Injured and need help

[toddgeist]

What is the name of your state (only U.S. law)? Florida

My brother recently passed away and while cleaning his property his dog attacked me and I was hospitalized for a week. We have not found any insurance paperwork so far and I would like to know if there is a way to check if the property was insured. It would take a huge financial burden off of my family if he was since I am unemployed and have no insurance

[Country Living]

Is there a mortgage on the house?

[toddgeist]

No the property is paid for. We can find paperwork for up to 08 but nothing for 09. just a few quotes but no policy information. I know there is a database to check insurance for motor vehicles and it would seem to reason that there was also one for property.

Any help would be apreciated.

[Banned_Princess]

Just see if the 08 policy renewed, (new dec misplaced in the home or mail or whatever) Maybe he took a new policy with the same company, or maybe he canceled it for another policy with another company, (in which case the old policy may have a cancellation dec stating the new policy)

If it canceled due to non pay, most likely the home is not insured. Houses with no mortgage does not need to carry coverage, so you may be out of luck.

[ecmst12]

The state keeps a database of car insurance because that is required by law. Homeowners insurance isn't required by any law, so there will be no state records. But if there are quotes, you can check with those companies to see if a policy was ever established with any of them.

[Country Living]

Auto liability insurance is required by the state; homeowner's insurance is optional (unless there is a mortgage company and then the mortgage company would require it). Call the old insurance company and call the company who insures the auto to see if he has homeowner's with either one of them.

Don't be surprised if he doesn't have any insurance. He may have decided it wasn't worth the expense.

[moburkes]

Check his bank statements or check book to see if he paid any insurance companies.

[toddgeist]

Thanks for the replies.
We have been doing as all suggested but after many conversations with insurance agents I am a believer that there has to be a database.

The reason is this. If an owner wants to take out 5 policies on 1 property and then that property were to have damage from either a storm or fire there is no way one of the largest price gouging, customer screwing rackets in the history of man would not have a way to protect itself from multiple claims (even from different under writers) on 1 property for the same incident.

When you go to the hospital and you have more than 1 health insurance provider you have a primary and a secondary. The secondary policy isnt billed the full costs of the hospital visit, it takes the remainder of the left over bill after the primary deductions have been subtracted and then you are left with the remaining bill.

[ecmst12]

There's a claims database but not a policy database. Nothing stops someone from taking out multiple policies on the same property, if there's a claim then each policy will pay a percent of the total damage so the owner doesn't get more then his claim is worth.

[moburkes]

Op, then you need to let those agents tell you how to access that database - since they know so much.