Does Home Owner's Insurance Cover this?
I really need help. Are Parents financially responsible for their children's whereabouts? This girl is 14, we'll call her "Ann". "Ann" has be a Foster Child for the last 8 years or so in the caution of her natural father's former girlfriend, who we'll call "Beth". "Beth" received Legal Guardianship of "Ann" end year. My children's natural father, my ex, who we'll call "Joe" and "Beth" dated for a year or so past they were married last year. "Beth" and "Joe" be aware that "Ann" had a history of sexual abuse perpetrate upon her by her own natural father (not "Joe"). They did not inform me of this fact in the past my children were having overnight's at "Beth's" house to call on their father "Joe". "Joe" and "Beth" live in a 2 bedroom condo and the children were moved out to sleep in "Ann's" room. Upon my discovery of the sexual abuse "Ann" be perpetrating upon my 5 year old son, while my 4 year outdated daughter was watching, which happened over an approximate 1 year interval, I called CPS and hired an Attorney. "Joe" and "Beth" fought me in Family Court for Custody, despite the reality that "Ann" admitted to molesting my son. I was awarded conditional sole legal and physical custody of the children, with a No Contact Order for "Ann" and "Joe" must enjoy Supervised Visitation of the children. The Children's Hospital Therapists at the Trauma center suggested I apply for the Victims of Crime (VOC) Program and my son, my daughter and myself were accepted. They cover the costs that my insurance does not (co-pays, etc) for the Therapy that we adjectives attend. They do not, however, cover my Attorney's costs. "Beth" does own her own condo where they live, so must have home owner's insurance. Can I cause a claim? Do I have a case? Exactly how would I pursue this properly? PLEASE HELP! I NEED ANSWERS!
Answers:
You should discuss this with your attorney, who will grant you the correct answer.
Good luck.
A claim against homewners' insurance? For what, specifically? Homeowners' insurance will not "pay" for criminal movement, if that is what you're asking.
Any Condo Unit Owner's policy (actually any policy for that issue, Persoanl or Commercial) excludes claims arising from sexual, physical, psychological or emotional abuse, molestation or maltreatment or the failure of any person insured by the policy to rob steps to prevent such abuse, molestation or abuse. So while you are free to sue the permitted guardian(s) of "Ann", any judgement awarded against them would have to be paid out of their own pocket, including legally recognized costs.
Homeowners or Condo Unitowners Insurance does not cover this type of lawsuit. An Umbrella policy would cover this situation but I doubt she has one of those.
But I am not an attorney.
You should post this question beneath law to see if you can sue in small claims court for any money.
I caring of got lost in who is who. But you should post this quiz in another category. I am sorry for this horrible experience you have gone through. I hope your post help others. That is why people in today's world hold to learn never to leave their kids alone beside anyone.
That doesn't mean this is your fault because it is not. You hold done everything right. You have gone through some difficult steps and done the right thing adjectives along. I wish you the best of luck. Hang in here and post your question under ruling so hopefullly you can get some help. Try the website below. Source(s): www.handleonthelaw.com
1. Parents are usually held responsible for deface caused by minor children who live in their household, beside some exceptions; they aren't responsible for damage caused by mature children who don't live with them; and adult children who do live near them, it depends on the type of damage and the circumstances.
2. Homeowners liability specifically EXCLUDES all coverage for sexual molestation and foul language.
3. Many people who own condos, do NOT carry their own coverage - they rely on the master policy. However, even if she does enjoy her own policy, see #2.
4. You can't make a "claim" on someone else's homeowners policy. You have to sue them, and it's up to THEM to notify their insurance company, if they own one.
So. You can't file a claim. You can sue them, but even if you win, their homeowners won't cough up any judgement. Do you have a crust? You'd have to prove that the guardian had passable belief that the child would abuse your kids, and did nothing to prevent it. Her anyone a victim of abuse, isn't adequate. A lawyer would let you know if you enjoy a case, and be able to pursue it, but expected you'll have to pay them up front, as the homeowners liability wouldn't apply.
***I've never see an umbrella policy that would cover sexual abuse. I'm thinking maybe the guy that said that, is guessing. If not, I'd love to know which mover covers sexual abuse under their umbrella policy.** Source(s): agent, 21+ years
Related Questions:
Answers:
You should discuss this with your attorney, who will grant you the correct answer.
Good luck.
A claim against homewners' insurance? For what, specifically? Homeowners' insurance will not "pay" for criminal movement, if that is what you're asking.
Any Condo Unit Owner's policy (actually any policy for that issue, Persoanl or Commercial) excludes claims arising from sexual, physical, psychological or emotional abuse, molestation or maltreatment or the failure of any person insured by the policy to rob steps to prevent such abuse, molestation or abuse. So while you are free to sue the permitted guardian(s) of "Ann", any judgement awarded against them would have to be paid out of their own pocket, including legally recognized costs.
Homeowners or Condo Unitowners Insurance does not cover this type of lawsuit. An Umbrella policy would cover this situation but I doubt she has one of those.
But I am not an attorney.
You should post this question beneath law to see if you can sue in small claims court for any money.
I caring of got lost in who is who. But you should post this quiz in another category. I am sorry for this horrible experience you have gone through. I hope your post help others. That is why people in today's world hold to learn never to leave their kids alone beside anyone.
That doesn't mean this is your fault because it is not. You hold done everything right. You have gone through some difficult steps and done the right thing adjectives along. I wish you the best of luck. Hang in here and post your question under ruling so hopefullly you can get some help. Try the website below. Source(s): www.handleonthelaw.com
1. Parents are usually held responsible for deface caused by minor children who live in their household, beside some exceptions; they aren't responsible for damage caused by mature children who don't live with them; and adult children who do live near them, it depends on the type of damage and the circumstances.
2. Homeowners liability specifically EXCLUDES all coverage for sexual molestation and foul language.
3. Many people who own condos, do NOT carry their own coverage - they rely on the master policy. However, even if she does enjoy her own policy, see #2.
4. You can't make a "claim" on someone else's homeowners policy. You have to sue them, and it's up to THEM to notify their insurance company, if they own one.
So. You can't file a claim. You can sue them, but even if you win, their homeowners won't cough up any judgement. Do you have a crust? You'd have to prove that the guardian had passable belief that the child would abuse your kids, and did nothing to prevent it. Her anyone a victim of abuse, isn't adequate. A lawyer would let you know if you enjoy a case, and be able to pursue it, but expected you'll have to pay them up front, as the homeowners liability wouldn't apply.
***I've never see an umbrella policy that would cover sexual abuse. I'm thinking maybe the guy that said that, is guessing. If not, I'd love to know which mover covers sexual abuse under their umbrella policy.** Source(s): agent, 21+ years
Related Questions:
- Home Insurance?
- Insurance give somebody the third degree. Can you catch a innkeeper policy instead of the standard home owners policy?
- I want to stay home near the child...insurance option?
- Can I attain a discount from my home owners insurance for installing hurricane shutters?
- Can I sue my friends home owners insurance for the damages done to my son's teeth when he fell on her porch?