Posted: Fri Jun 20, 2008 10:33 am Post subject: Burglary insurance claim under homeowners policy
Quote:
Quick question on insurance : if there's a burglary in the neighborhood occurred during fire .. is it possible for them to claim on fire policy insurance ?
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I don't think so- theres gottabe something called a burglary insurance to cover all these hooliganism! _________________ Register Now to have your Insurance queries solved.
I guess..they could certainly claim for those goods which have been destroyed by a house on fire..but not the ones stolen..am I right?
Pearlharborautopsy _________________ Register Now to have your Insurance queries solved.
Hi, see, home owner's policies would certainly cover for any losses to the place that you live in. Apart from that they would cover certain structures within your premises eg. your garage, household appliances & your personal belongings to some extent. But remember that the carrier would look for the following:
The state of your home (including the precautionary & safety measures) & a report from the police.
So, that proves you'd need to prove everything even if you try to pose the burglary into a fire destruction. Red_ribbons _________________ Register Now to have your Insurance queries solved.
A fire policy would be a named peril policy... only covering loss or damage resulting from a fire. Burglary (theft) would not be covered. The direct cause of loss for the stolen items would not be the fire. So, no... it would not be covered.
Some fire policies would cover this. Many go beyond fire and include other named perils. Theft is usually one of these.
I am from Canada and policies vary, so check your own policy carefully! _________________ I am an insurance broker from Ontario licensed for all types of insurance.
Friends...I guess there are enough reasons for not trying to file such a claim under fire insurance. I'm sure its a lot better for you to file a claim under burglary insurance. Even though your case is actually a case of burglary, you'd certainly need to explain how the burglary had taken place and what things have been looted. On the basis of this information your carrier would arrive at the amount of burglary claim that has to be met. Plasticmind _________________ Register Now to have your Insurance queries solved.
