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hortnut
Huh?

join:2005-09-25
PNW
kudos:1
Reviews:
·Comcast

1 recommendation

reply to Jack_in_VA

Re: Should we let the tenant move back in after the fire?

said by Jack_in_VA See Profile
It's amazing how much legal advice is on a home improvement forum from people with no training or a license to practice law .
.

:

I agree. Especially since these forum/s bring folks from all 50 states, Canada and other Countries. Each State and Country has its own Rules and Laws. Without seeing the Policy and its endorsements, one cannot make any specific statements as to what is covered and what is not. I have yet to see in this thread or any other thread, a posting of any Policy and its endorsements in question.

Take the United States, there are many different levels of coverage available for Homeowners Coverage and the same is for Renters.

General Liability, in my opinion, is one of the most confusing and least understood Insurance Coverages Provided. It covers dog bites, slip and falls, accidents/events that take place off of the premises that the Insured maybe responsible for and a host of other events/situations.

Let your imagination run wild and most likely there is some sort of coverage or a duty to defend in the event of a Claim/Lawsuit. Shoot someone in the woods by accident while hunting with a Renter's Policy [or Homeowner's] - most likely covered. Your kid put the eye out of a neighbor's kid with his bow and arrow - most likely covered. Lose control of your shopping cart and plow into a car - covered. Your negligence causes damage to property of others or personal injury, whether on premises of off, is covered To give a few examples.

One does not need to be an Attorney to Adjust a Claim for an Insurance Company and many Adjusters know the Laws/Rules better than any General Practicing Attorney and many times one who specializes. They do it everyday of the week. I have had many of my Claims go to Suit, we would assign it to Defense Counsel, yet I would still handle it, with the goal of settling said Claim. If Companies had to use Attorney's, Premiums would probably double.

And then there are Laws and Rules governing Insurance Companies and Adjusters and those vary State to State. There are Company Adjusters and Licensed Independent Adjusters, not to mention Public Adjusters. And then some variations of those.

I have been both a Company and Licensed Independent Adjuster, but the area I worked in was the Pacific Northwest. And it has been a while, so I am unable to speak specifically as to current Policies or Laws that can affect the outcome of a Claim in my area or others. Only in general. Worked many years in those positions, until my own Business could pay my wages.

I also was appointed to Intercompany Claims Arbitration and saw the Work Product of other Companies and their Adjusters. Did that for 5 years in addition to my other work.

Sorry to say, have seen a great deal of misinformation in this thread about Insurance, and felt the need to clear the air. Hope this is helpful.



Jack_in_VA
Premium
join:2007-11-26
North, VA
kudos:1
Reviews:
·Millenicom
said by hortnut:

said by Jack_in_VA See Profile
It's amazing how much legal advice is on a home improvement forum from people with no training or a license to practice law .
.

:

I agree. Especially since these forum/s bring folks from all 50 states, Canada and other Countries. Each State and Country has its own Rules and Laws. Without seeing the Policy and its endorsements, one cannot make any specific statements as to what is covered and what is not. I have yet to see in this thread or any other thread, a posting of any Policy and its endorsements in question.

Take the United States, there are many different levels of coverage available for Homeowners Coverage and the same is for Renters.

General Liability, in my opinion, is one of the most confusing and least understood Insurance Coverages Provided. It covers dog bites, slip and falls, accidents/events that take place off of the premises that the Insured maybe responsible for and a host of other events/situations.

Let your imagination run wild and most likely there is some sort of coverage or a duty to defend in the event of a Claim/Lawsuit. Shoot someone in the woods by accident while hunting with a Renter's Policy [or Homeowner's] - most likely covered. Your kid put the eye out of a neighbor's kid with his bow and arrow - most likely covered. Lose control of your shopping cart and plow into a car - covered. Your negligence causes damage to property of others or personal injury, whether on premises of off, is covered To give a few examples.

One does not need to be an Attorney to Adjust a Claim for an Insurance Company and many Adjusters know the Laws/Rules better than any General Practicing Attorney and many times one who specializes. They do it everyday of the week. I have had many of my Claims go to Suit, we would assign it to Defense Counsel, yet I would still handle it, with the goal of settling said Claim. If Companies had to use Attorney's, Premiums would probably double.

And then there are Laws and Rules governing Insurance Companies and Adjusters and those vary State to State. There are Company Adjusters and Licensed Independent Adjusters, not to mention Public Adjusters. And then some variations of those.

I have been both a Company and Licensed Independent Adjuster, but the area I worked in was the Pacific Northwest. And it has been a while, so I am unable to speak specifically as to current Policies or Laws that can affect the outcome of a Claim in my area or others. Only in general. Worked many years in those positions, until my own Business could pay my wages.

I also was appointed to Intercompany Claims Arbitration and saw the Work Product of other Companies and their Adjusters. Did that for 5 years in addition to my other work.

Sorry to say, have seen a great deal of misinformation in this thread about Insurance, and felt the need to clear the air. Hope this is helpful.

+1 A very good informative post. Thank you for taking the time to clear up some misconceptions on adjusters and differences in location, companies and policy language.