by mike geiss » Thu Feb 07, 2008 01:30 pm
while i was roofing my moms house, the structure collapsed causing permanant impairment, the structure was constructed by homeowner with poor quality. is the homeowners insurance liable.
Posted: Fri Feb 08, 2008 03:00 am Post Subject:
If your mother knew that the roof was defective, she could be liable. It would her policy that you would file a claim against. Unless she is renting... you don't mention that but I'm not sure what is meant by "constructed by home owner"... is that not your mother?
Posted: Fri Feb 08, 2008 04:44 am Post Subject: MoneymanLoc
Yes, going that way & assuming she is a renter, if the poor quality of the structure was not known to her then its obvious that the landlord has to take the responsibility. Also, weighing upon the measurement of risks associated with such structural collapses I feel that the compensation ought to be huge!
Lets hope for the best!
Regards,
Fatman
Posted: Fri Feb 08, 2008 04:47 am Post Subject:
Hi all,
Why are we ruling out the possibility of an Act Of God?
In order to decide whether it falls under the category of act of god insurance claims we have to know the circumstances better!
Kellyrogers
Posted: Fri Feb 08, 2008 04:53 am Post Subject:
Why are we ruling out the possibility of an Act Of God?
God forced him down through the roof? someone needs to go to church more often.Posted: Fri Feb 08, 2008 04:24 pm Post Subject:
Well,my first question is if its a rental ,did the landlord give permission for you to be on that roof?If your mother owned the house then it is her that constructd the roof?Sounds like a home owners policy who should pay .
Posted: Fri Feb 08, 2008 05:32 pm Post Subject:
Why are we ruling out the possibility of an Act Of God?
What the heck does an act of God have to do with this? Just curious. Did He part the roof?
InsTeacher 8)
Posted: Sat Feb 09, 2008 05:18 am Post Subject:
Well ,I would say falling through the roof,is falling through the roof.There isn't to many ways to look at that ,is there?
Posted: Sat Feb 09, 2008 01:21 pm Post Subject:
Why are we ruling out the possibility of an Act Of God?
makes no sense, makes no sense makes NO SENSE!We have to know the circumstances a bit better in order to understand whether it falls under that category! Kellyrogers
OK, I feel alittle better....something else you need to consider (cause the adjuster is gonna ask) was mom paying you? You'll open up a whole new can a worms if she was....also for sure her medpay will pay..(assuming she has it)...no negligence, liablity etc will need to apply and really only exculsion would be if you are a memeber of THAT household..so a little (probably damn little) money there for your med bills...
File the claim under mom's homeowners, there will be a pretty deep investigation re: what you were doing there (paid or not), and reason for collapse....Please keep us updated...this is a very interesting claim..
Sorry about your accident, and glad you can atleast type...gosh...oh mighty that must've been scary, for poor mom too! What are your injuries and are you alright now?
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