was divorced 11 years ago. Decree state I give up all rights to home. The house still exits in my ex-wife name and myself. Neither live in.

Free Insurance Quote Comparison

 Secured with SHA-256 Encryption

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...

Full Bio →

Written by

UPDATED: Jan 1, 2016

Advertiser Disclosure

It’s all about you. We want to help you make the right legal decisions.

We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

Insurance Question from Mesquite, TX

Asked on 01/01/2016

was divorced 11 years ago. Decree state I give up all rights to home. The house still exits in my ex-wife name and myself. Neither live in. Tornados in Garland have damaged the house. My name and ex are on the mortgage/insurance and deed. It has been occupied by her daughter. Since I am still on the deed/insurance she is now trying to remove, according to insurance adjuster. I not trying to get any moneys, just want to insure that I am not left with the mortgage if she is the only person to receive moneys, without my name and mortgage company's name.

Answer given on January 02, 2016

If there is a covered homeowner insurance claim for tornado damage, the insurance company will send out an adjuster to determine the amount of the damage. They will then work with a contractor that you choose to settle the claim. If there is a mortgage on the home, the insurance company may include the name of the mortgage company. However, sometimes they will make the check payable to the contractor and the named insured. Each insurance company handles this differently. It is very unlikely that they would make the check out to your ex-wife only.If neither you or your ex wife live in the home, the insurance company may insist on changing the insurance from a homeowner policy to a rental dwelling policy. They could decline the claim since the insurance policy is not written correctly, but they should not. If your daughter had damage to her personal property, they may decline that portion of the loss.


IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and FreeAdvice.com AS IS. It has not necessarily been reviewed by the management staff of FreeAdvice.com nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although FreeAdvice.com has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on AttorneyPages.com to represent you.

Free Insurance Quote Comparison

Enter your ZIP code below to compare cheap insurance rates.

 Secured with SHA-256 Encryption