Homeowners Insurance News & Notes

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95% of householders don’t understand what happens to their insurance on the house when the home becomes empty or unoccupied. This can be how owners find themselves with no coverage once submitting a claim and the insurance company learns the house wasn’t being lived in at the time of claim.

Each house owner’s insurance policy is different, however one factor is for sure. Householders insurers will not still insure a home, if the house isn’t being lived in by the primary homeowner. A house that’s utterly vacant (moved out) will end insurance more quickly than other situations.

Currently, there are thousands of homes that don’t have any insurance coverage, however the homeowners believe the home is totally lined because they only don’t perceive the provisions of their insurance policy.

Merely, people don’t seem to be aware that they’re risking everything. Common samples of cases that lead to the house considered vacant are:

o House sits empty for ninety days whereas the house owners have moved out of state and are awaiting the old home to sell o A house is unoccupied for seventy two days whereas the children decide what to try and do with the house of a deceased parent o A townhouse sits empty for five months whereas the owner, a college faculty member, is teaching a semester abroad. The professor thinks the house will be covered because he asks the neighbor to check in on the house o An expatriate resides abroad while his house back within the US is being lived in by a friend. He failed to bother to inform the householders insurer and switch the policy over to a landlord policy. The fact remains virtually everyone in these types of things don’t perceive the risks involved.

If there were a claim in one of those situations, the householders insurance company could deny the claim and refund some months premium, canceling the policy.

For instance, a washer hose leak is a common claim. If an owner had come home after work for instance to find the hose leaking, the claim could have been contained. Instead, the owner isn’t living in the house and the hose leaks for 9 days until the owner’s sister comes into the house to check on things. In this example a $10,000 claim has became a $100,000 claim because now three floors are ruined and twelve of the walls are now infested with mildew and rot.

But, the owner is shocked to learn that they are only eligible to receive $10,000 from the insurance company and the full extent of the damage is not being covered. Once more, all of this assumes the insurer is generous enough to provide any coverage in the least in this situation! In several cases, this claim would be totally denied, with the insurer claiming the house was vacant and therefore the owner failed to inform the insurance company of the situation. However, expecting a claim to be covered for $100,000 in this example, and receiving a check for 1/10th of this quantity comes as a shock to the home owner.

Another great article by Royal Lepage Proalliance Belleville