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france615
4 Posts |
 Posted - 06/20/2003 : 15:47:27
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Jim,
Thank you for your response as well. I believe most of your questions I answered in the above post. There were a few policy specific answers I left out:
My policy is the 4th edition (Farmers). I don't believe that she qualifies as an insured as it states:
"Insured- means you and the following persons if permanent residents of your household:
a. relatives
b. anyone under the age of 21"
There is a portion listed under the exclusions portion for coverage E and F that states:
"We do not cover bodily injury or property damage which:
1. arises from or during the course of business pursuits of an insured.
But we do cover:
a. that part of a residence of yours which is rented or available for rent:
(1) on an occasional basis for sole use as a residence.
(2) to no more than two roomers or boarders for sole use as a residence.
(3) as an office, studio or private garage.
Does this portion mean that she would be covered?
Thanks again for any light you can shed on this subject. I am completely confused.
Franci |
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CCarr
Canada
1200 Posts |
Posted - 06/20/2003 : 16:32:02
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Franci, I do hope that your insurer has assigned a good liability adjuster and that this adjuster has been to your home long before today, to document the scene, take your detailed statement, request / obtain a detailed statement from your tenant; and any other statement deemed necessary from the former statements.
I say "good liability adjuster" because there are many "red flags" apparent relative to both the issue of negligence and the "actions / intent" of the tenant.
You are quite an articulate person, and I do hope the assigned adjuster can capture all that you can provide; and in turn work with it.
To answer the only question in your initial post, I do not note anything in what you have said, that would preclude you from being "typically covered".
Beyond that, I do not believe the type of claim scenario you have provided, is one where "long distance" opinions on negligence can be accurately provided.
I do not know what your policy personal liability limit would be, nor should you disclose it to other than your lawyer; but I would suggest you bear that in mind and ask the assigned adjuster or in time the insurer solicitor if your limit is sufficient based on their assessments.
Finally, I would suggest that you start a "claim journal" to document ALL communications you have (written or oral, to & from) with anyone on this claim, until it is well behind you. |
Edited by - CCarr on 06/20/2003 16:52:20 |
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france615
4 Posts |
Posted - 06/24/2003 : 19:01:04
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| CCar,Thanks again for your feedback. |
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