Property & Casualty Insurance/Expert Profile

Average Ratings

• Knowledgeability 9.83
• Clarity of Response 10.0
• Timeliness 9.48
• Politeness 10.0

• Number of Questions (in Past 24 Hours) 0
• Max Questions to be Asked (in 24 Hour Period) 5
• Total Questions (since joining AllExperts) 131
• Volunteer Since 2006-09-26
• Prestige Points 720

Recent Reviews from Users

Read More Comments

    K = Knowledgeability    C = Clarity of Response    T = Timeliness    P = Politeness

User	Date	K	C	T	P	Comments
diane	10/08/09	10	10	10	10	Thanks for your response-not what I'd hoped .....
Heather	09/22/09	10	10	10	10	Thank you for replying so quickly. I .....
John	09/10/09	10	10	10	10	Thanks Harold.
Melonie	05/21/09	10	10	10	10	THANK U SO MUCH...........I APPRECIATE IT
Seth	01/20/09	10	10	10	10	Thank you. Concise and to the point .....

Recent Answers from Harold E. Long, LUTCF, CLU, ChFC, RFC, RHU, REBC, CIC

2009-10-05 storage shed in friend's yard:

Hi Diane, The neighbors homeowner insurance policy would not cover your stuff at all, unless you were defined as an insured in the policy, and in this case you would not be. I don't know of any carrier

2009-10-04 home liability:

Hi Karen, You will have to read the exclusion section of your policy, but most likely not covered for worker's compensation claims, you would want to make sure they are properly insured. If they get

2009-09-15 Home Insurance Requirement - Refi:

Hi Heather, In New York, a section of state Banking Department regulation prohibits mortgage lenders from requiring a borrower to purchase insurance in amounts exceeding replacement costs. To learn

2009-08-12 home insurance for a duplex:

Hi Carol, The first question is do you all three of your names appear on the deed? Next, you cannot separate a policy, but you can see if the house can be deeded into two separate units, to be legally

2009-07-29 Home insurance with Farmers, American Modern Insurance Group, or American Family Insurance Group any advice?:

I would contact the department of insurance for your state, and see how this companies rate in your state for claims service, complaints, etc.. and let that be your guide. I would also suggest you contact