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

by shelly » Wed Jun 11, 2008 11:06 pm
Posts: 1
Joined: 11 Jun 2008

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.

Total Comments: 5

Posted: Thu Jun 12, 2008 09:30 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.

Posted: Thu Jun 12, 2008 10:44 am Post Subject:

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..

Posted: 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

Posted: Thu Jun 12, 2008 12:01 pm 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.

I'm sorry but this post really doesn't make much sense to me at all.....

Shelly what do you mean by this?

200 feet from your house that does not have permits for electrical work.


What are you using this shop for?

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

does not have permits for electrical work.

statement...

Posted: 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!

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