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Please Help Find - Standard Form Fire Insurance Policy Authorized By State Of New York On December 31, 1934?

Question by Phil | Posted in Insurance

Aloha,
The Standard Form Fire Insurance Policy as authorized by State of New York on December 31, 1943 is the minimum insurance coverage that all insurance firms in Hawaii must offer by law.

It is of particular interest since it doesn't allow insurance companies to get away without paying when a house is damaged by a lava flow.

Reading the fine print always makes you worry...and many policies issued in Hawaii state that they exclude coverage for lava flow. Yet I confirmed with Hawaii's Commissioner that by law they must comply to this New York form that says they can't.

Questions
1. Anyone got a copy of this document? I think it is

Answer: I find it VERY hard to believe that that form is still the "standard" for use in the state of Hawaii.

You would check with your state insurance commissioner, and they WOULD have a copy of that form on file. Any form CURRENTLY approved or required for issuance, IS on file with your state insurance department.

Your insurance policy is a contract. If your contract specifically states that "lava flow" is excluded, it's excluded. And in Hawaii, if insurance companies were REQUIRED to provide that coverage, I'd guess that you wouldn't find many, if any, insurance companies willing to provide coverage in the state.

A quick peek at
 
 

Can You Receive New York State Unemployment Insurance In My Particular Situation?

Question by gandhi165 | Posted in Financial Services

Here is my sitatuation. I am working at a job I hate and want to become a writer. I need somehow stop working at my corporate job so I can make the transition. I am currently messing up badly at work (on the path to being fired) So, do i TRY to get fired? Do I sit down and tell them it is in our best interest that i quit? Any advice would be great!

Answer: it is a great ambition that you want to be a writer but ya gotta eat!!! if you hate your job just get another.maybe a part time? this will allow you to write. also telling a company you work for that it will be in their best interest to fire just won't wash. remember that it is the employer who PAYS for unemployment, i don't think that they are going to say ok. you may also be denied benifits and have to go to a hearing where your real intentions may come to light, then no benifits. i think that just getting a part time job will serve you better. also i have friends who are writers and they work 6 months out of the year and collect unemployment for 6. i have never lost a case in labor court

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Looking For Rating For The Company "NY Property Insurance"?

Question by Ooooohp's | Posted in Insurance

I'm looking for the rating for the Fire Insurance company "New York Property Insurance" (www.nypiua.com) Kindly advise.

Answer: You can't find it, because it isn't a proper insurance company. It's a "fair plan" type underwriting association, run by the state of NY, for people who can't get regular property insurance for one reason or another.

Coverage is usually narrower in scope than a standard policy, but you don't have to worry about financial status, because it's backed by all the taxpayers of the state of NY.

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I Worked 7 Months In 2 Companies, And Got Fired, Am I Eligible For Unemployment Insurance?

Question by ayan | Posted in Other - Careers & Employment

I worked in one company for 4 months, then I quit and found another company. I worked at the second company for 3 months. I was fired today. Am I eligible for New York State unemployment insurance? My manage didn't give me any pink slip, he just tell me that the business was not good, the company didn't need me anymore. Do I need any proof from him?
Thanks.

Answer: if you got fired through some fault of your own, you are not eligible

to be eligible for unemployment, you will need proof from your manager that you were let go through no fault of your own

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My Mom Is About To Move To New York And My Dad Hates My BF What Do I Do ?

Question by Davids Girl | Posted in Other - Family & Relationships

My mom might have to move to New York because back in october we had a house fire , They didnt have House insurance and had to by an new house . My mom is an at home mom and doesnt work and my step father is lade off. I just lost my Step mom and now that the 3 people that help me see the love of my life because my dad wont are all about to leave me. I havee to come up with 3,000 dollars soon or my life might be over! My wonderful boyfriend Is helping me and i dont want to lose him , what is the way to raise a little money???

Answer: It seems like this really isn't your problem directly. Where did NY fit in? Dunno, best bet, stay in school and don't worry so much, seems like you're just a kid. Good Luck :)

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NAMIC Chair Says Business Model Bolsters Mutuals – National ...

by james

Five of the top 10 mutual insurance companies, based on net premiums written, saw a decrease in net premiums written from 2008 to 2009—Nationwide Mutual Insurance, American Family, Auto Owners, Country Mutual That says something about the advantages of the mutual business model, according to Sandra Parrillo, president and chief executive officer of Providence Mutual Fire Insurance Company—one of the oldest insurers in the United States, whose roots can......

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