Waiting for my Medicaid insurance to process?
Question:
I had to apply for Medicaid for prenatal prudence and it takes just about 30 days to process. I'm about 2 months pregnant and I haven't see a doctor yet. Can I see a doctor since my medicaid is processed?
Answers:
Sure, but besides doing prenatal vitimins, they don't do much that early on. I don't reflect on it's going to matter much.
If you DO bring back approved, usually it goes pay for retroactive to your application date, but you'll have to ask the provider to rebill medicaid after you seize your card.
I don't think so because your insurance won't be helpful and doctor's usually require payment at the time of service. However, your medical coverage will be retro-active from the date of your application so it could be re-billed next. Usually the coverage will begin on the first light of day of the month you applied for. But it's like a block 22 since the doc. probably won't see you w/o paying him/her first.
And the first visit is VERY far-reaching. They usually do an ultra sound to be sure the babe-in-arms is growing and in the correct place (the uterus not the tubes, etc.), a pap smear, STD eyeshade, pelvic exam, etc.
At the very lowest possible give your doctor a name to ask them and to schedule an appointment, sometimes in that are long waits to obtain in.
Good luck!
Who come up beside the impression of insurance?
Question:
I just compensated a hefty car ins bill and have to have a phone fixed next to the sprint ins program. I got screwed both times. sure the insurance covers burglary, damage and accident but it doesn't cover the theft, pull and accidents that surface to me. This got me thinking, who come up with this conception in the first place? Did someone really turn up to their buddy and say "Hey Max! I know you a short time ago got that spanking new horse and well i'm somewhat short this month. How's about you recompense me a few shillings every month and if your horse dies I will get you a strange one. But if your horse dies by accident or crude causes consequently I am sorry but I can't help you. I'm sure you can see how that would be unreasonable to me." Can anyone find any history on this stuff.. I just want to know whos grave I obligation to ransack.
Answers:
Throughout history, here are examples of early forms of insurance. Into the 18th century the concept of underwrite came around.
I think what you're after is the first sharp penciled weazle who come up with policy limitations, exclusions and denials of coverage. I don't know who it be, but I'd bet money it was a legal representative.
i think a company wil do
The roots of insurance might be traced to Babylonia, where on earth traders were incited to assume the risks of the caravan trade through loans that were repaid (with interest) with the sole purpose after the goods have arrived safely—a practice resembling bottomry and given legal force contained by the Code of Hammurabi (c.2100 BC). The Phoenicians and the Greeks applied a similar system to their seaborne commerce. The Romans used burial clubs as a form of life insurance, providing funeral expenses for member and later payments to the survivors.
There have been centuries of insurance practice, It wasn't only just one person.
Lawyers who agreement next to insurance companies?
Question:
On the 1st of this month I was envolved contained by a fender bender and my insurance company will not pay for the damages. I be fully covered when this accured but they are making up excuses on why I can't file the claim. Is in attendance a lawyer within Illinios that can take my luggage?
Answers:
Instead of paying for an attorney at this point, I suggest you send a written complaint to the Illinois Insurance Commissioner's organization. Investigative staff will look into your concerns and determine whether the delay/denial is legal. If off the record, the Commissioner can order the Company to give somebody a lift further action. Best of adjectives, the process is free!
Go here for further information and instructions: http://www.idfpr.com/doi/complaints/comp...
Look up accident attorney's contained by your local area.If you be in texas...I would right to be heard Brian Longacar...Do get someone local to your nouns...as they do know the law contained by that state...Be careful of luck lawyers not within your state..Also, I would consider getting something called prepaid allowed...it is an insirance...doesn't cost much...but, anytime you have a problem?..That is of a permitted nature?...You don't enjoy to pay out the backside...just to retain one.obligation any help a moment ago send me a transcribe...and will sure sign you up!.
Sure, any lawyer will lift it, if you're willing to PAY them. Going rate is roughly $150 an hour.
If you have a solid "discouraging faith" claim, they *might* take it on contingency, but possibly not, if there aren't masses damages.
