โFeb-11-2018 04:20 PM
โFeb-13-2018 01:59 PM
โFeb-12-2018 03:29 PM
โFeb-12-2018 11:30 AM
CarnationSailor wrote:
I disagree. Negligence IS covered with most forms of insurance. If I negligently cause an auto accident, I'm covered. If I leave a pot cooking on the stove while I run to the store and a fire results, I'm covered. Etc., etc.
โFeb-12-2018 08:59 AM
โFeb-12-2018 07:28 AM
proxim2020 wrote:
As with most forms of insurance, negligence isn't covered. In this case not only did the operator cause the damage, but also failed find and report the damage in a reasonable time frame.
โFeb-12-2018 06:40 AM
proxim2020 wrote:
It's a pretty common exclusion. A lot of companies have included them for some years now. I know for sure that both Progressive and National General have that same exclusion in their policies. A small caulking failure can completely total a trailer so I see why it exists. Normally these clauses say that water damage isn't covered unless it's caused by covered events. So if the roof failed due to a branch falling then it's covered. You're on the hook if you drive under a branch and don't discover the damage until months later.
As with most forms of insurance, negligence isn't covered. In this case not only did the operator cause the damage, but also failed find and report the damage in a reasonable time frame.
โFeb-12-2018 06:26 AM
โFeb-11-2018 09:10 PM
โFeb-11-2018 04:53 PM