Our craziest claim stories continued! Read Part I (” A deer jumped through my window”…) if you missed it.
#6- Play date gone wrong- “My daughter was at her friend’s house next door and while the parents weren’t looking she took all the nail polish out of the bathroom and painted it all over their walls, carpet and furniture! It was SUCH a huge mess!”
Lesson learned: The specifics of each policy can differ but this customer was covered under her home insurance policy for the damages to her neighbors house as the “nail polish fiasco” was considered property damage.
#7- What happens in Vegas stays in Vegas- or does it?- One wild customer was partying it up with some friends in a hotel when a sprinkler head in the ceiling “somehow got broken off”. The hotel estimated that the total damages were around $10,000! He wanted to know if he should file a claim for the damages.
Lesson learned: His insurer in this case actually covered the damages- and paid out over $12,000 to repair the sprinkler head. However, this is not always typical of all policies.
#8- Lightning DOES strike twice in the same place- One customer proved the old theory wrong when she told us about lightening striking her property in the same place twice within 6 months! “We had just installed an invisible electronic fence and the lightening must have been attracted to it! It struck our property two times in the same place blowing up the power unit on the fence both times!”
Lesson learned: Lightening is considered a covered peril under a standard home insurance policy.
#9- Anger Management Issues- One of our customers purchased a home that was in foreclosure and got ready to move in. Before he could do so, the previous owners of the home, still angry about the fact that the bank foreclosed on their house, burned the entire thing down!
Lesson learned: A standard home insurance policy will cover damages caused by fire.
#10- Tombstone Insurance? “Is damage to my tombstone covered under my homeowners insurance”? The answer is actually surprising…
Lesson learned: Many standard home insurance policies do in fact provide coverage to damages caused to tombstones. However it’s best to ask your insurance agent about the specific on your policy for this one. My question is- who’s filing the claim??
Stay tuned for more crazy insurance claim stories!
