Anyone know the law if your house burns down and you...

Message Author
ampm-bookmark
delicious-small Add to delicious
yahoomyweb-small Add to YahooMyWeb
blinklist-small Add to BlinkList
PostPosted: Wed Jun 11, 2008 11:06 pm   Post subject: Anyone know the law if your house burns down and you...  

If you have full coverage on your house, and it burned down, but you have a shop about 200 feet from your house that does not have permits for electrical work. Does this give an insurance company the right to not pay to cover the house fire, even if the shop had nothing to do with it? I'm asking because this is what I've been told, so I'm checking to see if it's accurate.

shelly
New member
Leave a quick message



Joined: 11 Jun 2008
Posts: 1


1.40 Dollars($)

PostPosted: Thu Jun 12, 2008 9:30 am   Post subject:   

hey..your home owner's insurance would cover such damages out of power surges. But remember that if its a mobile home then its not gonnabe of any use. You'd need to bear the deductible. In case your deductible is more expensive than your surge protection equipment then it would be reimbursed in one claim.


_________________
Register Now to have your Insurance queries solved.
anonymous007
Guest







PostPosted: Thu Jun 12, 2008 10:44 am   Post subject:   

Quote:
Does this give an insurance company the right to not pay to cover the house fire, even if the shop had nothing to do with it?




I believe house fires can happen due to a no. of causes. Why on earth will they not pay a heed to a fire that has got nothing to do with it?

Yupp, it would certainly be normal for the insurance cos. to investigate & make sure that it was not a sabotage. Hope thats understandable..

_________________
Register Now to have your Insurance queries solved.
blindfolded
Guest







PostPosted: Thu Jun 12, 2008 11:02 am   Post subject:   

Hi



I simply don't understand that if its like that then why do they mention it that they offer protection for Artificially generated electric damage ?

I'd believe if such things are covered then there is no way that a natural house fire won't be covered under it! What do ya think?

Regards,

CologneMist


_________________
Register Now to have your Insurance queries solved.
CologneMist
Guest







PostPosted: Thu Jun 12, 2008 12:01 pm   Post subject:   

Quote:
hey..your home owner's insurance would cover such damages out of power surges. But remember that if its a mobile home then its not gonnabe of any use. You'd need to bear the deductible. In case your deductible is more expensive than your surge protection equipment then it would be reimbursed in one claim.
I'm sorry but this post really doesn't make much sense to me at all.....



Shelly what do you mean by this?
Quote:
200 feet from your house that does not have permits for electrical work.


What are you using this shop for?

Quote:
Does this give an insurance company the right to not pay to cover the house fire, even if the shop had nothing to do with it? I'm asking because this is what I've been told, so I'm checking to see if it's accurate.
Maybe, it really depends on the function of the shop...they may also have the right to deny any and all claims....it's called material mis-rep...If when you completed the application for insurance and if you did not truthfully answer all the questions (like maybe about conducting business on the premises)...Then you have a claim, doesn't matter if this business had a thing to do with the claim....and during the course of the investigation it is discovered that you misrepresented yourself or the property on the app...and had the carrier known this they wouldn't have written the policy or would have written it differently then they can void the policy back to the inception date...they would refund your premium but you would have not had any insurance all that time....mis-rep is a very very very serious issue...and I advise you to remedy this quickly if this is the case.....they could not only deny a fire, but all claims!



Again please explain what you are doing with this shop and what you mean by the
Quote:
does not have permits for electrical work.
statement...


_________________

"Never, never be afraid to do what's right, especially if the well being of a person or animal is at stake. Society's punishments are small compared to the wounds we inflict on our soul when we look the other way." Martin Luther King Jr.
Lori
Forum Expert
Leave a quick message

Lori
Forum Expert

Joined: 10 Sep 2007
Posts: 8080

Location: Missouri
287.93 Dollars($)

PostPosted: Sat Jun 14, 2008 11:53 pm   Post subject:   

I hope this is just a hypothetical question at the moment!



I would be surprised if a claim for fire, unrelated to the shop, is not paid. If the shop caused the fire that could be another story. Fire is virtually never excluded but fraud or material misrepresentation could do it.



Ultimately it will depend on the exact wordings of your policy.



Why don't you get permits for electricity in the shop and put your mind at ease??



Hope that helps!



_________________

I am an insurance broker from Ontario licensed for all types of insurance.



Please visit my site: www.canada-insurance-source.com
OntarioBroker
Preferred member
Leave a quick message



Joined: 09 Jun 2008
Posts: 107

Location: Ontario, Canada
34.86 Dollars($)

Quick Reply
Your Name
Subject
Message body
All times are GMT
Page 1 of 1


Get a Quote
Ask Community Experts

flash plugin

Quick Links

Must See

Community

Hot topics in forums

Latest in blogs

    Connection Error: Connection refused