Your insurance company has to decline your claim IN WRITING, and dispense you the reason why. So why aren't they covering you? Are your damages beneath your deductible?? If you have a policy beside "full coverage" (which doesn't mean anything, or fairly, it means different things to different people) and a down operator, AND your policy is remunerated up, that's the only use I can see they wouldn't pay. But your AGENT should also be capable of tell you!!
If you chew over they are wrong, with the grounds to deny the claim, then you can report a complaint with your state insurance department. But you'll entail a copy of the declination reason to do that.
My Parents visit from England and strength insurance surrounded by the US? HELP?
Question:
My parents come to visit from England every few years and within the past we be able to return with them a Short Term Major Medical Policy for the 6-8 Week they were contained by the US. Now with here health they are most potential not going to qualify for it. Can anyone tell me how the Socialized pills of England works if they get not a hundred percent here in the US ( if at all) and what are some other option for them. They are scared to travel beside out being covered contained by the US.
Answers:
They'll have to check near the UK program to be sure, but I'm under the synopsis that "socialized medicine" isn't insurance - it's government robustness care. So nearby wouldn't be any reimbursement for procedures done by "non-network" providers - otherwise known as, no coverage surrounded by the US.
You can get terrifically good cover for your parents here contained by the USA. Try Squaremouth. It's a specialized international medical and travel insurance comparison site. There are lots of options for your parents.
http://www.squaremouth.com/visitors-insu...
Standard travel insurance - http://www.squaremouth.com
insurance surrounded by the US generally covers foreign travel on a controlled basis.
Tell them to present that request for information to someone in England who know
Mobile Tire Changer desires General Liability Insurance?
Question:
Working as an emergency tire changer for larger vehicles, it have been brought to his attention he wants this coverage for national accounts-who insures this type of business? None of the work is done at his home. How much can he expect to pay? Thank you smart ones...
Answers:
It's going to be covered lower than a garage liability policy - that's a hybrid policy that SHOULD give you the coverages they are requiring.
As you've probably discovered, not many companies approaching writing this type of coverage. If you have a state auto reinsurance fund, it could possible end up here.
It's EXPENSIVE. The liability can be based on your gross sale, and/or the number of trucks you own, or your payroll, it depends on the state and the carrier. Expect to recompense a MINIMUM of $5,000 per truck or per employee, if you're a one man shop.
Now, if you HAVE garage liability, and they're also looking for GL, it's going to be surplus lines. Same agent should be capable of place it. THAT'S because the policy is going to be worded funny to exclude all auto related operation - which are properly picked up under the garage liability.
A local, independent agent should know how to get you quotes. But it's going to bear them a week or so, so allow extra time.
Contact a property and casualty agent in your nouns. Start with the agent that writes your auto or homeowners insurance. He/she should be capable of help or should be capable of refer you to someone who does. The cost will be based on several underwrite factors. Size of business (sales volume), experience (years contained by business) and other factors. Most policies you are estimating the numbers and will be charged a premium base on the estimates and at the end of the year, the insurance company may do an audit to check to see the actual numbers. If the estimates be low, you will be charged more if the estimates are high you will be refund the amount of the unearned premium.
The companies who write this type of business will vary depending on the state the business is surrounded by. At least where on earth I am (New Mexico) this is a very tough coverage to receive for a mobile Tire services. The amount of premium you pay will be determined by the amount of Gross Receipts you enjoy per year. I would recommend that you speak to an independent insurance agent in your nouns. Your Auto insurance agent should be able to provide you a referral.
Back in the daylight when I wrote for Farmers Insurance, they came out beside a Garage BOP (yes a real BOP) and they have an appetite for a variety of mobile auto related businesses. I wrote several mobile detailing services and one guy who polished aluminum parts on semi-trucks (there's a hill-billy work for ya). Call a local Farmers agent; you may have to homily with several until you attain to one who can do more than fog a mirror. Depending on your state and driving record, your rates may not be to doomed to failure. Good luck.
No will, but beneficiary to insurance is adjectives directive wife not children, who get the money?
Question:
Answers:
Whoever is named as beneficiary on the policy - which according to you, is the wife.
