Can i get paid for property lost in a fire

I stayed with my mom and the house
caught fire and she passed away but the
house insurance company says that they
were only paying for her property in
the dwelling can i sue the insurance

Asked on April 6, 2017 under Insurance Law, Tennessee


SJZ, Member, New York Bar / FreeAdvice Contributing Attorney

Answered 3 years ago | Contributor

It was her insurance, not yours. The insurer only has to pay if the policy says it did--that is, if she had purchased insurance coverage that extended to her guests. If she did, they need to pay as much as the policy says they'd pay you, a guest; if she did not have such coverage, they do not have to pay you. When it comes to insurance, it is all about what the policy says, since insurance is a contract, and contracts are governed by their plain terms.

IMPORTANT NOTICE: The Answer(s) provided above are for general information only. The attorney providing the answer was not serving as the attorney for the person submitting the question or in any attorney-client relationship with such person. Laws may vary from state to state, and sometimes change. Tiny variations in the facts, or a fact not set forth in a question, often can change a legal outcome or an attorney's conclusion. Although has verified the attorney was admitted to practice law in at least one jurisdiction, he or she may not be authorized to practice law in the jurisdiction referred to in the question, nor is he or she necessarily experienced in the area of the law involved. Unlike the information in the Answer(s) above, upon which you should NOT rely, for personal advice you can rely upon we suggest you retain an attorney to represent you.