Roof Cave in Caused by Insurer?
Your home insurance company does not certify the structural integrity of your home. It is our responsibility as the homeowner to maintain our home. There is no negligence here on the part of your insurance company. Your Insurer is not a Home Inspector nor a Structural Engineer. There are Qualified and licensed Roofers and Home Inspectors you can hire for that job.
The Insurance Company will usually do a precursory visual property inspection. Photographs external of the property are usually taken and any obvious hazards may be noted. Engineering Diagrams are not used. In No way does an insurance company imply certification of structural Integrity. In Fact Insurers may require you provide such a certification report prior to accepting your risk if hazards are apparent.
An Insurers inspection is only to determine insure-ability and to document the current "apparent" condition of the property and verify that the home being insured actually exists.
Everyone has the option to sue, for just about anything. So legally you could try suing the company, but It does not seem likely that you would have a valid claim. The company would simply point out that they do not certify anybody's roof and that it most likely caved in due to lack of proper maintenance by the home owner.
There are *rare* scenarios where the insurance carrier would be At Fault. Say you had a hail storm six months ago that damaged your roof. If you filed a claim and your insurance carrier told you to only patch your roof instead of replace it, when the structural integrity of the roof from the hail was seriously compromised, this was the WRONG decision and you should have legal recourse.
Outside of a freak scenario like the above, it is most likely that you can file a claim with your insurance company and see what the inspector said was the cause of the damage. If it was just a really old roof that should have been repaired by you years ago, it is unlikely you can get any money from the insurance company, as it is your responsibility to maintain your property for normal wear and tear, not theirs.
If a home insurance policy were to provide free repairs for life then everyone's insurance would be a lot more expensive!
No, The insurer provides a means by which we can assign beneficiaries, If those beneficiaries turned out to be your parents then so be it. Without evidence to the contrary, Namely an assignment of proceeds AKA naming you as a beneficiary, the law has no option but to presume that was the intent of the insured. Their is no negligence here on the part of the Company and therefore no liability. The insurance company is only following the law as well as the documented intent of the insured.If you think there was an oversight on the part of your sibling in the assignment of beneficiaries, then you would need to bring your action against the beneficiary and/or the estate of the deceased. Basically you'd have to sue your parents and your brothers estate. The Insurance company would not be a party to your recourse action.
Take the Insurance company to court. The Doctor has to be paid by some one. and in the end it is you that is responsible for this.
If this happened to me, I would find out what my insurance company can do and from there contact the police or file a civil or small claims suit. None, if the accident wasn't reported to the police.
Your contract with the tradesman is between "You and the Contractor", He did not contract with your insurance company. All the insurance company did is agree to pay the bill for you. So you would need to bring your own civil or criminal action against your contractor depending on the circumstances.
If someone is seeking damages from an injury as a result of an auto accident and they are not satisfied with the offer from the insurance company I would suggest that a lawyer be consulted.
Probably not. Unless the employer was guilty of GROSS negligence, Workers' Comp is "the sole remedy" - meaning it's your only recourse.
You can sue anybody you want. Even the President. But in this case, the insurance company did not cause your sons death. You will need to sue the neighbor directly and if he has liability coverage then his insurance company might defend him in the suit.
If a customer mistates age such as he is 86 and the max the company will sell is 85 and after 2 years death occurs what recourse does the company have.
No. They will give you the money for the value of the vehicle and then you are on your own. However, check with your state's Department of Insurance. You might have recourse against the insurance company if you are unable to find a comparable vehicle with the amount they gave you.
There is an insurance company called Federal Life Insurance Company.
This depends on the law of contributory negligence in your state. If you live in a contributory negligence state, you are at fault for leaving the door in the path of the bus. If not in a contributory negligence state, fault is apportioned at trial. I am a retired attorney. I would suggest you contact your insurance company for the necessary information.
It would definitely be worth getting liability insurance for your new business. It is in place to protect businesses from being sued by a third party due to negligence. Having liability insurance is a must for any business. Liability insurance, or business insurance, protects your company against lawsuits that claim you failed to use reasonable care.
That depends upon where you live. Your State insurance department will have it's regulations regarding whether or not an insurer can drop you. You'd need to check with their website or call them to learn about your options.
The negligence includes failure to renew the policy on time,timely intimation to the Insurance Company in case of any accident to depute Surveyor for on the spot inspection, to keep the Original policy, Registration Certificate issued by Motor Vechicles Department, Smoke Test Certificate etc. in the vehicle itself.
It may be a good idea to hire your own home inspector to do a good thorough inspection of your home inside and out. It's best to know exactly where you stand with the condition of your home. You may then wish to reapply for your home insurance policy either through the same or a different Insurance Company.
If you are a family member, you should be able to find papers in the household, or, possibly an insurance company he regularly paid in his banking records. Other than that, you have no recourse.
No, An insurance company will not fine you for failing to maintain your property. They can however cancel your insurance coverage or go up on your premium rate if they perceive an increased hazard or risk of loss due to negligence or a lack of interest in the condition of your home and property.
The company Kanetix is an insurance company that offers a number of insurance products to consumers, such as auto insurance, travel insurance, home insurance, and health insurance.
New Jersey Automobile Insurance is the Insurance Company that has 999 Company Code.
If you have uninsured motorists coverage your insurance company will take the place of the other parties insurance coverage less a small deductible. They will then go after the other party to collect the amount of damages paid out plus your deductible. If and when it is all collected they will send you back your deductible. If your insurance company handles the claim for you and pays your damages you will have no further recourse as you sign over your legal rights to the insurance company under a subrigation agreement.
The company is Allstate with insurance code 011
True Homeowners insurance policies include defense and payments for your negligent acts. Usually, there is not a deductible on those payments. A visitor who is injured by your negligence could sue or demand payments and your insurance company would defend you and/or pay the claimant. Talk to the agent or company that sold you the policy.
Your mom is a lame insurance company.
No, That is part of the normal maintenance and care expected of the homeowner. Failure to maintain your home in the condition expected demonstrates a moral hazard of negligence on the part of a homeowner and can result in cancellation or non-renewal of your home insurance policy.