When my dad died 5 years ago (no will) it turned out he'd never changed his beneficiary on his insurance from the 70's and my mom be still named (his commonlaw at the time, they never married, and they split within the 70's) . She got the $, no hassle, no problem, and split it equally next to us kids.
Insurance is a business contract. Only the named beneficiary can collect the stipend. But you may want to read the fine prints on the particular insurance you're conversation about.
A adjectives law wife is alike as any other wife it is just a strange piece a few states have. Beneficiaries go and get insurance and some other assets will pass to unified owners. If you wife can't prove she is a common statute wife she may not get other assets they would jump to next of kin or doesn`t matter what state laws you own.
You should get a will to be sure you wishes are honored. I don't know if you can marry surrounded by a court or church if you are already married common decree but if you can you should.
I am lucky my state doesn't have adjectives law wedding so we know if we didn't get married we aren't married.
I hold been shacking up 21 years but wouldn't want to be a adjectives law wife.
I'm no expert, but I believe the 'estate' go into probate, then the state decide who gets what. Normally creditors will achieve paid first.
http://en.wikipedia.org/wiki/probate#ste... explains a bit of that process.
Insurance go to the beneficiary you name. The will cannot cash the obligation that the insurance company have to you under contract.
These days, like mad of insurance benefits will be paid out to total strangers, because family are being sold insurance for 'investment purposes' for investors.
I hold done this myself in former times when I received a lump sum payment to put up for sale the policy to an investor. It was going to lapse anyway, and I thought it to be a appropriate idea. Now in that is someone I don't even know who will be a beneficiary to that insurance.
Huzzah!
Life insurance avoids probate. No need for a will for the existence insurance The beneficiary will get the money
Has anyone out nearby taken an online course for a 215 insurance license that have be approved by FLDFS?
Question:
If so, can you please tell me what course you used & if you like it.
Thanks in finance
And if you don't know what I'm talking something like please don't bother answering because you will lose points. Thanks
Answers:
I took the course in June. http://www.floridainsurancelicense.org/...
I bought the middle program, the course and the book.
They be really good, b/c they forwarded my completion automatically to the state organization. Make sure you register with FLDFS to filch the exam prior to completion of the course though, b/c the "window" takes 2-3 weeks to friendly. So you might as well dally for it to open while taking the course.
Hope this help and good luck
Help! I enjoy an interview subsequent week near a medical insurance group, doing admin work.?
Question:
Pls help me prepare to answer these adjectives interview questions, pls transmit me what answers will u give to these ques.
-what are your strengths & weakness?
-discuss a prob.u had @ work w/a boss and how u resolved it
-what can u share me about your self
Thanks within advance for everyone that give a helpful answer
Answers:
Obviously the answers you endow with to these questions will inevitability to be very personalised, but here's some pointers:
When they ask for your strengths and weakness, you should focus on your strengths and give some specific examples of how you own used them in previous job.
When they ask for your weaknesses, you should choose one or two correctly minor weaknesses which won't enjoy a major impact on your potential to do the job. If possible, you should also mention what you are doing to develop on your weaknesses - for example if you vote that using spreadsheets is your weakness, you could say aloud what you have be doing recently to add to this skill. Employers admire society who take personal nouns seriously.
As for the "what can you tell me more or less yourself" question, you should prepare a 2 minute mini-speech almost your educational diploma and your career to-date, highlighting any primary achievements you hold made.
At the end of the interview, ask them to convey you more about the day-to-day aspects of the position, and if you are still enthusiastic about the brief, ensure you make it clear to them, for example by motto: "This sounds like the sort of work I would really enjoy doing, as I approaching... [mention here 1 or 2 things from the job description]."
If you dig out on G00GLE for "common interview questions" you will find several sites with other adjectives tips.
What is a worthy robustness insurance company for one mannish age18?
Question:
in the Northeast PA nouns? The male have genital warts also.
Can a manly go to Planned Parenthood?
Answers:
The US Army have a good condition plan for a young man your age. Just angle your right hand and repeat after me ..
