28 July 2010, 9:06 am
Urgent please, thanks in advance for giving your time! I have rented a few rooms in my house where I also live in. This is the only home I own. Since I met my girl friend, I have been spending a lot of time in her house in a city 100 miles away for the last 10 months while also retaining my house as my primary residence. I get all my important mail (utilities bills, bank statements, auto/insurance bills, in fact all mail there) that I collect on my visits. I do spend a few days here and there every month in my house. One tenant (let's call him M) claims as of 7/26/10, he hurt his abdominal membrane causing hernia while force opening a sliding door to the backyard. Yes, the door is a little stuck and needs cleaning of the rail and a WD-40 treatment. M is 62+ years old, separated, is bipolar (behavior varies between frenzied highs/lows, good/bad remarks verbal or in email). He was suicidal during last month. He shared that while chatting with some acquaintance/friend, and police took him in for one night. He is advised by his doctor to refrain from using force due to some internal prior surgery - he shared this with me during my last visit around 7/15/10. And, now I suddenly hear about he hurting himself while opening the glass sliding door. He was admitted to Emergency with pains, and needs to go through surgery and later hospice. He is threatening to file a lawsuit. I only have a Regular Home Insurance Policy that has coverage for Medical (3000), Liability (300,000). I want to hear your thoughts/ideas about how to protect myself under the circumstances? On his request, I have given him the reference to this policy (excerpts below): Quality Plus Home (First National Insurance Company of America) Policy#: OA3712728 MORTGAGEE DECLARATIONS (Original) Policy Period: From 06/03/2010 To 6/3/2011 at 12:01 A.M. standard time at the address of the insured as stated herein. Date Prepared: 6/7/2010 Prepared For: Agent: Deepak Sharma EXECUTIVE EDGE INS SVCS LLC 1117 MIRROR LAKE DR 189 W EL PORTAL DR MERCED, CA 95340-0671 MERCED, CA 95348-2833 Phone Number: (866) 472-3326 Agent #: 151221 Producer: 151221 License #: Of37811 Email: Jason@eeins.com Mortgage Servicing Agency: Wells Fargo 323 Celebration Blvd Florance, SC 29501 Loan Number: 3015904174 Dwelling Address: 1117 MIRROR LAKE DR Territory: 251 MERCED, CA 95340-0671 Year Originally Built: 1989 All Perils Deductible: $1,000.00 REQUIRED COVERAGES LIMITS Section I I - Dwelling $289,300 II - Other Structures $28,930 III - Personal Property $202,510 IV - Loss of Use 24 Months Section II V - Personal Liability $300,000 VI - Medical Payments to Others $3,000 OPTIONAL / INCLUDED COVERAGES Page 1 of 2 Quality Plus Home (First National Insurance Company of America) Policy#: OA3712728 Extended Dwelling Coverage Yes Full Value on Personal Property Yes 438 BFU Yes EEE - Worker's Comp - Occasional Employees Yes _____________ Your total annual premium is: $649.00 This is your homeowners declarations showing the period covered. Authorized Representative: __________________________________ Hi Guys, Great information so far! I consider it my primary residence as I kept a room to myself, and had all my mail delivered there. I don't know how else you establish a house as your primary residence. Please clarify. I worked at Merced Unified School District and have a valid teaching permit as a substitute teacher. Meeting my soulmate changed everything and over the last number of months, I started living more at her place while leaving other things as they were. The whole thing started changing slowly. Can I approach my insurance rep. and ask him/her to change my policy and I would then rent the fourth bedroom also? What harm is there for me to share all this with my insurance now (now that a claim is being filed with them)? Margarita, as you say there should be no fear, let me know any cautions that I should use. Bought 4 bedroom house April 2008, got policy, kept the house to myself till August 2008, got two tenants, 3rd Jan 2009, kept Master Suite 2 myself till Oct 2009.... Read More »
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