Can I file a claim with my homeowners insurance if I did not own the house at the time?
Friday, August 20th, 2010 at
12:52 am
guruchild73 asked:
Everyone in my neighborhood is getting new siding because a hail storm in 2002 did some damage. I bought the house in 2006. Can a file the same claim that everyone is filing?
Everyone in my neighborhood is getting new siding because a hail storm in 2002 did some damage. I bought the house in 2006. Can a file the same claim that everyone is filing?
Tagged with: Homeowners Insurance • Insurance • Neighborhood
Filed under: Homeowners Insurance
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No. You were not insured in 2002 for that property.
no… you didnt own the house and no one made you buy a house with bad siding
Uh, no, if you didn’t own the home when the damage was done, you didn’t have homeowners insurance then.
No, and neither can everyone else. The insurance company will probably deny the claims when it learns that the claims were not filed until eight years after the damage supposedly happened.
Absolutely not. You have no claim. You didn’t have a policy on the property and you didn’t own the property at the time of the loss, therefore, you don’t have a loss.
This type of thinking is exactly why so many people are paying ridiculously high homeowner’s insurance premiums.
homeinsurance.awardspace.us – try this one. Got my home insurance from them. As I know they provide such a service.
Nope, because you didn’t own the house at the time the damage ocurred.
Likely, the prior owner already filed a claim for that damage, and got paid. Your purchase price should have reflected the existing damage.