[WSBAPT] Homeowners insurance cancellation

[Lovie Bernardi]

Thanks for all the input everyone. I got an email that the PR has found
coverage and I followed up with an email to make sure she had informed
the insurance company that the home was unoccupied. 

 

 

Lovie L. Bernardi

Flaherty & Bernardi, PLLC

216 First AVE S, #450

Seattle, WA  98104

(206) 682-2616

 

lovie at fb-lawfirm.com <mailto:joni at sbfirm.com> 

http://fb-lawfirm.com <http://sbfirm.com/> 

 

**********

This e-mail may contain information that is privileged, confidential or
otherwise protected from disclosure. If you are not the intended
recipient or otherwise have received this message in error, you are not
authorized to read, print, retain, copy or disseminate this message or
any part of it. If you are not the intended recipient or otherwise have
received this message in error, please notify us immediately by e-mail,
discard any paper copies and delete all electronic files of the message.
Circular 230 Notice:  This communication may not be used by you or any
other person or entity for the purpose of avoiding any federal tax
penalties.

 

 

 

From: wsbapt-bounces at lists.wsbarppt.com
[mailto:wsbapt-bounces at lists.wsbarppt.com] On Behalf Of Mike Winslow
Sent: Tuesday, February 23, 2016 11:43 AM
To: 'WSBA Probate & Trust Listserv'
Subject: Re: [WSBAPT] Homeowners insurance cancellation

 

Here is something for the good of the order on this same topic.

 

Recently I was having dinner with a real estate broker and we were
discussing a burst pipe that caused damage to a listing he had. The
owner is now living in Texas, so the house is unoccupied.

So it fell to the broker to arrange for cleanup and initial damage
control until the insurance company could adjust the claim.

 

Broker met with the independent adjuster and one of their first
questions was "how long has this house been unoccupied?" Broker thought
that strange so asked the obvious.

The adjuster stated that many insurance companies have shifted to a
policy under which the coverage for many events ceases if unoccupied for
more than 30 days. Other companies implement policy upon 60 days. In
this case, the carrier had  a 60 policy, and the termination of the
occupancy was within limits.

 

So if you have an estate with an unoccupied home, best to advise the PR
in writing to pick up coverage for an unoccupied house and advise of
risk of not doing so.

I am checking with an insurance broker to verify this is correct, and if
not, will advise.

 

Michael A. Winslow

1204 Cleveland Ave.

Mount Vernon, WA 98273

Ph. 360-336-3321

Em. Mike at winslegal.com

 

This message is from an attorney, so it's confidential. If you are not
the intended recipient, it's too late to stop reading this message, but
you may not use it for any improper purpose. Huge Disclaimer available
upon request.

 

From: wsbapt-bounces at lists.wsbarppt.com
[mailto:wsbapt-bounces at lists.wsbarppt.com] On Behalf Of Lovie Bernardi
Sent: Tuesday, February 23, 2016 10:40 AM
To: wsbapt at lists.wsbarppt.com
Subject: [WSBAPT] Homeowners insurance cancellation

 

Listmates,

 

PR (daughter and sole beneficiary of decedent) was informed by the
insurance company (Hartford) that they would not be renewing the policy
on the estate's house because it is now unoccupied. Somehow I've managed
not to run into this issue before. Is anyone aware of other insurance
companies that would insure an unoccupied home? It will not be sold
right away.

 

Lovie L. Bernardi

Flaherty & Bernardi, PLLC

216 First AVE S, #450

Seattle, WA  98104

(206) 682-2616

 

lovie at fb-lawfirm.com <mailto:joni at sbfirm.com> 

http://fb-lawfirm.com <http://sbfirm.com/> 

 

**********

This e-mail may contain information that is privileged, confidential or
otherwise protected from disclosure. If you are not the intended
recipient or otherwise have received this message in error, you are not
authorized to read, print, retain, copy or disseminate this message or
any part of it. If you are not the intended recipient or otherwise have
received this message in error, please notify us immediately by e-mail,
discard any paper copies and delete all electronic files of the message.
Circular 230 Notice:  This communication may not be used by you or any
other person or entity for the purpose of avoiding any federal tax
penalties.

 

-------------- next part --------------
An HTML attachment was scrubbed...
URL: <http://mailman.fsr.com/pipermail/wsbapt/attachments/20160223/b6afcb0c/attachment.html>