two questions about coverage

[abagailadams]

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

I have two questions about my current policy.. and I wanted to get a general feel before I call up my company and ask, they are small town and I personally know people there and don't want to come across badly.

My friend is about 20 years older than me and recently lost her home to foreclosure. She is staying with me until she can save enough to rent her own place. She bought a bucket of chicken and shut herself in her bedroom to eat. My dog smelled the smell and scratched under her door, causing a small throw-rug she had there to bunch. I noticed it and she also mentioned it. Later in the day I heard a sound and found she had fell (for the second time since moving in) and had tripped over the rug at her bedroom door, the rug that was bunched by my dog 5-6 hours earlier. I took her to the hospital after she complained with her arm and it was indeed broken. On the way home, maybe due to the morphine, she made a little joke, she said "lets sue your home owners and go on a cruise". I didn't laugh. Can she? Should she? She has insurance, she is disabled and has medicaid. Any advice?

And my second question.. My home is falling apart just 10 years after it was built. My porches are falling apart, my floor has sink spots and they are really bad in my bathroom (water damage + carpeted bath?). I fear a hole will surface anyday now.. The whole house needs to be re-floored. I can't figure why its falling apart, but I do live at the bottom of a mountain, I get a lot of "wash", water coming off the mountain, through my yard.. I wonder if that could have injured the foundation? Also, does homeowners even cover such things?

This is my first property and I am on disability. I don't really know what to do, who to ask, etc. I can't get around well enough to do the repairs myself.. Any advice is greatly appreciated. Thanks.

[b.momma]

[quote]

Originally Posted by abagailadams

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

I have two questions about my current policy.. and I wanted to get a general feel before I call up my company and ask, they are small town and I personally know people there and don't want to come across badly.

My friend is about 20 years older than me and recently lost her home to foreclosure. She is staying with me until she can save enough to rent her own place. She bought a bucket of chicken and shut herself in her bedroom to eat. My dog smelled the smell and scratched under her door, causing a small throw-rug she had there to bunch. I noticed it and she also mentioned it. Later in the day I heard a sound and found she had fell (for the second time since moving in) and had tripped over the rug at her bedroom door, the rug that was bunched by my dog 5-6 hours earlier. I took her to the hospital after she complained with her arm and it was indeed broken. On the way home, maybe due to the morphine, she made a little joke,

she said "lets sue your home owners and go on a cruise". I didn't laugh. Can she? Should she? She has insurance, she is disabled and has medicaid. Any advice?

She can if she wanted to, but I think the policy will only cover the medical bills, she is'nt entitled to anything more. I mean she lives there so that throes a stick into her plan.

And my second question.. My home is falling apart just 10 years after it was built. My porches are falling apart, my floor has sink spots and they are really bad in my bathroom (water damage + carpeted bath?). I fear a hole will surface anyday now.. The whole house needs to be re-floored. I can't figure why its falling apart, but I do live at the bottom of a mountain, I get a lot of "wash", water coming off the mountain, through my yard.. I wonder if that could have injured the foundation?

Also, does homeowners even cover such things?

all of that is maintenence and no, its not covered.

This is my first property and I am on disability. I don't really know what to do, who to ask, etc. I can't get around well enough to do the repairs myself.. Any advice is greatly appreciated. Thanks.

if you cant do the repairs, you cant do them, I suggest you do not enter a claim, as that is a reason for them to look over your property, and from what you described your homes condition to be in they could verry well drop you.

good luck.

[ecmst12]

She can't sue your insurance company, she'd have to sue YOU. Do you think she'd do that? And then she'd have to prove you were negligent, which it doesn't sound like you were. Your "medical payments to others" coverage may cover her bills, but if she has Medicaid then she shouldn't have any out of pocket expenses anyway.

As for the other stuff, you should read your policy to be sure but I agree it sounds like wear and tear damage, which would normally not be covered.

[abagailadams]

thank you both very much for your quick replies..