by Guest » Thu Feb 07, 2008 07:18 am
I moved into a house that had a three day grace period to submit a paper with any damages the house had prior to my residency. Well shortly after those three days a friend of mine was complaning about how the lessor charged her full price of the carpet and then did not replace all of the carpet. So I black lighted my house and sure enough I found about 6 to 8 urine stains that were there before I moved in. Now I have to pay for all of the carpets. Is there any insurance that will help cover that?
Posted: Thu Feb 07, 2008 11:46 am Post Subject: simple fact
Hey there, I don't see any way out for you this time, simply becoz you didn't discover those stains within those stipulated 3 days. Now, it would be difficult to settle it out!
Plasmaencore
Posted: Thu Feb 07, 2008 12:04 pm Post Subject: rules
Hi,
There are some rules governing the pre-existing condition exclusion period in many of our policies. But then again such conditions would vary from one state to another. You need to consult the DOI with respect to the said incident & find out if they have any option that lets you fetch them re-valuate the carpet area specified by you. I am saying this since I truly believe that if they go through the stains, they may easily get an idea of the age of such stains ( assuming fresh stains under such conditions would look different). Forensic experts would not even have to conduct tests at higher degrees to ascertain that age. But yeah, you won't probably get a fresh insurer to cover it now but once the age of such stains could be established, I'm sure you could claim a wholesome amount out of the party.
All d' best :) Reckless$$earner
Posted: Thu Feb 07, 2008 12:07 pm Post Subject: urine stains
Hi anonymous223
I'm sure once the stains are proved to have been there initially you'd be entitled to earn a certain amount in terms of the penalty ( I say this measuring the possibility of damage done to your health prospect) owing to the fact that the stains are 'urine stains' & not ordinary stains.
CLovendirt
Posted: Thu Feb 07, 2008 12:11 pm Post Subject:
No insurance policy is going to cover this...especially now...I'm unclear OP are you just worried that this might happen or it has ? I sincerely doubt that the landlord is going to blacklight the place after you move...so if the stains are not clear to the unaided eye I don't think you'd have anything to worry about....If on the other hand you are saying that YOUR landlord is attempting to charge you to replace all the carpet in the home...for urine stains that are on ly visible via black light? I'd make him sue me for that....What exactly did you landlord say? This should be in writing, (his demand) did you pay a damage deposit? Is that what they are attempting to keep? Please expand on your post.
Posted: Fri Feb 08, 2008 06:21 pm Post Subject:
There are some rules governing the pre-existing condition exclusion period in many of our policies. But then again such conditions would vary from one state to another. You need to consult the DOI with respect to the said incident & find out if they have any option that lets you fetch them re-valuate the carpet area specified by you.
Pre-existing conditions exclusion? Is this a health or medical expense contract? Don't think so...and that term (pre-existing condition) is almost always related to medical situations.
While it's true that no insurer will pay for damages that were caused prior to the effective date of coverage on their policy, there is no "waiting period" in P&C that would allow you to claim damages AFTER a certain period of time has elapsed. For example: you have a car accident, THEN buy an insurance policy, and expect the new insurer to cover the loss. Not gonna happen EVER.
Additionally, homeowner's insurance policies do NOT cover property damage to the OWNED insured premises or personal property owned by the insured caused by domestic animals, such as a dog or cat. Now, if a bear were to break into your home, that would be another story! :shock: HO policies will cover the liability associated with ownership of the animal, and this could be construed to be a liability situation (renter liable to the landlord for damage caused by animals owned by the renter)
Next:
You need to consult the DOI with respect to the said incident & find out if they have any option that lets you fetch them re-valuate the carpet area specified by you.
The Department of Insurance will have nothing to do with this. They would only intervene in the case of violation of contract law or state rule/law. They are NOT going to moderate claims, unless law or rule has been violated.
Lastly- I concur with Lori's statement:
If on the other hand you are saying that YOUR landlord is attempting to charge you to replace all the carpet in the home...for urine stains that are on ly visible via black light? I'd make him sue me for that....
I'd make him sue me, too. On the other, if this is dealing with a security deposit issue and the landlord is debiting the deposit to pay for damage that existed prior to the move-in, there's a problem. The OP didn't state whether the prior renters had any animals...hmmmmm.
InsTeacher 8)
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