Interesting question. Would OP care to share some details?
shittyhawaiitips on
ask your adjuster why they are denying your claim.
none of us have access to your policy.
TooMuchCaffeine37 on
This smells like future fraud.
Face_Content on
Whenever they want within the policy.
key2616 on
When it’s somehow excluded in the policy. And there aren’t any common exclusions in most HO policies for fire, so if it’s not intentional, a denial is going to very weird and entirely depended on the circumstances.
ghost9680 on
Hmm.
Arson by, or at the direction of, an insured.
Gross negligence if the intentional damage exclusion includes “expected” damage in addition to intentional damage. (Like setting up a grill in your living room to grill some steaks or make s’mores”.)
If you somehow had a named peril policy and fire wasn’t one of the named perils.
Arson is pretty dumb. It’s classified as a violent crime. If it goes wrong you can end up in prison. Some people have even been executed for it.
barbe_du_cou on
Fire is one of the more straightforward causes of loss for coverage once one dispenses with fraud or questions about if the policy was active. This partially stems from the original New York standard fire insurance policies against which modern policies were developed from the 1930s. Insurance is generally no more restrictive than the NY form. Insurance against fire was the primary purpose of earlier insurance schemes and today’s policies still reflect that in how fire is broadly covered.
2ndharrybhole on
When its not covered
14point4kMODEM on
Other than the insured causing the fire on purpose, Arson by others is still covered generally, vacancy might cause it to not be covered. If this is either a homeowners policy that you don’t actually live at or a landlord policy that has been vacant for a while that could cause a denial.
10 Comments
Interesting question. Would OP care to share some details?
ask your adjuster why they are denying your claim.
none of us have access to your policy.
This smells like future fraud.
Whenever they want within the policy.
When it’s somehow excluded in the policy. And there aren’t any common exclusions in most HO policies for fire, so if it’s not intentional, a denial is going to very weird and entirely depended on the circumstances.
Hmm.
Arson by, or at the direction of, an insured.
Gross negligence if the intentional damage exclusion includes “expected” damage in addition to intentional damage. (Like setting up a grill in your living room to grill some steaks or make s’mores”.)
If you somehow had a named peril policy and fire wasn’t one of the named perils.
Arson is pretty dumb. It’s classified as a violent crime. If it goes wrong you can end up in prison. Some people have even been executed for it.
Fire is one of the more straightforward causes of loss for coverage once one dispenses with fraud or questions about if the policy was active. This partially stems from the original New York standard fire insurance policies against which modern policies were developed from the 1930s. Insurance is generally no more restrictive than the NY form. Insurance against fire was the primary purpose of earlier insurance schemes and today’s policies still reflect that in how fire is broadly covered.
When its not covered
Other than the insured causing the fire on purpose, Arson by others is still covered generally, vacancy might cause it to not be covered. If this is either a homeowners policy that you don’t actually live at or a landlord policy that has been vacant for a while that could cause a denial.
When they find posts like this.