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HO2 and Wind policies in place and premiums paid with Trust…

Customer Question
HO2 and Wind policies...

HO2 and Wind policies in place and premiums paid with Trust as named insured. Deed recorded in FL naming three co-partners/equal shares. Insurance carriers require new application for each policy. However, agency not able to write new coverage for HO2 policy. What happens if there is a claim during policy period?

Lawyer's Assistant: Since estate law varies from place to place, can you tell me what state this is in?

FL

Lawyer's Assistant: Has anything been filed or reported?

Quitclaim Deed filed in FL10-31-17 naming three equal partners.

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

No insurance claims filed.

Submitted: 8 months ago.Category: Legal
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Answered in 5 minutes by:
11/17/2017
Lawyer: INFOLAWYER, Attorney replied 8 months ago
INFOLAWYER
INFOLAWYER, Attorney
Category: Legal
Satisfied Customers: 62,994
Experience: Licensed attorney helping individuals and businesses
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Hello and welcome. I am working on your answer and will be right back!

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Lawyer: INFOLAWYER, Attorney replied 8 months ago

To be clear, when claim arises, there was no new coverage and not insured?

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Customer reply replied 8 months ago
policy has not been cancelled. response from agent 1) find new agent to write coverage 2) hope you don't have claim
Lawyer: INFOLAWYER, Attorney replied 8 months ago

If policy not cancelled, and claim happens and policy covers such ocurrence, then there should be coverage. If insurer didnt timely cancel and notify, it has to cover!

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Lawyer: INFOLAWYER, Attorney replied 8 months ago

Kindly let me know if that is clear and acceptable.

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Customer reply replied 8 months ago
what do you mean timely manner?
Lawyer: INFOLAWYER, Attorney replied 8 months ago

If insurer claims that policy does not cover something it did, it needs to notify insured when that happens.

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Lawyer: INFOLAWYER, Attorney replied 8 months ago

likewise, any agent/broker would need to do so.

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Lawyer: INFOLAWYER, Attorney replied 8 months ago

Kindly let me know if my replies are acceptable. tried to expedite.

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Lawyer: INFOLAWYER, Attorney replied 8 months ago
Awaiting your reply, thank you!
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Customer reply replied 8 months ago
Answers were vague and not helpful, so therefore of no value. Noticed my credit shows pending charges in the amount of $47.00. Please remove total charges. Thanks!!!
Lawyer: INFOLAWYER, Attorney replied 8 months ago
I cannot be specific without specific review of the policy, schedules and all correspondence. This is a general information site and I replied generally so you may apply to your specific facts! if I can elaborate on anything, just ask me.
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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.

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