DEAR BOB: I read your recent article about homeowner's insurance and your advice to never file a small homeowner's claim. I had exactly the opposite experience. I have had my homeowner's and car insurance with State Farm for many years and have never had a problem with them. When we moved into our home, within the first two or three years, we had to file claims for a new roof because of hail damage, a new kitchen floor because of a leaking refrigerator, and fixing a leaking shower. All of these claims have been filed since 1991.  more...

Gary owns a condominium in Pennant Village. After attending homeowner association meetings, he became convinced the association was being mismanaged and large profits were retained by the association rather than being used to repair deteriorating condo balconies.

"In his view, members of the board refused to allow him to formally address the board, refused to allow him to vote at meetings, alleged that he did not actually purchase his property, called him a liar, harassed him in other ways, belittled him, derided him, and threatened him," the judge later reported.  more...