have be covered there anyway.**
Your husband is responsible for the replacement of the shingles.
I am not trying to nouns mean or judgemental, but he should not be operating a business short full insurance and coverage for himself, the business and his employees.
This is going to be an expensive lesson for your husband and your household.
I hope that he makes the finding to carry insurance from immediately on.
Good luck to you and your family.
Your husband eat the loss unless the contract provides otherwise or the policy was specially endorsed. Theft or unexplained disappearance of building materials from an unguarded site is never covered (except underneath some very high-premium Lloyd's of London coverage). Even when the policy is endorsed to cover embezzlement of materials, the policy will not respond unless the materials were stolen from a securely-locked storage facility or a dark watchman was on duty.
Here we enjoy not a "theft," but an unexplained disappearance, which is never covered even when the policy is specially endorsed to cover larceny.
Assuming that the materials were not purchased by the homeowner...
Until they are nail to the roof they are your baby.