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Location: NWNJ
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Any homeowners insurance agents here?
Can you tell me what role the Certificate of Occupancy plays when making a claim?
18 years ago my brother did a home improvement, with a permit and licensed contractor, but waited and waited for the town to do the final inspection. They never showed up so they closed everything up. Does he have a valid CO? If not would the insurance company be justified in refusing a claim? He's afraid to appraoch the town for fear of having some serious repercussions. Any opinions? Any advice on how to proceed? TIA
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big blue tricycle stare down the darkness and watch it fade Last edited by Flatbutt1; 02-23-2007 at 03:44 PM.. |
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02-23-2007, 03:23 PM
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Read the homeowners insurance policy. In my experience I've not had that situation come up.
bill
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02-25-2007, 09:14 AM
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Thanks I'll recommend that he scan the policy thoroughly ,but which situation heve you never experienced? The inspector not showing?
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big blue tricycle stare down the darkness and watch it fade |
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02-25-2007, 10:26 AM
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Your insurance commission may know
Call the state insurance commissioner's consumer help line and ask them. They may be able to answer whether a company can deny a claim for not having a document they didn't ask for before they insured your brother. As earlier stated the policy may also state the a certificate is required for coverage.
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1982 911SC 1987 924S |
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02-25-2007, 10:59 AM
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great info, thanks! I'll pass it along!
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big blue tricycle stare down the darkness and watch it fade |
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02-25-2007, 12:30 PM
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To offer any advice we need more information. What kind of claim is he making and what relationship does it have to the home improvements? The C/O would have been issued when the house was first new before it could be sold and occupied. The home improvement shouldn't have required a new C/O unless it was a total rehab. What state is he located in?
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02-25-2007, 02:21 PM
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Location: Knoxville Tn.
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In th business for 20 yrs. The company is trying to determine if this is course of construction related claim. If it is coverage could be limted (no theft).
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02-25-2007, 02:21 PM
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I've never seen a CO play a role in the claims process. Is there a loss or is this just a what if? Most companies will not answer whether coverage applies under a what if question as they are rarely given all the facts. Most polices reserve the right to rescind the policy if a material change has taken place and they were not given the opportunity to re-underwrite the risk. (limited coverage) Who has the responsibility for the inspections? Sounds like the licensed contractor may also be in the loop.
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02-26-2007, 06:47 AM
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911 SC
924S
