Forum Discussion
rockhillmanor
Oct 13, 2013Explorer II
SolidAxleDurango wrote:
.....If an insurance company didn't have to pay out a claim if the negligent party was breaking a law, then liability insurance would not exist. Period. .
Been there done that with house insurance. I had a ben franklin stove in the family room. Came with the house. Insurance agent said he could not insure the house with a ben franklin free standing stove.
We said we would remove it after closing.
My agents comment was if the house burned it had better not be there 'just' in case we were 'thinking' of leaving it in the house. Because if it was discovered they would not pay the claim.
DIFFERENT rules for every state, city county and circumstance, regarding insurance. Read your policy there ARE exceptions and if you breach those exceptions they do NOT have to pay the claim. Period.
Which is why it is often posted to advise op's to check 'their' state laws AND insurance company policies. It is not the same all over.
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