[WSBAPT] Homeowners insurance cancellation
Lovie Bernardi
lovie at fb-lawfirm.com
Tue Feb 23 13:26:31 PST 2016
FYI: my client found homeowners insurance coverage for the unoccupied
home with Foremost. AARP recommended the company and they apparently
specialize in this type of coverage.
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/>
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From: wsbapt-bounces at lists.wsbarppt.com
[mailto:wsbapt-bounces at lists.wsbarppt.com] On Behalf Of Lovie Bernardi
Sent: Tuesday, February 23, 2016 12:01 PM
To: WSBA Probate & Trust Listserv
Subject: Re: [WSBAPT] Homeowners insurance cancellation
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/>
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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
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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/>
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This e-mail may contain information that is privileged, confidential or
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