Home Owners Insurance Cancellation

Ark. AG suing roofing company

LITTLE ROCK, Ark. (Legal Newsline) - Arkansas Attorney General Dustin McDaniel filed a consumer protection lawsuit on Tuesday against a Fayetteville roofing company that allegedly failed to deliver on promised roof repairs.

The lawsuit against Razorfast Roofing, its predecessor Razorback Roofing and owner Shawn Redmond alleges that the company failed to deliver after taking insurance payments from at least 19 homeowners in northwest Arkansas. The suit also states that the company engaged in aggressive marketing tactics to obtain roof repair contracts from homeowners in neighborhoods that had been damaged by storms. The company allegedly did not fulfill its obligations under those contracts.

The lawsuit was filed in Pulaski County Circuit Court. It alleges that the company violated the Arkansas Home Solicitation Sales Act and the Arkansas Deceptive Trade Practices Act.

"The defendants in this case were extremely eager to take money of Arkansans with storm-damaged homes, but reluctant to do the work they were paid to do," McDaniel said. "The defendants continued to seek more customers as homeowners who already turned over their insurance proceeds to the defendants waited for repairs. Arkansas consumers deserve better than these kinds of empty promises."

The lawsuit alleges that the company targeted its telemarketing efforts on neighborhoods with storm damage. Consumers provided payments from their insurance carrier and signed contracts for the roofing services, McDaniel said. Once the company had the money in hand, it allegedly either unfairly delayed work or neglected to provide the work at all.

In some instances, insurance carriers threatened to cancel homeowners' coverage because the roof repairs were not finished. When consumers exercised their right to cancel their home solicitations sale contract within three days of signing, the defendants allegedly refused to refund consumers' money, which is required by state law.

Does homeowners insurance cover your car, if you canceled your ...

Homeowners will not cover it. Usually these days, the DMV will cancel your registration of you do not have insurance on file, and your insurance company will tell the DMV if/when you cancel. There is no way around it.

Insurance sucks, but it saves you a huge lawsuit and bankruptcy if you hit someone. No insurance = you will be wokring for someone else the rest of your life if you hit them.

No, your homeowners insurance will not cover any such liability for a car as you describe. I have a collectible Camaro which is insured under my homeowners, but ONLY for damage to the vehicle while stored. If I elect to DRIVE the car, I need to have auto liability. Once such a car is ‘on the road’, you need automobile liability coverage.

Homeowners or renters insurance covers loss of your personal items if they are stolen from your car. I had such a claim and was reimbursed by insurance. It does not cover auto damage. If you registered your car as non-operating you are exempt from insuring it. If you drive it anyway and get cited by police for any infraction, you pay a heavy fine and lose your registration.

No. Every homeowners policy actually has specific exclusions written into it – your car is NEVER covered under your homeowners policy, even if it’s not registered, and you use it for a planter in your back yard.

If you want coverage for your car, you have to buy an automobile insurance policy. In some circumstances, you can buy “comprehensive only” coverage, for your vehicle in storage, that is NOT registered for road use.

Homeowners insurance does not cover your car under any circumstances. Even if the earth stops orbiting the sun and goes to orbit another star, homeowners insurance will not cover you car.

In many states, you must have coverage for liability as long as you continue to own the car, and the only thing that you can do to avoid needing insurance on it is to sell it.

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