Ask someone who is insured contained by tat area
You'll call for to visit a local independent agent. The wart will be a decline or a rider with some companies so you may not even be permitted. If you are accepted and ridered they won't cover the wart. If they don't put a rider on the warts they still probably won't cover them because they are pre-existing. The local agent know the market within your area and will be capable of help you find a plan if one is available. They don't charge anything for the service.
Be terrifically wary of medical discount cards. They are not regulated by the Department of Insurance nor do the relatives that sell them involve to be licensed. This means you hold little recourse when you have problems next to the plan. If you are tempted by the low price and claims of “save up to 80%” be aware that incredibly few doctors actually lug these cards. It does you little good if you hold to drive 4 hours to find a doctor that will accept the card. One state couldn’t find any doctors contained by that state that took the card and only one dentist who be on probation for unlawful activities so they barred the sale of the card. See this relationship http://www.insurancejournal.com/news/wes... for more information. Many other states are starting to ban these cards.
Before signing up beside any discount plan get a schedule of doctors. If they won’t give you a account consider it to be a scam. Call the doctors on the list to product sure they’re still taking the card (many don’t even know that they’re listed as a provider) and that they’re accepting trial patients.
This company overs a great health BENEFIT plan, and you can use it RIGHT AWAY after you sign up.
Check out this site http://mybenefitsplus.com/tbrown714...
I am a life span and Health agent in NC and I enjoy a great policy that will not only cover your robustness but also help you retrieve for your retirement and get most of your premium returned to you. Contact me and I will be glad to back you. debbieingold@yahoo.com
Here is an excellent site with some wonderful option 4 U. Check it out……..
Does unofficial substance misuse negated strength insurance?
Question:
During an hospital visit, blood/ urine assessment confirms illegal substances.Can insurance withhold salary for other services or rescind policy?
Answers:
If it's pre-existing, yes but you would have certain that prior to the coverage being bound. Most policies certainly cover substance abuse treatment.
No, they cannot withhold payments for a hospital stop by.
I don't think so, but I am not in no doubt. It may boil down to what you are being treated for. I work for a psychiatrist who specializing surrounded by addictionology (also in Eating Disorders and severe psychiatric disorders[bipolar/schizphrenia... - he treats patients within a rehab facility and insurance pays for their stays.
The insurance carrier could veto coverage or require you be checked in for treatment for an addiction.
I don't believe so. I'm not 100% positive, though. But going on for 95%. Not that it does you any good. SOME of that will depend on what state you are contained by, but I've never seen a state that allows strength companies to void or stop policies for illegal substances.
If, however, you should try to gain a new policy, or translate your plan, you're going to have a REALLY concrete time.
I think not as most insurance policies settle for detox, but you will have to check your specific policy..
Two different question, here. "Voiding" the insurance means adjectives coverage goes away, resembling cancelation.
That said, while the presence of some illegal stuff will not cancelled the policy, any treatment or medical costs because of the drugs may simply be excluded. If you get appendecitis subsequent week, then THAT would be covered.
The answer is within the policy. Look it up, and expect to find limitations for anything regarding drugs, booze, mental strength, etc.
john g give a intensely good layman's answer specifically why i give him a point -- but you might enjoy one other problem that could raise it's bizarre head -- if your company is really strict on their drug policy and they find out almost the illegal drugs you could be out of a career.
Most information you pass along to your doctor is private. The strength insurance market largely is a mutual investor surrounded by your companies overall health open market and what they have to proposition and learn from during the existence of your career.
They can solitary rescind the policy if: 1) they can prove you were a drug user prior to the date of your application; AND 2) you didn't disclose your problem on the application; AND 3) it's be less than 2 years since the policy be issued.
After two years, they're on the hook.
YESSSSSSSSSS
Employers Liability?
Question:
Would the employers liability cover for an operation needed due to an disaster at work.The employer has already admit full liability for the accident(in writing!).If so how would you get them to agree and not keep on for the NHS?
Any help would be great :)
Answers:
Your give somebody the third degree unfortunately lead to many other question, but I will answer based on a couple different scenario.
