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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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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Reviewed by Jeffrey Johnson
Managing Editor & Insurance Lawyer

UPDATED: Apr 1, 2012

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Insurance Question from Little Rock, AR

Asked on 04/01/2012

Myself and my husband have gone into a rent own deal with someone fire happened do we have say so in the insurance claim as how to spend the money. The lady has received the money we want her to allow us to handle getting things fixed being that we are the ones who have been paying the house notes from January 15 of 2011 to now March 31of 2012 or do we have to go along with the way she wants to do things sense the insurance is in her name or can we fight it what rights do we have in this situation.

Answer given on April 03, 2012

If there was a homeowner claim on a property that you are renting to purchase, and the insurance policy is in the name of the seller, then the settlement check will be made payable to the named insured on the policy.You should have made sure that you were named on the policy as an additional insured. In that case the check would have been made payable to the named insured and you.If the policy was written as a homeowner policy, then it includes contents coverage for any personal property that was damaged in the fire. However the check will be made payable to the named insured. The insurance company may refuse to pay for the damages since she does not own the personal property, but there are sections of the policy that allows the payment for others in the home.Going forward you need to be sure the insurance is properly writen for the futre. You may be able to buy a homeowner policy in your name and add the seller as an additional insured. This would not work if there is a loan on the property for the seller, since the bank will not allow this.


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