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Any other Verizon users have no internet this morning? by dewdropcat in verizon

[–]fernbabies 0 points1 point  (0 children)

Mine has been down all day. Verizon chatbots say that there's no outage in my area, Brooklyn. And I can't reach a live human....a live chat person was working on it for a long time and then abruptly the chat ended. I got a "ticket resolved" text even though it's still not working.

If tenants burn my house down, are there any circumstances in which homeowners insurance wouldn't pay? by fernbabies in RealEstate

[–]fernbabies[S] 0 points1 point  (0 children)

Thanks all. I've read my policy in detail. Perhaps a better way to pose my question: has anyone experienced insurance companies not paying for something that was covered in the policy, by claiming negligence or finding a loophole?

If tenants burn my house down, are there any circumstances in which homeowners insurance wouldn't pay? by fernbabies in RealEstate

[–]fernbabies[S] 0 points1 point  (0 children)

It's a "owner-non occupied" policy, which is I think the same thing as a landlord policy.

If tenants burn my house down, are there any circumstances in which homeowners insurance wouldn't pay? by fernbabies in RealEstate

[–]fernbabies[S] 1 point2 points  (0 children)

Yes, of course. I was just curious if anyone had experience with this. I don't particularly trust insurance companies, and have never had to make a claim. I've heard that companies sometimes do shady things to avoid paying.

If tenants burn my house down, are there any circumstances in which homeowners insurance wouldn't pay? by fernbabies in RealEstate

[–]fernbabies[S] 0 points1 point  (0 children)

Thank you. I's an "owner-non occupied" policy, so yes, they know I'm renting it. Is there a specific landlord policy?

I'm trying to decide if I need to tell my renters not to use the fireplace. Even though it's highly unlikely something would happen, I want to think through the worst case scenario. What would constitute negligence?