My house burned down and the renters insurance company won't recompense do I own a defence?
My wife and I have 4 children. My home burned down due to a dryer fire 1.5 years ago. The insurance company said they dispatched someone and they were on their approach with a check for $10,000 while the fire was still smoldering. What a nouns...not so fast, They called put a bet on 20 minutes later and claimed we were cancled due to a check that bounced a couple weeks nearer. So I called back and spoke to a representitive and he said if I made a money right away we would be covered and caught up til the end of the month. I salaried by credit card over the phone. What a relief right? not so fast. The company turned around and said we be covered all month long except on the day of the fire. Now they are sending me bills and it is affecting my credit because I haven't salaried them since. We feel like we own been raped. We had a $100,000. policy and very soon they claim my phone was disconnected and this is why they did not notify us that our policy was cancled. They even sent out ann adjuster to thieve pics.
Answers:
I don't think you hold a case.
Technically, they did not have a duty to allow you to reward your past bill. They did that as a favor.
It boils down to the fact that your policy be cancelled due to non-payment, therefore you did not own coverage for the loss.
Unless you can prove that your original check did not bounce, you can't claim you didn't know you should have be cancelled. You would have seen surrounded by your checking account that the check did not clear.
I'm sorry for your loss, but I think the facts are working against you. Source(s): hold been working in the insurance business for 7 years
If your policy lapsed due to defaulting, there's nothing much you can do legally. Usually insurance companies own grace periods for reinstatement as a general policy. You might find that written into your policy, but more habitually it is just a "general courtesy" that the company extends. You might enjoy a case if you could establish that reinstatement is a generally agreed practice for the company and that it was only within your circumstance that they chose not to offer it. You might contact the insurance commission office for your state to see if they could provide you any guidance -- or even intervention on your behalf. But save in mind, that insurance is a contract and you didn't keep your wind up of the agreement by paying premiums on time.
It's pretty unusual to reinstate a policy without a no-loss letter. It's also pretty unusual to reinstate a policy beside a known loss during the lack of coverage time. Depending on what state you are in, it's possible they reinstated the policy, but NOT giving you retroactive coverage.
They aren't required to notify you via telephone that the policy cancel - they only have to create an ATTEMPT by mailing a notice to your ending known address.
You don't have a bag. Sorry. Want a second opinion? Go to one of those "free consult" lawyers, see if they're inclined to take the case on contingency - no win, no payment - if they win, they get 30% of the payout. I bet no one will nick it - that means they don't think you own a case, either. Source(s): agent, 21+ years
When you call them to notify them of the fire, their adjuster should have noticed your policy have lapsed; before offering you a settlement. Then when they saw it was cancelled they offered you an "out" by allowing and accepting reimbursement via Credit card.
I think you have a correct case and should contact an attorney.
By the way, Once your house adjectives down and they didn't cover it why didn't you cancel your insurance through them to keep from owing them adjectives monthes premiums?
Good Luck to you
Related Questions:
Answers:
I don't think you hold a case.
Technically, they did not have a duty to allow you to reward your past bill. They did that as a favor.
It boils down to the fact that your policy be cancelled due to non-payment, therefore you did not own coverage for the loss.
Unless you can prove that your original check did not bounce, you can't claim you didn't know you should have be cancelled. You would have seen surrounded by your checking account that the check did not clear.
I'm sorry for your loss, but I think the facts are working against you. Source(s): hold been working in the insurance business for 7 years
If your policy lapsed due to defaulting, there's nothing much you can do legally. Usually insurance companies own grace periods for reinstatement as a general policy. You might find that written into your policy, but more habitually it is just a "general courtesy" that the company extends. You might enjoy a case if you could establish that reinstatement is a generally agreed practice for the company and that it was only within your circumstance that they chose not to offer it. You might contact the insurance commission office for your state to see if they could provide you any guidance -- or even intervention on your behalf. But save in mind, that insurance is a contract and you didn't keep your wind up of the agreement by paying premiums on time.
It's pretty unusual to reinstate a policy without a no-loss letter. It's also pretty unusual to reinstate a policy beside a known loss during the lack of coverage time. Depending on what state you are in, it's possible they reinstated the policy, but NOT giving you retroactive coverage.
They aren't required to notify you via telephone that the policy cancel - they only have to create an ATTEMPT by mailing a notice to your ending known address.
You don't have a bag. Sorry. Want a second opinion? Go to one of those "free consult" lawyers, see if they're inclined to take the case on contingency - no win, no payment - if they win, they get 30% of the payout. I bet no one will nick it - that means they don't think you own a case, either. Source(s): agent, 21+ years
When you call them to notify them of the fire, their adjuster should have noticed your policy have lapsed; before offering you a settlement. Then when they saw it was cancelled they offered you an "out" by allowing and accepting reimbursement via Credit card.
I think you have a correct case and should contact an attorney.
By the way, Once your house adjectives down and they didn't cover it why didn't you cancel your insurance through them to keep from owing them adjectives monthes premiums?
Good Luck to you
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