Attorneys

Maine Insurance FAQs

• Q: How Much Time Does The Homeowners Insurance Company Have To Pay My Claim?
  A: Your insurance policy specifies the time within which your claim must be either paid or denied. Usually you are required to submit a "Proof of Loss" which documents … More
• Q: Am I Required To Provide A Recorded Statement About The Claim?
  A: Yes, your insurance policy requires you to cooperate with the insurer in the settlement of any claim. Many also require you to submit to an examination under oath.
• Q: Am I Required To Let The Insurance Company Inspect My Home?
  A: Yes. The insurer is entitled to be familiar with the property being insured. Most inspectors will call for an appointment, especially if they want to inspect the … More
• Q: How Much Insurance Must I Carry On My Home? What Happens If I Dont Carry Enough?
  A: For your own protection, you should carry enough coverage to rebuild your home if ever you suffer a total loss. Most insurers will require at least 80% "to value." … More
• Q: For What Reasons Can The Company Cancel (Non-Renew) My Homeowners Policy?
  A: Your homeowners policy can be canceled for any reason during the first 60 days of coverage, as long as you are provided with adequate notice. After 60 days, your … More
• Q: Why Is The Insurance Company Withholding Part Of My Claim Payment? It Has Been More Than 180 Days Since I Accepted My Acv Payment, Can I Make A Supplemental Claim For Replacement Cost Now?
  A: Insurance policies that provide Replacement Cost coverage, which is the amount it would cost to buy a new item that is identical or nearly identical to your damage … More
• Q: My Girlfriend/Boyfriend Lost Personal Property When Our Apartment Building Burned. I Have An Ho4 Policy, But The Company Wont Pay His/Her Claim. Is This Legal?
  A: Yes. Under your insurance policy, only people who are related to you and residing with you have coverage for their belongings. Your boyfriend/girlfriend needs his or … More
• Q: What Is Workers Compensation?
  A: Workers' compensation provides for benefits for occupational injuries or disease suffered by an employee, regardless of fault. The benefits include payment of medical … More
• Q: Do I Need Workers Compensation Coverage?
  A: The law requires almost all public and private employers to have workers' compensation coverage. The law defines employers as "private employers, public employers, … More
• Q: How Do I Obtain Workers Compensation Coverage?
  A: As a small business owner you have two ways to secure workers' compensation insurance. You can obtain it from a licensed producer who sells property and casualty … More
• Q: How Is The Cost Of Workers Compensation Insurance Determined?
  A: The cost of workers' compensation insurance is based on the hazards associated with the type of jobs related to the employers' business classification. Each business … More

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