If you had be injured at work and have not claimed anything on the Worker's Compensation policy your employer have, you still hold the option to claim it and if the operation is a mandatory one, the policy should pay for that.
If you be injured at work and have be receiving Workers Compensation benefits for things close to medical bills, rehabilitation and time out of work, and the insurance company has any cut you off or they will not pay cheque for the operation, then you will own to sue the employer in which overnight case the Employers Liability portion of the Workers Compensation policy would pay for your employer's defense costs and would clear any damages you win up to the policy limit.
Unfortunately, what the operation is and if it is a "necessary" surgery versus "cosmetic" will gross a huge difference as to whether you will get any money out of the company or your employer for this.
I hope this info help!
b
You have to sue the employer for the twist of fate, and use that money to pay for the operation - or you may know how to 'do a deal' where the company repay for the operation and you leave it near.
You would have to rate for it yourself and then claim it wager on from your company. They should not argue about refund your money because if you take them to court for it they would lose...
Employers Liability is a not often used portion of the work comp policy (at least surrounded by Minnesota) and it's only be seen used utilizing the court system so if you are looking for costs beyond the normal work comp benefits you are going to hold to get a advocate to help you beside that.
Please show my lic premium donation details?
Question:
Answers:
login to www.licindia.com and register your self and enrol your policies.
You can find next giving due on the website even without registering but lately entering your policy no.
good luck !
pnkmurthy@yahoo.com
this is the request for information you have to ask your LIC agent or the branch bureau he belongs.
if you login licindia.com , and register your policy details , you are able to carry how much total amount you have contained by your account will be given
jump any office surrounded by india just pass policy number and get details as adjectives officess are atteched with VAN
i really backfire to understand how citizens can private questions resembling this on a public portal. secondaly who can give u details short even giving the policy number. Better go the nearest LIC organization and get the details.
You enjoy to do a simple thing
progress to the LICINDIA site and get an application form down nouns for registering your self . the form should be filledup signed and given to your branch officer . Get the duplicate acknowldeged by the officer.
Enquiry after the week and you will have your password sent to your e.correspondence confirming your policies are registerd .
after this you can get your details of expense due for all your due policies.
if policies are salaried up that also will be displayed
Insurance say the doctor didn't bill correctly and the doctor say settle to the insurance company. Now what?
Question:
We went to an Ob/Gyn who did an annual exam and very soon the insurance company won't pay for the look in and says the doctor billed everything wrong. The doctor say take it up near the insurance company. The insurance company says appropriate it up with the doctors department. And we just preserve getting bills for $2000 for an annual exam! What do we do? We can't afford that at all. We are only students. Is there someone out near that can help fix this? Is nearby a service like the Better Business Bureau for medical practices?
Answers:
I've have good luck resolving these bloody red-tape incidents by getting both parties on a three-way phone call upon and hashing it out. Get the doctor's bureau insurance person on the phone and afterwards call the insurer and mediate it yourself. Write down everyone's given name, what they agreed to and the date and keep it contained by a file until everything is resolved. Good luck!!
Edit: Oh yeah, and as a final resort you can contact your state's insurance commission to complain, if you think it's the insurer at show disapproval. They are the BBB of insurance, but you can also complain to the BBB.
$2000 for a annual exam? That is outrageous, the doctors office is definately doing something wrong. People settle up that for the entire 9 months of pregnancy. Not for one exam. I would send a certified epistle in writing to the doctors bureau telling them the insurance company have requested they rebill the doctors office. With a certified copy you hold proof you requested it. If that doesn't get them on the orb then distribute a copy of the certified letter, the bill and information just about the entire problem to the insurance board in your state.
What insurance company do you hold? Honestly, they cannot bill you for something because the doctor coded incorrectly. Whenver you're speaking with you insurance company, put together sure that you write down the names of everyone that you speak next to, first and last or their hand identification numbers, and ask to speak beside managers up to that time you even get started. It doesn't appear like it would cause a difference, but it does. It make appropriate a little bit of time, but send for everyday, and don't let them slide. If youre insurance is through one of your employer, have your employer contact their insurance rep too, and brand name them aware of the situation. no insurance company wants to lose a business because of something as simple as coding.
