hey, i am new to this online group, so bear with me, please.
my question is regarding the liability portion of my homeowners insurance. my family and i were staying with my parents at a vacation cabin in the nc mountains. my wife accidentally turned an iron over onto the floor, which burnt a nice iron-shaped hole in the carpeting in the basement. it was the cheap glue-down style carpet so it burnt pretty quickly.
i told the owners of the cabin since it was the right thing to do. i do not know if they will come calling for repairs or not. the repair could be minor (a patch) or major (replacing all connecting carpeting). or they might just never call. i am wondering whether or not it is covered under the liability portion of my policy. there is an exclusion under the liability portion (#14) that states that they will not pay for property damage that is caused by an insured (my wife) who causes damage to a property rented or occupied by an insured. but, my parents were renting for the week and not me. not to mention, i think the intent on that exclusion is for long-term rentals/condos owned by me that should be insured under separate HO or renters policy, not for a place that is rented for a week on vacation. also, the policy says the exclusion does not apply if it is caused by fire, explosion, or smoke. i reckon that heat from an iron would not extend to fire
.
any input would be appreciated. my coverage is in ga, but the loss occurred in nc. i have not called my insurer (allstate) and asked the question because i do not want them to automatically open a claim if i don't need to.
thanks
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