Will my home owners insurance payment for lay waste to done by my mentally disabled son to a neighbors coup¨¦?
My autistic son (17) was out in our front patio and picked up a pair of hedge-clippers we had be using and threw it at a car damaging the reverse door. He was having an autistic moment of fume and we could not get to him fast adequate to stop what was happening. will our home owners insurance thieve care of it?
Answers:
I suggest it will, but your deductible may be prohibitively high. Source(s): worked for state farm
the liability portion of your policy would be in effect here - there is no deductible.
lone way they wouldn't pay is if they considered this an "intentional act" from what you describe explicitly not the case.
maybe find out how much the impair is first? maybe you can cover it? otherwise you should have a covered claim Source(s): industry education
The liability coverage portion of your homeowners policy is what is in play here. I've be in the property/casualty insurance business for a long time and I've yet to see the deductible on a homeowners policy apply to a liability claim. I don't feel you have to worry almost the deductible.
Even if it would, your deductible would apply and I doubt it would be wise to submit such a small claim.
It would come out of the liability portion so no deductible would apply. Coverage depends on your policy wording and the cognitive state/age of your child. Your insurance company will have to review for coverage.
Related Questions:
Answers:
I suggest it will, but your deductible may be prohibitively high. Source(s): worked for state farm
the liability portion of your policy would be in effect here - there is no deductible.
lone way they wouldn't pay is if they considered this an "intentional act" from what you describe explicitly not the case.
maybe find out how much the impair is first? maybe you can cover it? otherwise you should have a covered claim Source(s): industry education
The liability coverage portion of your homeowners policy is what is in play here. I've be in the property/casualty insurance business for a long time and I've yet to see the deductible on a homeowners policy apply to a liability claim. I don't feel you have to worry almost the deductible.
Even if it would, your deductible would apply and I doubt it would be wise to submit such a small claim.
It would come out of the liability portion so no deductible would apply. Coverage depends on your policy wording and the cognitive state/age of your child. Your insurance company will have to review for coverage.
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