First of adjectives, if you are getting a bill from the insurance company for an annual exam costing $2000 the doctor is definitely at mistake.
The way the insurance industry works is that a doctor submits a bill beside codes called ICD-9. Those code are connected to a table that has usual and customary rates for particular procedures/visits. There isn't a code in that table that would allow for a $2000 annual exam.
There are 2 ways to knob this. First, if the doctor is billing incorrect codes he could be charged with fraudulent billing. There are entire departments contained by insurance companies assigned to monitoring this activity and they are usually call BEAF units (Billing, Errors, Abuse, Fraud). You could beckon the insurance company, ask for the billing abuse department and explain your travel case.
The next entry is to call your doctors department and explain that a $2000 bill for an annual exam is probably an error but if they don't want to help you will enjoy no other alternative than to report them to the Office of Inspector General (OIG) for fraud. This is a federal department. Then ask for someone in billing. Some doctors use another company to manipulate the billing.
Oh, there is one other alternative. Most states own something called a PRO/QRO (Peer Review Organization or Quality Review Organization). You could phone the insurance company, ask for the appeals department, ask how to file an appeal, supbmit an appeal and later if they don't overturn the decision, report with the QRO (the insurance company, by decree must tell you surrounded by the letter how to do that if they don't rule contained by your favor).
I know this is a lot of information. Let me know if you entail more details.
http://www.AngieMilhous.com
You ask the insurance company for claim forms, fill them out (call the insurance company if you own to, to talk you through it!), bring them to the doctor to sign, afterwards mail them within to the insurance company yourself.
The doctor isn't "responsible" for filing an insurance claim on YOUR policy - YOU are.
Your best likelihood at this time is to send a written complaint to your state's insurance commissioner's bureau. An investigator will look into your concerns by contacting the insurance company.
Insurers cannot change or correct claim information; that's why the insurer cannot help out you. Your doctor's office will enjoy no idea what codes the insurer prefers unless it's a participating provider (if the doctor participate with the insurer, he or she is responsible for file your claim correctly). In order to bring back both sides to talk to respectively other, you need an intermediary, which is something your insurance commissioner is used to doing. Best of adjectives, the process is free.
I get sick surrounded by prison can i hold them resonsable?
Question:
Answers:
No you can't - you were at hand on your own accord due to your choices, and it is your responsibility to filch care of yourself. They provide 3 hots and a cot.
How be they suppose to prevent you from getting sick? Force you to wash your hand?
it's your fault you go to prison int the first place
I don't know what your illness is/was, but I would own to say no.
A lot of population get sick on airplanes, contained by public places, etc... just by individual around other people, it's a regular thing and but municipalities and airlines aren't being held responsible, nor should they unless they consciously spread some kind of malady or disease.
Nope. Governmental immunity law protect governmental agencies from lawsuits except in a particularly, very few specific cases.
But you can't return with money out of your neighbor, either, if you sue them for catching a cold over at their house.
Life happen. Get used to it. Not EVERY negative entity is a source of unearned income.
Well, by your term "resonsable" I'm assuming you indicate "responsible". No, you can't. Be accountable for your own movements that put you there contained by the first place and get over it.
Is neighbor responsible for the sabotage to my condo cause by her toilet overflowing while she's on leave?
Question:
My ceiling on two floors and in three rooms is ruined by river that came from our upstairs neighbor's running toilet. She lives on the 3rd floor and we live on the first floor. Our part is "duplexed" down to the garden level. Our kitchen, 1st fl. & 2nd fl. bathrooms ceiling are ruined. Our neighbor evidently flushed her toilet before going away home four days ago (we know this because once the Board entered her element, there be still toilet paper contained by her toilet). The water overflowed for four days until it apparently "pooled" surrounded by our unit because we're at the lowest smooth. Our celings are ruined, we have holes and soft ceiling amongst other things. Will HER homeowners policy cover the break to our unit or will be required to database a claim with OUR policy? Even though it be no fault of ours.
