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 Posted: Wed Mar 05, 2008 12:19 am Post subject: |
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I will be sure to discuss this with her .No use paying for coverage that will not pay anything.I think she still has the same insurance she had when her and father in-law lived there .I doubt she has thought about changing it.What is landlord's liability?
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hummingbird
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| Posted: Wed Mar 05, 2008 12:32 am Post subject: |
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well just that really it is liablity coverage/protection specifically for landlords, and any negligence that could be attributed to them in that capacity. (as a landlord)
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Lori
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| Posted: Wed Mar 05, 2008 12:58 am Post subject: |
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Ok I see. That is good but she did rent it out for a while , a few months.The only thing done to the house was it needs new paint is all. Usually the deductable is so high most people don't turn it in anyway. My hubby just today was doing work on an insurance agents house.. His wife says their deductable is so high they will just take care of the repairs themselves. You said it had to bne sudden and unexpected damage. Thiers was by water from a leak and from termites. How much damge actually do you see that is sudden? Not much unless it is storm damage.Otherwise we don't usually see water damage till we have had it a while and we get a stain on the ceiling. Or once I had an 18 wheler run into a mobile home I was living in.The trucks insurance paid for that though.Most damges can be found to be cause over time that we could not hav forseen.
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hummingbird
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| Posted: Wed Mar 05, 2008 1:02 am Post subject: |
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Well on water damage, sudden and accidental occurs when a pipe bursts or a hot water tank blows up, a dishwasher explodes...etc...on ceiling you are right mostly wind or hail damage some sort of storm in most cases...some policys carry back up of sewer or drain coverage, again these happen sudden and accidental NOT gradual...for instance, a stool has a slow leak that over the years rotts the floor out...not covered, same stool cracks and water goes everywhere in a gush...that is sudden and accidental.
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Lori
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hummingbird
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| Posted: Wed Mar 05, 2008 1:09 am Post subject: |
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I know and certainly agree, you have no idea how hard it is to tell some 85 year old couple with no money that you can't help them with their claim because they have had this leaking pipe for years and years, and it has finally gotten to the point of severe damage ...It's really heartbreaking on the 'denial' end too believe me..  but a homeowners policys is not maintence policys....(unfortunately many times)
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Lori
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| Posted: Wed Mar 05, 2008 6:28 pm Post subject: |
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Well it depends on ,did they know it was leaking.If a person knows something is causing damage and just neglects to fix it then ,that,I can understand the insurance not paying for something you let get out of hand and then end up costing much more than if you had done something in the beginning.
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