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Are you saying you know of an instance where an insurance company sued their own customer for accidentally burning down their own house? I'd like to know more a

by fr0sty 7y ago

Are you saying you know of an instance where an insurance company sued their own customer for accidentally burning down their own house? I'd like to know more about the particulars because that sounds like another urban legend.

close04 7y ago
> that sounds like another urban legend Another? Didn't we clear this one already above when your link showed courts upheld the "legend"? Are you contradicting me or the courts? Feels like you're no longer looking for any evidence, just grasping at straws. Plenty of resources that tell you that it's perfectly possible to get no payout (depends on your contract of course)[0][1]. Or they will pay out but capped to a low figure [3]. Again, read your contract and decide what applies to you, pray there's no fineprint to screw you over. [0] https://www.boss.info/us/consumer_warning/ https://www.boss.info/us/consumer_warning/ > unauthorized modification of electrical wiring may void your homeowners fire insurance policy [1] https://www.quora.com/Is-it-illegal-to-do-electrical-tasks-without-a-license-or-is-it-just-preferred-by-companies-and-the-buyers-market https://www.quora.com/Is-it-illegal-to-do-electrical-tasks-w... > Most jurisdictions require a permit to be pulled for most electrical work [3] https://www.reddit.com/r/HomeImprovement/comments/7vwe23/does_anyone_have_hard_evidence_that_homeowners/ https://www.reddit.com/r/HomeImprovement/comments/7vwe23/doe... P.S. No, I do not know any cases where the owner was sued but I do know many cases where the insurance company payed out and then sued the company that did the faulty repairs to recover the entire payout. I also know one case where a faulty repair done by the owner caused a fire that injured the tenant - the owner was found guilty of recklessness/gross negligence (no idea about the insurance in that case).

by fr0sty 7y ago

close04 7y ago

> that sounds like another urban legend Another? Didn't we clear this one already above when your link showed courts upheld the "legend"? Are you contradicting me or the courts? Feels like you're no longer looking for any evidence, just grasping at straws. Plenty of resources that tell you that it's perfectly possible to get no payout (depends on your contract of course)[0][1]. Or they will pay out but capped to a low figure [3]. Again, read your contract and decide what applies to you, pray there's no fineprint to screw you over. [0] https://www.boss.info/us/consumer_warning/ https://www.boss.info/us/consumer_warning/ > unauthorized modification of electrical wiring may void your homeowners fire insurance policy [1] https://www.quora.com/Is-it-illegal-to-do-electrical-tasks-without-a-license-or-is-it-just-preferred-by-companies-and-the-buyers-market https://www.quora.com/Is-it-illegal-to-do-electrical-tasks-w... > Most jurisdictions require a permit to be pulled for most electrical work [3] https://www.reddit.com/r/HomeImprovement/comments/7vwe23/does_anyone_have_hard_evidence_that_homeowners/ https://www.reddit.com/r/HomeImprovement/comments/7vwe23/doe... P.S. No, I do not know any cases where the owner was sued but I do know many cases where the insurance company payed out and then sued the company that did the faulty repairs to recover the entire payout. I also know one case where a faulty repair done by the owner caused a fire that injured the tenant - the owner was found guilty of recklessness/gross negligence (no idea about the insurance in that case).