My 5 year old son vomited all over 3 rooms of very expensive
by Guest » Sat Feb 13, 2010 02:55 pm
Will home owners insurance cover replacement cost of wool carpet that has been ruined due to child vomiting?
Total Comments: 15
Posted: Thu Feb 25, 2010 05:07 pm Post Subject:
Hey Trench, what did you mean by
With what Ins posted-he said unusal- I have yet to see a client deny coverage for that endorsement.
Do you mean that if an agent offered the HO15 endorsement, you haven't seen a client turn down the coverage offer? Or insurers are denying claims under the endorsement? Would you please clarify? Thanks!
InsTeacher 8)
Posted: Thu Feb 25, 2010 07:00 pm Post Subject:
I have not had a client deny a claim for resident of the household under a HOP with that endorsement. Lori stated that if the child was a resident of the household it would not be covered, that is incorrect. I wasn't stating that the claim would be covered 100%. With the persnal property endorsement of HO15, this would be covered. If a standard endorsement of 3 or 4 even with replacement coverage, as I said not 100%. Limited peril.
Posted: Fri Feb 26, 2010 05:14 pm Post Subject:
Trench, l still don't understand what you are saying. What does this mean?
I have not had a client deny a claim for resident of the household under a HOP with that endorsement.
Client's don't deny claims- insurers and adjusters deny claims. Are your clients the carriers? Agreed with your statements on the HO5 policy/HO15 endorsement, but this part is confusing me.
InsTeacher 8)
Posted: Fri Feb 26, 2010 06:09 pm Post Subject:
Yes, my clients are carriers. The endorsement meaning the HO5/15. However even basic HOP HO3/4, this type of event (vomiting) would be covered on limited basis. As I said earlier in the case of the colostomy bag on the couch, the policy did not have the HO15 coverage. The claim was paid minus the deprication for the couch, which had to be replaced-after attempts to clean it failed.
Posted: Fri Feb 26, 2010 06:53 pm Post Subject:
Trench, thanks. Now I understand where you are coming from. I agree fully with what you're saying re: the HO5/HO-15 stuff.
Posted: Thu Feb 25, 2010 05:07 pm Post Subject:
Hey Trench, what did you mean by
With what Ins posted-he said unusal- I have yet to see a client deny coverage for that endorsement.
Do you mean that if an agent offered the HO15 endorsement, you haven't seen a client turn down the coverage offer? Or insurers are denying claims under the endorsement? Would you please clarify? Thanks!
InsTeacher 8)
Posted: Thu Feb 25, 2010 07:00 pm Post Subject:
I have not had a client deny a claim for resident of the household under a HOP with that endorsement. Lori stated that if the child was a resident of the household it would not be covered, that is incorrect. I wasn't stating that the claim would be covered 100%. With the persnal property endorsement of HO15, this would be covered. If a standard endorsement of 3 or 4 even with replacement coverage, as I said not 100%. Limited peril.
Posted: Fri Feb 26, 2010 05:14 pm Post Subject:
Trench, l still don't understand what you are saying. What does this mean?
I have not had a client deny a claim for resident of the household under a HOP with that endorsement.
Client's don't deny claims- insurers and adjusters deny claims. Are your clients the carriers? Agreed with your statements on the HO5 policy/HO15 endorsement, but this part is confusing me.
InsTeacher 8)
Posted: Fri Feb 26, 2010 06:09 pm Post Subject:
Yes, my clients are carriers. The endorsement meaning the HO5/15. However even basic HOP HO3/4, this type of event (vomiting) would be covered on limited basis. As I said earlier in the case of the colostomy bag on the couch, the policy did not have the HO15 coverage. The claim was paid minus the deprication for the couch, which had to be replaced-after attempts to clean it failed.
Posted: Fri Feb 26, 2010 06:53 pm Post Subject:
Trench, thanks. Now I understand where you are coming from. I agree fully with what you're saying re: the HO5/HO-15 stuff.
InsTeacher 8)
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