by Lori » Wed Mar 19, 2008 11:58 am
Ok, so I admit I was tired, last night and saw a new commerical for American Family Ins...it was really a pretty cute and good commerical. Anyway it had the Brady Bunch house in it, and the agent was going to write insurance (all lines) for this family..anyway he goes thru, 'we can protect jr. the new teenage driver for damage to the family car' (and a shot of the big old tank of a station wagon, hitting a road cone or something) etc...then he says about insuring the house, 'in case junior causes damage to the house' (or something along those lines) it was definately the inferance that should Junior (or some kid that is a resident of the household) caused damage to the residence they would cover it...well I've just been racking my brain trying to think how any damage caused to the insured dwelling, by a kid of the household would/could be covered! Any thoughts?...Any fellow adjusters or anyone else that might have a clue about this...? I know if Junior comes to my house and thru his negligence damages my property they have (liability) coverage, (course depending on all the circumstances, and have paid a ton of these claims) but I cannot think of a single thing that would be covered (not excluded) in his own home? Scratchin' my head on this one, probably right in front of my nose, but I'm not seeing it, (and have denied plenty of these claims in my career)....
Posted: Thu Mar 20, 2008 03:52 pm Post Subject:
Only way I know of is if Junior left something on the stove or accidentally left something on causing fire damage of some sort.
Posted: Thu Mar 20, 2008 10:51 pm Post Subject:
good one MB, that's about all I could come up with too...thanks
Posted: Tue Apr 08, 2008 04:13 am Post Subject:
Along the same lines of what has already been mentioned, I know of a property adjuster in a former office who was paying a claim when the a kid burned down his grandmothers house. The grandmother was the legal guardian and the child was living in her house. He was about 10 years old. I'm guessing a younger child (under 13 or 14?) is to young to "intentionally" cause damage?
But I agree, the AmFam commercial does not sound like it was on point.
Posted: Tue Apr 08, 2008 11:17 am Post Subject:
Right I would consider those accidents...if I accidently caught my kitchen on fire, it would be covered too...but it made it sound totally different...I haven't seen that commercial since....wonder if someone else caught it as well.... :?
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