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UPDATED: Feb 21, 2012
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Insurance Question from Guyton, GA
Asked on 02/21/2012
Renting? can you rent a home whilst having normal home insurance in place, and when the tenants leave you lets say you move back in and 6 months later a pipe bursts... are you allowed to claim?
Answer given on March 01, 2012
While each insurance company has its own rules regarding renting out a home while the policy is written as a homeowner policy, the fact that you were living in the home at the time of the pipe burst, you may file a claim.Before filing the claim, please be aware that you may lose any claim free discount that you enjoy. In addition, the cost of the pipe repair is not covered under a homeowner policy. It will only pay for the damages done to the home, such as water damage in the area of the burst pipe, and for repairing the wall or area where the pipe is. However, the cost of the pipe is not covered. Of course, your deductible will apply to any covered loss.Talk to your insurance agent about the loss, to determine if you do have a claim free discount and what it saves you. Be sure that the loss of this discount will not be greater than the amount you will receive for the claim.
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