Can I send for my insurance on for the house I own and I be renting and be vandalize after the renters not here?
They broke and stole some items and did lots of damage,
Answers:
Well, you'd better hope that you have it on a dwelling fire policy, and not a true homeowners policy, or they're going to cancel you, because a "homeowners" policy requests to be owner occupied.
Is the DAMAGE covered? Depends on the type of damage. I enjoy seen some types of damage covered, and others denied. And it's going to depend if it's wear and crack type stuff, like carpet staining, or intended vandalism - like smearing stuff on the walls. Source(s): agent, 21+ years
As long as in that was no one renting the property and what be in the house belonged to you then yes, appointment your insurance company.
Are you saying it was vandalize by the tenants or vandalized after the tenant vacated by somebody else? If the later next it shouldn't be a problem just as long as the property hasn't been empty for more than 30 or 45 days. If it's the first then it's more difficult because it needs to be determined if much of the wrong is just because that's how the people lived. For some it's moderately normal to put holes in the walls and break things believe it or not. If the tenant did it all at once when they vacated the property afterwards make a police report and call your insurance company.
Got renters insurance if not no you gotta sue them in small claims court database 1. police report 2. take lots of pictures 3. keep adjectives repair recipts (never know you might be on Judge Joe Brown show) sorry dude
Yes but expect an increase or cancelation.
Yes, of course you can record a claim on your insurance. And I would certainly do it right away.
What you will actually achieve out of the claim will depend on a variety of factors such as:
How much plunder the renters did, (if they did less damage than your deductible, at hand will be no claim)
What type of policy you have. Most homeowners policies will cover the home structure in the event renters vandalize the house, but with a cheaper policy you may have exceptions.
Call your insurance agent and describe them what has occurred, usually they will point you within the right direction (as they are not the claims adjusters, and usually their business is keeping you happy).
I'm a little amorphous of the situation. Is this: a) a house you bought as your primary residence, and you were renting it out while you were living elsewhere?; b) Were you renting out a portion of the house you live contained by (i.e. basement suite)?; c) Is this a house you purchased specifically to rent out while your principal residence is elsewhere? If the answer is a), I hope you switched your policy from a Homeowner's Policy to a Rented Dwelling policy. If you did not, don't bother with the claim, as I can guarantee you will be denied and your policy voided for non-disclsosure of a things fact. If the answer is b) or c), or if it is a) and you have the proper policy, next this will depend on how comprehensive your coverage is. If you have a basic Named Perils or Fire and Extended Coverage policy, damage/theft cause by tenants will not be covered. If you have a Comprehensive or All Risks (on both Building and Contents), after the answer is: maybe. Some companies, even under their most thorough policy may exclude harm caused by tenants. Some may cover but will demarcate the amount payable (I am looking at an All Risk policy now which EXCLUDES "loss or damage cause directly or indirectly by any tenant, or any guest of tenants, for peril of theft, vandalism and unpleasant acts for amounts in excess of $5,000"). Your best bet is to check your policy wordings and/or contact your Broker/Agent and ask.
Related Questions:
Answers:
Well, you'd better hope that you have it on a dwelling fire policy, and not a true homeowners policy, or they're going to cancel you, because a "homeowners" policy requests to be owner occupied.
Is the DAMAGE covered? Depends on the type of damage. I enjoy seen some types of damage covered, and others denied. And it's going to depend if it's wear and crack type stuff, like carpet staining, or intended vandalism - like smearing stuff on the walls. Source(s): agent, 21+ years
As long as in that was no one renting the property and what be in the house belonged to you then yes, appointment your insurance company.
Are you saying it was vandalize by the tenants or vandalized after the tenant vacated by somebody else? If the later next it shouldn't be a problem just as long as the property hasn't been empty for more than 30 or 45 days. If it's the first then it's more difficult because it needs to be determined if much of the wrong is just because that's how the people lived. For some it's moderately normal to put holes in the walls and break things believe it or not. If the tenant did it all at once when they vacated the property afterwards make a police report and call your insurance company.
Got renters insurance if not no you gotta sue them in small claims court database 1. police report 2. take lots of pictures 3. keep adjectives repair recipts (never know you might be on Judge Joe Brown show) sorry dude
Yes but expect an increase or cancelation.
Yes, of course you can record a claim on your insurance. And I would certainly do it right away.
What you will actually achieve out of the claim will depend on a variety of factors such as:
How much plunder the renters did, (if they did less damage than your deductible, at hand will be no claim)
What type of policy you have. Most homeowners policies will cover the home structure in the event renters vandalize the house, but with a cheaper policy you may have exceptions.
Call your insurance agent and describe them what has occurred, usually they will point you within the right direction (as they are not the claims adjusters, and usually their business is keeping you happy).
I'm a little amorphous of the situation. Is this: a) a house you bought as your primary residence, and you were renting it out while you were living elsewhere?; b) Were you renting out a portion of the house you live contained by (i.e. basement suite)?; c) Is this a house you purchased specifically to rent out while your principal residence is elsewhere? If the answer is a), I hope you switched your policy from a Homeowner's Policy to a Rented Dwelling policy. If you did not, don't bother with the claim, as I can guarantee you will be denied and your policy voided for non-disclsosure of a things fact. If the answer is b) or c), or if it is a) and you have the proper policy, next this will depend on how comprehensive your coverage is. If you have a basic Named Perils or Fire and Extended Coverage policy, damage/theft cause by tenants will not be covered. If you have a Comprehensive or All Risks (on both Building and Contents), after the answer is: maybe. Some companies, even under their most thorough policy may exclude harm caused by tenants. Some may cover but will demarcate the amount payable (I am looking at an All Risk policy now which EXCLUDES "loss or damage cause directly or indirectly by any tenant, or any guest of tenants, for peril of theft, vandalism and unpleasant acts for amounts in excess of $5,000"). Your best bet is to check your policy wordings and/or contact your Broker/Agent and ask.
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