homeowners insurance in not responding to my needs?
"i came home from a trip a few days ago. i found my front door kicked in, all of
my electronic gone, jewelry, and even my clothing gone. most of anything left
has been dameged.the insurance company had me to call a company to have the
doors secured. I have burgler bars across the back of my home, however there was
a key in the house that the burgle now has. I have no home for now, no cloths
and I’m do to return to work on Saturday. the insurance company says they will
get around to a walk through sometime next week he thinks. the insurance claims
ajuster also asked why don’t I just fix the door and the locks and go home.The
policeman that went in with me at the time I discovered the breakin said it was
the worst and most malishus he had seen. The insurance man that i took out the policy with told me
that he was coming out to walk through the process with me. when I called today
a was told he no longer as of TODAY work there. no other information was given.
The Insurance company has left me out there with no help and no anwsers. Each
person I speak to tells me to call someone else. I’ve even been asked by someone
at the insurance company, what I thought they should do for me. I need help
where do I turn? what do I do?"
My name is Katy and I am Hirby's Financial Guru with 20 years of experience and expertise in financial markets, insurance and tax strategies. I'm inspired by those who pursue their financial goals and I am here to help. 
My name is Tom and I am Hirby's Legal expert specializing in Real Estate and Injury Law. I have over 15 years of experience helping people online with legal advice and strategy.
April 1st, 2010 at 5:06 pm
Sounds to me very much like you may have been part of a scam. It is very possible that the guy that sold you the policy, was collecting money from you, but never gave you a real policy. if I were you I would write a letter to your insurance, asking for them to honor your policy. Then you need to contact the insurance commissioner in your state.
When I purchased my first car, and got my own insurance policy. I heard one day on the news that my policy was no good and the insurance was a scam. Luckily, I did not have a wreck, or else I would have been in real trouble. However, I did try to suit as a part of a larger suit. However, by the time tr all came down to it the insurance owner went to jail, but we got nothing. After all the legal fees and all, the company had nothing to pay anyone.
I hope this is not the case for you, maybe the insurance just needs a little push to pay you, let the commissioner help you with all of that. If that does not work, you may need a lawyer.