Loss of use for renters insurance - post Ike

Message Author
ampm-bookmark
delicious-small Add to delicious
yahoomyweb-small Add to YahooMyWeb
blinklist-small Add to BlinkList
PostPosted: Thu Oct 02, 2008 10:03 pm   Post subject: Loss of use for renters insurance - post Ike  

My apartment got gutted during Hurricane Ike. Luckily, I had renters insurance Smile

My apartment management was able to find another apartment for me after 2 weeks. For the 2 week duration, I stayed at a friends place since most hotels in Houston were completely sold out following the Hurricane.



My question is - will the loss of use coverage in my insurance pay my friend for the time that I was at his place?

Can I get a receipt from my friend showing that I stayed at his place and a charge of say $30 per day?

I would like to pay my friend if my insurance will reimburse me.


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







PostPosted: Thu Oct 02, 2008 10:26 pm   Post subject:   

I don't have a renters policy in front of me but I don't see why not. The bill needs to be reasonable (I think $30/day is). I agree, just have him write out a bill, sign it, and turn it in. I think your friend should be paid as well. If I were the adjuster and the policy allowed for that payment, I'd not think twice about sending out a check.

tcope
Forum Expert
Leave a quick message

tcope
Forum Expert

Joined: 22 Nov 2006
Posts: 6175

Location: Salt Lake City, UT
375.37 Dollars($)

PostPosted: Thu Oct 02, 2008 11:37 pm   Post subject:   

I agree. Your policy allows for alternate living. I can only see a problem if your friend tried to charge $250.00 per night - but $30.00?



Shouldn't be a problem at all.



_________________

Life moves pretty fast. If you don't stop and look around once in a while, you could miss it. - Ferris Bueller
LifeIsGood
Senior member
Leave a quick message

LifeIsGood

Joined: 22 Sep 2008
Posts: 574


1.31 Dollars($)

PostPosted: Fri Oct 03, 2008 1:57 am   Post subject:   

It really is reasonable since you can not even get a hotel room for that price. It is also fair because it probaly wasn't real convinient to have another person stay with him. There is also teh fact that you could have been homeless since everything was booked had he not opened his door to you.

fireyone
Senior member
Leave a quick message

fireyone

Joined: 07 Jan 2008
Posts: 1986


2.38 Dollars($)

PostPosted: Sat Oct 04, 2008 5:46 am   Post subject: Loss of use and evacuation expenses  

If you have loss of use coverage, you should be reimbursed for room and board as well as any food you had to puchase while away. If you had a mandatory evacuation as many did for Hurricane Ike, you can also request reimbursement for gas or mileage.


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







PostPosted: Sat Oct 04, 2008 11:39 am   Post subject:   

I don't see why not either if your policy has additional living expenses, and I think most renters policys I've seen do...certainly contact your adjuster and ask



_________________

"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 Oct 04, 2008 9:57 pm   Post subject:   

Wow Lori..do you work in all parts of the insurance field or is that just how an adjusters job works? Do you cover all claims like this one and vehicle? Seems like a job that would take lots of education and remembering. My sometimers would not do me well in your field. I swear I am only mid 30 and have the mind of an 80 year old. Probaly too much stuff in the old head and its getting a little crowded...ever know the feeling?

fireyone
Senior member
Leave a quick message

fireyone

Joined: 07 Jan 2008
Posts: 1986


2.38 Dollars($)

PostPosted: Sun Oct 05, 2008 9:54 am   Post subject:   

Quote:
Wow Lori..do you work in all parts of the insurance field or is that just how an adjusters job works? Do you cover all claims like this one and vehicle?
I only work auto's now but was a multiline adjuster for ten years...some stuff just doesn't change...
Quote:
I am only mid 30 and have the mind of an 80 year old. Probaly too much stuff in the old head and its getting a little crowded...ever know the feeling?
I've got about 15 yrs or so on you and boy do I ever know the feeling! Rolling Eyes I just had a brain fart on one of your questions I think that tcope caught me on ... Laughing it happens...


