Wife destroyed home. Will homeowners insurance pay?

[filup10]

What is the name of your state (only U.S. law)? TN
My wife and I are divorcing. While I was undergoing heart surgery she took out an order of protection so I could not return home. It was 6 weeks until I was healthy enough to go to court and have the order lifted. when I returned home I found that she and her friends had removed or destroyed everything I own. Clothes, furniture, electronics, art, tools, books, music, everything.
In addition she vandalized the house itself to the tune of an estimated $25,000.
We had only been married a year and she was not on the deed, the insurance policy or the mortgage.
She denies everything.
Am I covered? My home is unlivable. My losses exceed the $150,000 policy limits.

 

[st-kitts]

1.) Did you (or she) file a police report when you found the home vandalized?
2.) While you STBX is the most likely suspect, how do you KNOW it was her that damaged the homes?

 

[OHRoadwarrior]

Likely, your insurance will not cover it. I suggest you check your insurance policy exclusions.

 

[filup10]

Still in process

I did file a police report. At first they were very unhelpful. But now are they telling me they want to prosecute her. I did not of course see her take the property. But she was living in the house the whole time I was hospitalized. she was there when I finally returned home. She had all of her personal possessions in one room of the house. The insurance company has not denied my claim because I have not finished it. It is taking a lot of time and research to remember everything I have accumulated in 65 years

 

[filup10]

Losing house

Quite probably I will have to let the house go back to the bank. I cannot afford to make the necessary repairs. I plan on retiring i a few months because of my health. I do not have the money to fix it.

 

[moburkes]

I doubt it as well. Intentional acts are not covered by insurance.

 

[ecmst12]

Vandalism would be covered by insurance, but not usually if committed by a resident. Especially a FAMILY MEMBER resident.

 

[joyee]

Well if you have police file then i cant realize where the problem occurs exactly. can you please explain the problem again if you don't mind

 

[HomeGuru]

Well if you have police file then i cant realize where the problem occurs exactly. can you please explain the problem again if you don't mind

**A: Huh? You don't make any sense. If you don't mind, can you please make sense?

 

[Antigone*]

**A: Huh? You don't make any sense. If you don't mind, can you please make sense?

Better yet, go play somewhere else.