It depends on the language in your policy. I’ve seen a lot of policies that have animal liability exclusions. If that’s in your policy and you have that exclusion, then the answer is no. Now, some insurance companies will ask you if you have any pets and if you tell them you have a pet … Continue reading “What happens if my dog bites someone, am I covered?”
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Someone gets hurt on my property who is responsible?
If someone gets hurt on your property who is responsible? Well, you’re arguably responsible since it happened on your property. Let’s say you just mopped your floors and someone slipped on your floor. Or you had some construction going on and they tripped because the flooring wasn’t level. That is something that you would be … Continue reading “Someone gets hurt on my property who is responsible?”
What If I Damage Someone Else’s Property?
Let’s say you’re doing some work around your house and you are lighting something flammable. Or let’s say you’re working on your grill and something explodes and it causes a fire that spreads to your neighbors home. Your neighbor can then seek compensation through your policy under the liability section for that property damage. If … Continue reading “What If I Damage Someone Else’s Property?”
What is liability Insurance, do I automatically have it?
When you have a homeowner’s policy, you will have a section that has Protection for liability. For example, you likely have protection for liability. If someone you know has party at your house and somebody slips and falls and hurts their back and they have to get medical treatment. They may sue you for whatever … Continue reading “What is liability Insurance, do I automatically have it?”
What if the vandal is someone I know, who do I file a claim against?
If you’ve suffered damages from vandalism and you know who the vandal is then the important question is whether there was any sort of intentional planning there between you and that vandal. Normally you should be fine and you can still put in a claim with your insurance company.
What is an EUO, and do I have to do it?
EUO is an examination under oath. The way I try to explain EUO is it’s essentially a deposition but a deposition happens during a lawsuit and EUO happens prior to a lawsuit. That’s the difference. They ask you questions about the claim and fact surrounding it. Now, you don’t have to do an examination. Unless … Continue reading “What is an EUO, and do I have to do it?”
Are Home CCTV Security Cameras a Good Idea?
CCTV security cameras are absolutely a great idea. If there’s vandalism or theft, at your home or business having that footage as evidence is important. I had a case where someone’s home was burglarized. The neighbors saw people fleeing with bags in their hands into their car and leaving and it was captured on their … Continue reading “Are Home CCTV Security Cameras a Good Idea?”
Vandalism of a Car in my Driveway.
What if a car is in my driveway? Which policy covers the car if it’s vandalized? The homeowners or car policy? Your homeowner’s policy should cover that situation. But that really depends on the language in the policy. If you’re faced with a situation of a car vandalized in your driveway, I suggest calling your … Continue reading “Vandalism of a Car in my Driveway.”
Vandalism, inventory is important.
It is extremely important to have a really good list of items in your home or business in case you suffer theft or vandalism. A good inventory is a vital part of an insurance claim. You want to make sure that every item that you potentially need to claim is put on that list. Otherwise, … Continue reading “Vandalism, inventory is important.”
How do I Know if I Have Cast Iron Pipes?
Some plumbers and leak detection companies can put a camera through the drain pipe on one of the stacks on your roof and if they tell you if you have cast iron pipes and what condition they are in. They can also examine pipe coming into your home and drain pipe leaving to look for … Continue reading “How do I Know if I Have Cast Iron Pipes?”