Questions on house fire insurance, the aftermath.? - house fire insurance
My unit just flat caught fire, and only the kitchen is burned, the rest is covered with soot and smoke damage is still on the wall. My family rental housing, and the owner attempted to get all the responsibility. The report drew fire "accidentally", but this type of material accident? by a person) (for negligence? device by the uncontrollable factors, standard (,) loss? So, if the person is, the insurance cover? I do not know the conditions of the insurance until the sample of insurance up.Please people who try to answer three questions.
Monday, January 4, 2010
House Fire Insurance Questions On House Fire Insurance, The Aftermath.?
3 comments:
If you are insured tenant, you have so call as soon as possible and let them know what happened - I will then, and also to pay damages to personal property.
The owner probably has insurance on the property and your insurance covers most of the damage to the real structure, but not his personal property, if you are not insured. But then his insurance company subrogation "in the amount of damage to you if you are responsible for the fire - that is storming, they will once more for him. Depending on what assets you have, which may or may not be able to recover the full amount from you.
The insured person is likely to show that one or two days after a warning. Since it would be a weekend is not until Monday or Tuesday.
"Accidental" means only that the fire was not intended - does not mean you're not responsible if, for example, left something on the stove and caught fire - as accidental, butbecause of you. If there is such a thing as faulty electrical son, then it would be the owner / s problem.
Good luck. Be glad no one was injured.
If your family has called for renters insurance and the insurance, claims expert group report of the call (overnight or experts in emergencies) on the weekend and had to see you. If you are the tenant insurance experts to examine what the cause of the fire, whether due to negligence by someone like overheating a pan and then on to its share of damages for personal property in pay your policy and you pay your landlord for damages the dwelling under the auspices of the responsibility.
When the fire was caused by an electrical problem, then the payment would be from their own policy, the owner for property damage. If you have no insurance and the tenant is no longer if your family has been negligent and caused the fire to get after the company owners insurance may come later. But from what I saw when the tenant did not know insurance companies do not bother to come after them if the revenues are higher.
I hope you have optional renters insurance, not only for your pay ppay ersonal property, to condemn, smoke damage to personal property and lease clean temporarily, while their unit is attached.
I am sorry for this situation and wish him much luck in its rules.
Call the local fire inspector in your area. If everything he says is "accidental"
the report is incomplete.
If you have a loss of coverage in the integrated use policy can have temporary accommodation until their apt moved. repaired.
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