I obligation to directory an insurance claim on my house, but my house is currently for public sale. Will I be denied?
I spilled a chemical on my carpet, and the insurance company is sending someone to look at it. I currently have a for Dutch auction sign in my front yard. Is nearby any chance of this getting approved, or will I automatically get denied?
Answers:
As long as you occupy the house, it should be covered. Selling it is not relevant. The lone concern is whether they will suspect fraud; ie they may think you wanted to go and get new carpet to build the house easier to sell. But they need proof to deny the claim; suspicion is not adequate. Source(s): 15 yrs experience in field
You should not be denied just for having your house for mart. When a homeowner policy is written, one of the underwriting questions is usually, "is the house currently for Dutch auction?". If it is, most companies would not want to take it as new business. I hold never heard of a company denying a claim because the house was for Dutch auction.
If your house is empty, however, you may be voiding some or all of your coverage. Or if you are renting out your house and the policy is written as a primary residence, you may not hold coverage. If the house is for sale and you still live there, you should be fine.
Still both Source(s): http://www.ratedetective.com.au
The for Dutch auction sign is irrelevant.
Whether this is covered will depend on if the carpet is considered building or contents - contents, it's not going to be covered under the standard policy, building, it will.
Chris C, Home insurance covers lots of different things. I'm not adapted with all the fine print of my home policy, but my home insurance agent is other helpful. Try calling your agent or a agent in your town. http://www.americaschoicetoday.com/Home-Insurance.html They should know how to assist you.
still your house and still your insurance company.
Providing you have an insurable interest for the premises at the time of the incident, the policy is valid.
Wet her you are covered for the peril or not is another thing.
Just ring and ask.,.
As long as you own the house and have remunerated the insurance premiums, the coverage is still valid and they should pay.
Related Questions:
Answers:
As long as you occupy the house, it should be covered. Selling it is not relevant. The lone concern is whether they will suspect fraud; ie they may think you wanted to go and get new carpet to build the house easier to sell. But they need proof to deny the claim; suspicion is not adequate. Source(s): 15 yrs experience in field
You should not be denied just for having your house for mart. When a homeowner policy is written, one of the underwriting questions is usually, "is the house currently for Dutch auction?". If it is, most companies would not want to take it as new business. I hold never heard of a company denying a claim because the house was for Dutch auction.
If your house is empty, however, you may be voiding some or all of your coverage. Or if you are renting out your house and the policy is written as a primary residence, you may not hold coverage. If the house is for sale and you still live there, you should be fine.
Still both Source(s): http://www.ratedetective.com.au
The for Dutch auction sign is irrelevant.
Whether this is covered will depend on if the carpet is considered building or contents - contents, it's not going to be covered under the standard policy, building, it will.
Chris C, Home insurance covers lots of different things. I'm not adapted with all the fine print of my home policy, but my home insurance agent is other helpful. Try calling your agent or a agent in your town. http://www.americaschoicetoday.com/Home-Insurance.html They should know how to assist you.
still your house and still your insurance company.
Providing you have an insurable interest for the premises at the time of the incident, the policy is valid.
Wet her you are covered for the peril or not is another thing.
Just ring and ask.,.
As long as you own the house and have remunerated the insurance premiums, the coverage is still valid and they should pay.
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