a fire caused by accident by the nanny, will insurance pay?

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Posted: Mon Apr 27, 2009 11:49 pm Post subject: a fire caused by accident by the nanny, will insurance pay?

We had a small fire in the kitchen when the nanny was incharge of the babies and started cook dinner for the kids (my husband and myself were not at home at the time) . Can the insurance use this as an excuse not to pay us?

liat

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Posted: Tue Apr 28, 2009 12:35 am Post subject:

No, it's covered. I think in some cases the policy even considers the nanny an "insured".

tcope

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Posted: Tue Apr 28, 2009 8:43 am Post subject:

If the fire was accidental and involve no negligence of the nanny, the homeowner insurance would likely to cover the damages. You may file the claim with the insurance company and see what they have to say in this regard. _________________ Register Now to have your Insurance queries solved.

anonymous 12

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Posted: Tue Apr 28, 2009 1:15 pm Post subject:

Quote:

If the fire was accidental and involve no negligence of the nanny, the homeowner insurance would likely to cover the damages.

Even if the nanny set the fire on purpose (which I highly doubt), the policy should still provide coverage. It's just in that case they could seek recovery. That is, the policy holder did not set the fire on purpose. Its the same as if I went to the owners home and set it on fire. The policy is not going to exclude coverage for that.

tcope

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Posted: Fri May 01, 2009 8:14 pm Post subject:

Hi Liat, As stated above im in agreement your house insurance should cover this with no problem as it was an accident.

GarySnober

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Posted: Tue May 05, 2009 7:22 pm Post subject:

what i think here is.......If the fire occurred due to the carelessness of the nanny then ya they might not consider but for an accident it will be covered.. so all u've to do is prove tht it was accidental.. which shudn b difficult in ur case. _________________ TC gnp

gnp

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Posted: Wed May 13, 2009 7:56 am Post subject:

IF you have insurance you are covered and they cant use any excuse not to pay you.. IN insurance ....infact stupidy is paid