Yes, This is a common practice to insure the home has been restored to it's previous insured condition
Failure to Repair the damage could result in reduced coverage from your Insurer or even policy cancellation if the home no longer meets insurance underwriting guidelines for condition and moral.
If the fire damage has been repaired, you can get homeowners insurance from any company of your choosing.
Only if the insurance company believes it was your mom driving at the time.
No Way. Just like an auto insurance company writing full coverage on a wrecked automobile.
Insurance co. are not required to test drive any vehicle.
Yes, because they incurred the loss.
In most states, you will owe whats left owing after the ins. co. pays.
I totaled my Mustang and was able to buy it back from the insurance company. They gave me the Blue-Book value less my $500 deductable. They would not insure it after I repaired it, I had to switch insurance carriers to get coverage.
Have your car repaired through your Insurance Company on your policy. It is then their task to obtain the costs from the person that hit you.
Normally yes. Some companies may require proof that you have repaired the car and it is road-worthy.
Some insurance company. I forget what they are called.
Yeah, there should be no problem cancelling a claim on your insurance if it isn't under way already.
NO, not unless it is a total loss. If your house is being repaired by your insurance policy you must continue to make your mortgage payments.