Estate Claim

I have a homeowner who's father passed away before the hail storm and the property is currently an 'estate'. Homeowners daughter contacted insurance in regard to the claim and the insurance told her that she didn't want to bring any attention to the policy. Also, it was said she could be dropped. Is this true? They have a valid claim, their roof and gutters are badly damaged but I do not want to steer them in the wrong direction. Should I advise them to file the claim? What will happen if they do file the claim. The obvious answer is they paid their payments so they have coverage and they should file the claim but I want to make sure this is the correct answer. Thanks!

I owe everyone an apology. It us harsh, and out of line. Sorry!!

You don't mention what type of HO policy this is or what state you are in. Working off of the language found in the a standard Homeowners - Form A. The very last paragraph of the policy covers what you describe:

9. Death. If the named insured dies, we insure: a. the name insured’s spouse, if a resident of the same household at the time of death. b. the legal representative of the deceased. However, if this legal representative was not an insured at the time of death of the named insured, this policy will apply to such legal representative only with respect to the premises of the original named insured. c. any person who is an insured at the time of such death, while a resident of said premises.

Tin that was radical visceral advise. "Dude."

The estate would have the right to make a RCV claim IMO. It might make sense for them to replace the roof by the estate prior to transfer to any heirs. Generally, the money itself is all heirs are looking for.

B) :) :) B) Deep Down In Florida Where The Sun Shines Damn Near Every Day

Absolutely they should file the claim. On top of that, I'd back the insurance agent off 2 steps by telling him that if the insured is cancelled, you will file a bad faith complaint with the state board of insurance for using such a threat in an attempt to avoid a claim.

The insured has little to lose by filing a claim - it appears their coverage isn't worth crud anyway. Or at least the agent is worthless.

Tin Man, I'll just give you the benefit of the doubt and assume you were drunk when you typed that.

That's good snapshot of the "Race to the Bottom" there Tin man

Why do you care. If they want the work, THEY are responsible for the payment. I would not wait for the insurance company to pay me. USFC= You signed the f**king contract. Why get involved?