Posted on 08/06/2015 7:20:13 AM PDT by dware
I agree...but I will bet the woman they accused of burning their house down will sue for defamation...etc. Plus it is a crime to falsely accuse someone of committing a crime, although they will probably like prison with all the other bulldykes.
Every policy we have ever had pays only for the replacement of the dwelling. IOW, no replacement, no checky.
Does Google News have the “shameless lesbian couple” article?
I was an underwriter for fifteen years, and have been in charge of all claims at my company for the past twelve.
It strikes me that you may be conflating a requirement of your leinholder as policy language.
Believe what you wish, but you are mistaken.
That would certainly make sense. If there is still a mortgage on the property, the lender would want to be first to benefit from the coverage, and would require coverage to be written that way in order to provide the loan.
But if you own the property outright, then you have more options open.
Not true. An insured has a contractual relationship with the insurance company to pay them for damages. The homeowner can choose to hire a contractor, or not. If they don’t, they must prove they actually completed the repairs before they get the replacement cost of repairs rather than actual cash value.
It pays to contractors to replace or repair the home.
Maybe they just wanted a new house, and couldn’t affford repairs...or maybe they’re just stupid...
I don't use my insurance much, nor do I read the details in the declarations pages. I just know what I've said because a lady across the street from me had her house burn down. She wanted to take the settlement and move somewhere else. She couldn't until the house got rebuilt. Then she could sell it, take the proceeds, and use that to buy a new house elsewhere.
I used to be in the insurance rstoration business.
Home owners who set their own property on fire always get exposed. They may thnk they have a perfect plan, but insurance company fraud investigators know all the “tricks” property owners try.
The number one clue is the absence of personal items that have sentimental value that cannot be replaced regardless of the cost. Burn patterns and the use of accelerants can also be obvious clues.
Insurance fraud investigators and arson experts have seen it all.
Every insurance policy you have ever seen has a stated limit. That limit is expressed in dollars, not board feet or gallons of paint.
Insurance companies are not in the house building business. They truly do not care what you do with the money.
“And then someone came who REALLY burned their house down, but nobody believed them. And that’s the story of The Lesbos That Cried ‘Wolf’”.
“Tell me another story, Mommy.”
“How about Gunnery Sergeant Goldilocks and the Three Terrorists?”
“My favorite!”
I did that for a while - only focused on Worker's Comp cases. Somewhere around 80-85% of the cases I worked were questionable at best, outright fraudulent at worst.
This is so common.
First article when you search lesbian arson is Tennessee lesbian couple faked hate crime and destroyed own home with arson for insurance claim, jury rules
My policy covers the replacement cost of the dwelling, a separate amount (more than enough) to replace contents of the dwelling, and any out-buildings (sheds, separate garage, etc...) caught up in the damage to the original dwelling. It costs me less than $50/month.
It is profitable.
Most people couldn't give a hoot about what you do in the bedroom or the color of your skin or what church you attend.
There are exceptions but it usually means that you have gone out of your way to push their buttons.
But that also means that "victims" are given a great deal of publicity, cash and maybe a book deal.
I did a little checking with my agent and it’s because I have that type of policy coverage. According to him that is.
OK, good catch. I missed that.
They never look like the women in the videos. I guess if they were good looking they'd have boyfriends.
Good thing they were not inside, could have been a heckuva grease fire!
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