Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Feb 4, 2013

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Insurance Question from Grand Rapids, MI

Asked on 02/04/2013

my company provided house burnt down should the homeowners insurance cover my stuff and my place to stay Should I get some of the insurance money?

Answer given on February 20, 2013

A homeowner insurance policy is intended to cover the owner of the home and the belongings of the homeowner.If your employer had a homeowner policy, they should have made it clear to the insurance company that the home would be occupied by someone other than the owner of the home. If the insurance company understood that, then they may be willing to cover your personal property.The homeowner policy includes coverage for belongings of a guest or boarder in the home. If you are considered to be one of those, then your personal property will be covered by the policy. Any deductible that may apply, will be a part of the settlement.The policy may not cover you for loss of use which would help you pay for additional living expenses. Talk to the insurance adjuster to see if they will offer any settlement in that portion of the insurance.You should also ask your employer if they will offer any payment for your rellocation needs.


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