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-   -   Homeowner Liability Insurance (https://www.askmehelpdesk.com/showthread.php?t=44331)

  • Nov 22, 2006, 01:48 PM
    june lederle
    Homeowner Liability Insurance
    I own a rental condo on the 9th floor in an 11 story poured in place concrete and steel building. I carry a liability insurance policy on this property. If there is water damage to a unit below me (hot water heater valve malfunction causing flooding) will this liability policy cover the damage to the unit below? I am aware that unless I also carry content insurance on my own unit, the damage in my unit will not be covered. My concern is for my protection from water damage to others.
  • Nov 22, 2006, 07:29 PM
    RichardBondMan
    Quote:

    Originally Posted by june lederle
    I own a rental condo on the 9th floor in an 11 story poured in place concrete and steel building. I carry a liability insurance policy on this property. If there is water damage to a unit below me (hot water heater valve malfunction causing flooding) will this liability policy cover the damage to the unit below? I am aware that unless I also carry content insurance on my own unit, the damage in my unit will not be covered. My concern is for my protection from water damage to others.

    I am an agent not a claims adjuster but my best guess is yes, any such damage caused as you described would be covered, no deductible of course for damage to other's property. I would like for an experienced adjuster to answer also.
  • May 8, 2012, 08:14 AM
    rick7
    A friend fell in my home.
    They fractured their nose, otherwise seem OK.
    Should I contact the company carrying my homeowners insurance?
    Do the insurance companies penalize you for notifying them?

    [email protected]
  • May 31, 2012, 02:58 PM
    ma0641
    Quote:

    Originally Posted by rick7 View Post
    A friend fell in my home.
    They fractured their nose, otherwise seem ok.
    Should I contact the company carrying my homeowners insurance?
    Do the insurance companies penalize you for notifying them?

    [email protected]

    1-YES, 2-NO and 3-easier than answering an attorney with a claim!

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