[WSBAPT] Homeowners insurance cancellation

[Mike Winslow]

Here is the reply from my insurance broker/client:
 
Hi Mike, 
Some companies use 30 or 60 days.  If they find out the home is vacant they
will  cancel the policy, especially in this insurance climate.  If the
policy is still in force then a "Vacancy Clause" usually comes into effect.
This limits the coverages to more of an Actual Cash value policy.  There
wouldn't be coverage for vandalism, freezing of pipes, breaking of glass,
etc.
 
I do have a couple options specifically for vacant homes.  But they also
come with the some of the above conditions.  But the policy is designed for
a vacant home.  I have Foremost and a few surplus lines markets.  
 
I can get you further info regarding the coverages or changes in coverage
for vacant homes.
 
Brian Linde
Linde Insurance, Inc.
         Since 1972
360-336-6168
 <http://www.lindeinsuranceinc.com/> www.Lindeinsuranceinc.com
 
 
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 1:27 PM
To: WSBA Probate & Trust Listserv
Subject: Re: [WSBAPT] Homeowners insurance cancellation
 
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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This e-mail may contain information that is privileged, confidential or
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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 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/> 
 
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This e-mail may contain information that is privileged, confidential or
otherwise protected from disclosure. If you are not the intended recipient
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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
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