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 9, 2011

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Insurance Question from Mount Pleasant, FL

Asked on 02/09/2011

When requesting a quote, I tell them there is no fire hydrant or station for 6-7 miles away, yet the quote shows a fire hydran within 1000 ft of home I have explained to the companies that send a quote that I do not have a fire hydrant within 1000 ft of my house and that the fire station is 6-7 miles away, and the agent tells me this is what comes up in the system. If I elect to go with their company with this on my policy, won't I be entering a fraduential contract? How can I get the companies to correct this and give me a correct quote on what is actually what I have?

Answer given on February 10, 2011

If you have revealed the correct information to the agent or insurance company about the hydrant and fire department, but they offer a quote showing the hydrant and fire department are nearer, you have done the best you can do to give the correct information to the insurance company.   You may purchase the policy as quoted, but I would make sure you have proof that you provided the correct information, such as a letter to the agent or company and keeping a copy for your records.

You indicate that one agent confirms the distance of the hydrant and fire department, but I presume that company is also offering a quote showing nearer protection.  It seems the agent should be able to discuss this with the underwriters to try to get an accurate quote.

Finally, you should try other insurance companies to see if they can provide an accurate quote based on your fire protection.  There should be a company out there who can get the information right.


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