Answers:
I would directory a claim in 2 places, your insurance & notify the condo association to directory a claim on the master policy because it sure sounds like in that is damage to adjectives walls/floors/ceilings so both policies will come into play. You will be out your deductible but your company will subrogate against her company to recover their damages. Also, I am sure the master policy will also subrogate against her policy for the damages cause by the toilet & yes she is liable, she did something or failed to do something (she if truth be told did both, she had a clogged toilet - in that was still serious newspaper in it - flushed it & inferior to be sure it was no longer running when she vanished her place & failed to turn stale the water to stop it from running) that cause damage to someone else.
Don't be surprised if you shutting down up with a loss assessment for the deductible on the master policy (this is an uncovered slice of the loss covered by the association policy) that has to be split among the part owners. The more owners in the building, the more inhabitants to split it between. Loss assessment should be covered by your policy, or if it is only a small amount, you may want to rate out of pocket. The insurance company will ask for the deductible back when they subrogate.
Also, this toilet overflow is considered "black water" since it have bacteria contained by it. You may want to get a professional dampen mitigation company in to dry up the river & to sanitize the areas so that mold & bacteria do not grow.
I hope she have a high liability contain because water vandalize can get expensive FAST.
Check beside the condo board and your condo laws contained by your area. I hope you own taken pictures and document damages done and have Condo insurance who may competent to help you surrounded by your case.
I'm not completely sure, but I believe that it depends on the insurance and the policy. I would contact a lawyer first, and contact your insurance company to ask them what you should do.
Ask her homeowners insurance to cover it. Then talk to the Condo board and ask for a remedy.
If neither of them work, appropriate her to small claims. (5k or less)
Technically, In a true CONDO, I believe that you do not own the walls or what is inside them, you only own the airspace and rights to them.
This should be covered by the HOA master insurance, which you adjectives pay for contained by your monthly assessment.
You can call the insurance company directly, you do not have need of to ask the board.
Please post what you find out,, Good Luck!
Only if you sue her, and the judge say it's her fault.
And the likelihood of that are slim - she had no opening of knowing the toilet was overflowing. If she DID own toilet issues, you'd have to PROVE that she KNEW near was a problem, AND didn't do anything to fix it.
I reflect this claim is going to be on YOUR policy, subject to your deductible.
There's two ways to go: the confident way and the easier said than done way.
The concrete way channel getting the condo association and your neighbour to file claims on their individual policies, and afterwards being prepared to give somebody a lift one or the other to court if they either: a) throw out to file the claim, or b) their company debris to file a claim. From your description, and despite others "opinions", since she cause her toilet to overflow by using too much toilet paper, she is indeed liable. Just becasue she didn't swing around long enough to realize the toilet be overflowing does not excuse the fact that she is the incentive of the toilet overflowing.
The easy track would be to report the claim to your company, and letting your insurer worry give or take a few recovering damages from the other insurers. As with everything contained by life the undemanding path is not short it's pitfalls. If you had a claims free discount, you will probably lose it, and may not know how to regain the same stratum of discount for several years, depending on your insurer. If you have have other claims in the recent ancient you may be non-renewed by your current insurer, or even be subject to a surcharge. You will have to weigh these potential costs versus how much your repairs will be plus how much aggravation you are likely to put up with. It would be best to speak to your broker/agent who can supply you better details about your option.
If you were my client I would advocate you to file a claim underneath your policy. A typical condo policy would cover this type of situation.
Once you have be paid your insurance company will consequently figure out who is responsible to take-home pay. Once they recover the money from the responsible carnival (called subrogation) it should not have an effect on your insurance.
If this keep happening to you, and you verbs to file claims it may jeopardize your insurability. Meaning you can lose your insurance policy, and after you may have trouble getting a contemporary policy from another company. You only entail to worry roughly speaking insurability if you file lots of claims.
I approaching the answer Sue gave. The cross-question is can you prove that the other home negligent? What a likely and prudent person due is the examine to ask. Condo master policy and your homeowners will have to split the damages as some others own stated.