We have a rental house and the kids in the house broke a window and the renters called to see if it's covered by our homeowners ins.
Total Comments: 2
Posted: Sun Nov 07, 2010 03:22 pm Post Subject:
Your renter cannot file a 1st party claim against your HO policy. They could file a liability claim (you being liable for damage caused to them)... but in this case the renter is actually liable to you! Send your renters a bill for the window that they broke (you really should be requiring that the have renters insurance... if so, file a claim under their renters insurance).
Posted: Mon Nov 08, 2010 01:34 pm Post Subject: Not covered
It is not covered and wouldn't likely meet the all perils deductible anyway. Frivolous claims filings is how people get cancellation letters. Always talk to your agent on minor claims and try to mitigate the damages yourself when possible and feasible. As the owner you must take a duty to defned meaning that you must get that window replaced to avoid future damage to the dwelling such as mold or moisture penetration.
Posted: Sun Nov 07, 2010 03:22 pm Post Subject:
Your renter cannot file a 1st party claim against your HO policy. They could file a liability claim (you being liable for damage caused to them)... but in this case the renter is actually liable to you! Send your renters a bill for the window that they broke (you really should be requiring that the have renters insurance... if so, file a claim under their renters insurance).
Posted: Mon Nov 08, 2010 01:34 pm Post Subject: Not covered
It is not covered and wouldn't likely meet the all perils deductible anyway. Frivolous claims filings is how people get cancellation letters. Always talk to your agent on minor claims and try to mitigate the damages yourself when possible and feasible. As the owner you must take a duty to defned meaning that you must get that window replaced to avoid future damage to the dwelling such as mold or moisture penetration.
Good luck
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