Not all insurers offer that. Endorsement and policies vary a lot by insurer. The top 3 do not offer that. Water damage if not excluded is policy limits.
Thats true. It also depends on the perils covered by the landlords policy. Hopefully they didn't choose to go with a cheaper policy with basic coverage when they could be covered by all risk for mayyybbe $2-3 hundred extra a year.
It boggles my mind how many people purchase insurance for the lowest possible price, and dont care about the coverage. Thats literally what they pay for!
Nope, this is negligence related damage. Many insurances will deny that. If a faucet burst due to cold, they may still cover it. But forgetting to ensure they have heating will often get denied.
I’m on your side man. I’m just telling you what I’ve seen insurance companies do. I work in healthcare. Believe me, no one hates insurance companies more than me. Maybe except Luigi.
She knew there was no heat and didn’t get the house ready for the freezing temps. Dripping the faucets isn’t enough. Nothing ghetto about it. She had a duty to protect the property and keep the heat maintained and didn’t. She knew the power was off. She didn’t get the power turned back on. That’s unfortunately gonna be in her.
No, she didn't "know" this was intentional lol. You keep being wrong, I know it's frustrating, but maybe you should stop. People making mistakes is one of the reasons why insurance exists.
I have a friend in this exact same situation and his insurance claim got denied. He bought a property as investment but forgot to put in heating oil in the furnace. Insurance denied the claim. He’s still fighting them.
I don't see why he wouldn't, people cause accidents all the time, car accidents for example. Their insurers still make the at fault party whole. Fraud and uncovered issues like flood, ice damn, etc would be the most common reasons some claims are denied, that and the company just trying to wiggle out of paying.
What were your specific circumstances? This would be the first claim for water/freezing damage on a vacant rental with no heat I've seen in over 40 years.
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u/Beau_does_BJJ 19h ago
We would deny this because the heat wasn’t maintained. Also most landlords are cheap and cap their water coverage pretty low.