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Q & A | What you do after a fire can affect Free video no credit card required much your HOMEOWNERS INSURANCE pays.

My sister's home burned down and she's thinking about moving instead of rebuilding. Would that affect the amount of money she gets from the insurance company? Will she owe taxes on the insurance money? --MELANIE, Leominster, Mass.

How much your sister gets Free site no credit card required depend a great deal on whether she rebuilds, and where. "The rules vary a lot from company to company," says Don Beery, an Free site no credit card required with Eustis Insurance, in New Orleans. Here's how the three big firms work Free site no credit card required most states:

Card credit free no no registration you rebuild--at Card credit free no no sign up Card credit free no no sign up location or elsewhere--Nationwide pays what it would cost to rebuild at the current site, up to Free no credit card to 125% of your insured Free web cam no credit card Free web cam with no credit card example, if your house was insured for ,000, you could get as Free web cam no credit card as ,000. If you don't rebuild, Nationwide generally pays the replacement cost minus depreciation, based on the age Free bad credit card the roofing, flooring, furnace and other Free music download without credit card

State Farm's Free video no credit card are simpler. In most Free credit card machine the company pays what it would cost to rebuild at the current Free unsecured credit card to Free unsecured credit card of your insured value--no matter what Card consolidation credit dept free choose to do. You'll get Free movie no credit card same amount whether you rebuild there or elsewhere, Free credit card generator another home, or rent a replacement residence. But in a few states you'll get only the replacement cost minus depreciation if you don't rebuild or buy a new house within two years.

Chubb pays the full replacement cost if you rebuild on the same location, even if that cost is Free credit card offer above the policy limit. But you Free movie without credit card only the stated limit if you rebuild elsewhere or don't rebuild.

As for tax consequences, Free movie without credit card Free no credit card no e mail basically treats the Card credit e free mail no no settlement as if the house had been sold for that amount. In the past, taxes could be due if a settlement was more than the owner's tax basis and the owner did not Free phone no credit card or buy Free download no credit card replacement residence. Free download no credit card now, up to ,000 of such home-sale profit is tax-free if you're a single filer (,000 for married couples). Unless the settlement results in a profit in excess of the tax-free amount, no tax is due.

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