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I'm am living in my deceased grandparents house and paying…

I'm am living in...

I'm am living in my deceased grandparents house and paying property taxes. The title is still in my gp's name (14 yrs now). My mother refuses to insure the house and will not sign a waiver for me to purchase HO insurance. I have made thousands of dollars in improvements and I'm concerned that if something happens I will be left with nothing. Is there another way I can obtain homeowners insurance?

Lawyer's Assistant: Estate laws vary by state. What state are you in?

Texas

Lawyer's Assistant: What documents or supporting evidence do you have?

I pay the taxes to my mother by check and note them for property taxes. I have receipts for improvements over the years.

Lawyer's Assistant: Anything else you want the lawyer to know before I connect you?

I have tried to purchase the house, but she keeps stalling. I also pay all my uncle's utilities (his house is on the back of the property. I have done this for 14 years. My mother and uncle were the only two children from my grandparents.

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Answered in 6 minutes by:
9/17/2017
socrateaser
socrateaser, Attorney
Category: Estate Law
Satisfied Customers: 40,074
Experience: Retired
Verified

Hello,

You can't purchase insurance unless an insurer is willing to sell it to you. However, you could petition the probate court to administrate the property and have title transferred to the bona fide heir(s) -- whomever they are. If one of them is your mother, then you could simultaneously seek reimbursement from the estate for the value of your improvements, and assuming that you prevail, the court may order the property sold to recover its value so as to pay your claim.

This could lead to a settlement, under which you would share title to the property (to avoid selling the property) -- and of course, once your name is ***** ***** you can purchase insurance.

It's certainly not a convenient process, but if you really want to protect your interest, then you need to get the legal "ducks all in a row."

I hope I've answered your question. Please let me know if you require further clarification. And, please provide a positive feedback rating for my answer (click 3, 4 or 5 stars) -- otherwise, Justanswer retains your entire payment, and I receive nothing for my efforts in your behalf. Note: If you cannot find the rating button on your webpage, please just type in your rating in a response to this note, and customer service will apply the rating for you.

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socrateaser
socrateaser, Attorney
Category: Estate Law
Satisfied Customers: 40,074
Experience: Retired
Verified
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DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.

The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).

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