_________________

"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: Sun Oct 05, 2008 11:32 pm   Post subject:   

Yep know all about those brain farts....like putting the sugar in the frig or throwing the t towel in the trash. Which did you enjoy more the multi or the auto?

fireyone
Senior member
Leave a quick message

fireyone

Joined: 07 Jan 2008
Posts: 1986


2.38 Dollars($)

PostPosted: Mon Oct 06, 2008 9:40 am   Post subject:   

Well probably just sticking with auto's...less to remember Rolling Eyes when you only have one policy to deal with...I didn't like having to work say garage keepers liability or the odd policy that popped up...also too old to climb roofs now.. Laughing that got to be a drag too...so yep no question it's easier to work (basically) with one policy rather than ten or more... Wink



_________________

"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: Mon Oct 06, 2008 4:07 pm   Post subject:   

I bet there is really alot to remember. Funny I was thinking that when I read some of the answers to the posts.

What the heck is garage keepers liability? Is it when a garage has a few different cars in for repairs and it catches fire or what not? Or is it someone taking out personal insurance to cover their garage and contents?

I use to love heights..the older I get the more I stay firmly planted on the ground.

fireyone
Senior member
Leave a quick message

fireyone

Joined: 07 Jan 2008
Posts: 1986


2.38 Dollars($)

PostPosted: Mon Oct 13, 2008 3:00 pm   Post subject: Loss of use for renters insurance - post Ike  

Thanks for the help everyone.



I requested my Nationwide adjuster to reimburse my friend for 14 days stay but my adjuster did not pay for my stay at my friends place. He called his boss to clarify the policy and told me that in Texas, he cannot reimburse me for staying at someone's place.



It has to be a hotel bill Sad



Athough, I told him that it was far cheaper and convenient for me to stay at friends place.


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







PostPosted: Tue Oct 14, 2008 6:59 am   Post subject:   

Hey mm_ike, what I could gather from internet regarding loss of use payment in Texas, it seems that in Texas you can collect upto 20% of the coverage amount as living expenses if you're forced to evacuate the house. Unfortunately it hasn't mentioned anything regarding staying in hotels can only qualify for the compensations.



I'd suggest you to read the policy document carefully in order to understand the clause of loss of use. The standard homeowners policy offers coverage for staying away from home regardless its being the hotel, rented apartment or relative's and friend's home. However, if you have non-standardized Texas policy you may not receive all the standard coverage offered by the homeowners' plans.



~Jeremy

JeremyHolter
Senior member
Leave a quick message

Jeremy Holter

Joined: 06 Jun 2007
Posts: 1185


210.40 Dollars($)

PostPosted: Fri Oct 31, 2008 2:45 pm   Post subject: thanks  

Thank you all for your useful replies and expert opinions. I talked to my insurance adjuster and after talking to his boss, he gladly reimbursed my friend for staying at their place after Hurricane Ike in Houston.



I am so happy that I had renters insurance. I've been telling all of my friends to get renters insurance as a safety for those unfortunate times in life.


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







PostPosted: Fri Oct 31, 2008 2:50 pm   Post subject:   

Excellent news! I knew if you just talked to them, they would see the logic and take care of things.



It's all about communication. Talk to your agent, ask questions.



Knowledge is power.



_________________

Life moves pretty fast. If you don't stop and look around once in a while, you could miss it. - Ferris Bueller
LifeIsGood
Senior member
Leave a quick message

LifeIsGood

Joined: 22 Sep 2008
Posts: 574


1.31 Dollars($)

Quick Reply
Your Name
Subject
Message body
All times are GMT
1, 2  Next  
Page 1 of 2


Get a Quote
Ask Community Experts

flash plugin

Quick Links

Must See

Community

Hot topics in forums

Latest in blogs

    Connection Error: Connection refused