No, most likely the claim will not be denied. If the owner of the home is not listed on the policy as an insured then the owner is uninsured and the company must by law deny payment of the claim.
Every Homeowners Insurance contract requires disclosure of the legal owner at he time of application. If the property changes ownership during the policy term the Insurance Policy is automatically null and void at the moment ownership changes. The new owner has to make application and qualify for their own Insurance Policy.
It is against the law to insure a home or property in which you have no insurable interest.
broker
Real Estate
To make this clearer I called this agent stating I wanted to make a claim against his client. He is an independent agent, and sells insurance from many companies. He is giving me the run around. Is required to tell me the name of the company that insures his client?
You must have an insurable interest to effect valid coverage. Property must be insured in the name of the owner. So if you want to buy someone else a policy for their property you can certainly pay the bill for some else's property insurance but you can not insure it in your own name. If you insured someone else's home in any name other than the legal property owner and it burned down or suffered some other loss, the Insurance company can not legally pay your claim simply because the property does not belong to you. They would also not have to pay the owner because he or she was not an insured on the policy. The proper way to insure it would be under the name of the legal owner, If you also have an insurable interest in the property, then your name can be added as a co-insured. Should a claim arise, the claim check would be issued under both names.
There is no insurance company in existence that has a name that begins with "Buckingham". Contact your state insurance regulator and ask if an insurance company by that name has every been registered in your state.
It depends on the specific circumstances and the laws in your jurisdiction. If there was no signed contract and you didn't agree to hire the contractor, it may be difficult for the contractor to successfully sue you. However, it's always best to seek legal advice to fully understand your rights and obligations in this situation.
There are many insurance companies that claim to have inexpensive rates on life insurance. Just a few are the following: Progressive Insurance, Amica Insurance, Geico Insurance, State Farm Insurance, and Farmers Insurance.
It depends on the language of the policy. Some cut a check directly to you if the claim is under a certain monetary amount. But usually according to you escrow documents, the contract says the bank will need to be put on the check. If they cut a check to you mortgage company you name will also be included on the check and they will mail the check to you. The insurance does this for many reasons, but one is, let's say you foreclose on the home and keep the insurance money; the bank will make a claim to the insurance because the bank owns the home too and they are listed as a payee as well as you. The insurance will have to pay the claim twice due to their error.
you'll need to find out the insurance company name.
The insurance company, once things get sorted out, will probably deny your claim. On top of that, the previous owner screwed themselves, because their insurance will go up.
The legal right to the money requested in the claim goes to the person who is named in the policy. Regardless of who was paying the premiums.... (even if the sons made the claim to fix something) Mom has her name on it she will be named on the check and will be the rightful recipient to the claim.
declared or stated
If it is your home, just look at your insurance policy. It will always tell you the name of your insurance company.
You mat be able to if you have an insurable interest. For instance, your child living at home has a car in his name or you hold a loan on a car not in your name.
no
Not unless your name is mentioned specifically in the grandfathers WILL.
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