by hummingbird » Sat Mar 01, 2008 03:35 am
My in-laws paid insurance premiums for years .Enough to add an addiction on to their house with the money. The had some damage to the floor of their kitchen which happened to be close to a water heater. When the agent looked at it he said it was from a water heater leak.They told him no, it had never leaked. So then he claims it was from water damage from water running under the house.he said it came under flood damage and they could not pay cause they had no flood insurance.So they had top fix the floor themselves.They ask the agent for flood insurance and he told them they could not get that because they did not live in a flood zone.I won't mention the name of the insurance company.My in-laws are the type of people who believe in turning the other cheek and will not fight or go to court for anything. My father in-law in gone now.
Posted: Tue Mar 04, 2008 01:04 pm Post Subject:
I think it was the vent in the roof that is what my hubby thinks.My mother in-law claims that one day she will go back there but I don't see that happening as she has bought a house in town.Does not want to live in the country alone. I will ask her about the insurance. No use paying for something that will not pay ,right?
Posted: Tue Mar 04, 2008 02:04 pm Post Subject:
correct, she needs to change this policy to a dwelling only policy more than likely...talk with her agent
Posted: Tue Mar 04, 2008 11:51 pm Post Subject:
What rules apply if she decides to rent out her home? I know the policy would not cover a renter.They need renters insurance.But if her house caugt fire would the insurance pay if she is renting it out?I heard that if a house is empty the policy does not pay either is that true?
Posted: Wed Mar 05, 2008 12:11 am Post Subject:
She needs to change the ho policy to a dwelling policy, some companies/policy may exclude damage to a vacant home, this could very well be company dependent, I wouldn't waste any time getting this straightented out...re: renting it out...she will need to have landlords liablity attached to the dwelling policy.
Posted: Wed Mar 05, 2008 12:19 am Post Subject:
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?
Posted: Wed Mar 05, 2008 12:32 am Post Subject:
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)
Posted: Wed Mar 05, 2008 12:58 am Post Subject:
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.
Posted: Wed Mar 05, 2008 01:02 am Post Subject:
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.
Posted: Wed Mar 05, 2008 01:06 am Post Subject:
In some ways I understand it and some it just does not seem fair in some cases .As that you cannot always see damage till it is to late.
Posted: Wed Mar 05, 2008 01:09 am Post Subject:
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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