An insurance company can only cancel a home insurance policy for reasons stated in the policy and permitted under the law of the state in which the policyholder resides. Claim A policyholder's request for reimbursement from an insurance company under a home insurance policy for a loss to property. Deductible The amount a home insurance policyholder must pay out of pocket for a covered claim.
If so, that would be an infection. If the warm sensation is like a burning or tingling in the area without any redness of the skin / joint then it is more likely that you have a pinched nerve and/or muscle spasm coming from your neck and radiating down your shoulder. ...Read more.
1 Nerve irritation in the cervical spine can lead to pain, tingling, or numbness in the neck, shoulder, or arm.  Nerve irritation in the thoracic spine can lead to upper back pain, pain along the ribs and chest wall, and rarely pain in the abdomen.