What is the name of your state?What is the name of your state? Washington
Several years back my girlfriend and I went into a home purchase deal with her grandfather. It was a home he bought outright for cash and we paid him back monthly as though he were the bank.
Fast forward 4 years, we signed the house over in full to her grandfather in June of 2004 as it was just to much of a money pit(it was an 83 manufactured home) for us to continue keeping it in decent shape.
The homeowners insurance remained in my girlfriends name until october as it was paid THROUGH october of 2004 already. Even though we no longer held any claim on the home, the insurance was still her coverage until then.
In September of 2004 her grandfather filed 2 claims to the insurance company - unbeknownst to either of us - for a fire he had accidently set in the back, and for some water damage that had occured to the subflooring as a result of a burst pipe previously (unrelated incident). The total of the two claims was approximately 11, 000 dollars, both of which were paid out - TO HIM, in his name, without us ever knowing. we have only just now learned of all this because we are once again purchasing a house (a brand new one this time, we learned our lesson) and when she went to get the homeowners insurance she was told that due to some previously filed claims her premiums would likely be substantiall higher than normal.
Once we connected all the dots and learned what happened, I am just floored. we have been attempting to contact the supervisor who would have authorized the check be made out to someone other than the policy holder or the company making the repairs (it has been verified both checks were made out to her grandfather) but she will not return calls and never actually answers the phone. anyone else is giving us nothing but a run around.
how does this happen? how is it even possible for it to have been paid out to him without our knowledge when it was her policy and it was very clearly not her who filed the claim? Most specifically because the impact is on her rating with the homeowners insurance people in general, when she never even filed a claim with them.
We dont take issues to the claims in and of themselves beyond our lack of knowledge in their occurence, Im sure the repairs needed done, and I am sure he paid people to do them, as shortly there after he sold the house himself..but the procedure of what happened here and how it is as a result affecting her standings does not sound right.
thank you for any feedback
Several years back my girlfriend and I went into a home purchase deal with her grandfather. It was a home he bought outright for cash and we paid him back monthly as though he were the bank.
Fast forward 4 years, we signed the house over in full to her grandfather in June of 2004 as it was just to much of a money pit(it was an 83 manufactured home) for us to continue keeping it in decent shape.
The homeowners insurance remained in my girlfriends name until october as it was paid THROUGH october of 2004 already. Even though we no longer held any claim on the home, the insurance was still her coverage until then.
In September of 2004 her grandfather filed 2 claims to the insurance company - unbeknownst to either of us - for a fire he had accidently set in the back, and for some water damage that had occured to the subflooring as a result of a burst pipe previously (unrelated incident). The total of the two claims was approximately 11, 000 dollars, both of which were paid out - TO HIM, in his name, without us ever knowing. we have only just now learned of all this because we are once again purchasing a house (a brand new one this time, we learned our lesson) and when she went to get the homeowners insurance she was told that due to some previously filed claims her premiums would likely be substantiall higher than normal.
Once we connected all the dots and learned what happened, I am just floored. we have been attempting to contact the supervisor who would have authorized the check be made out to someone other than the policy holder or the company making the repairs (it has been verified both checks were made out to her grandfather) but she will not return calls and never actually answers the phone. anyone else is giving us nothing but a run around.
how does this happen? how is it even possible for it to have been paid out to him without our knowledge when it was her policy and it was very clearly not her who filed the claim? Most specifically because the impact is on her rating with the homeowners insurance people in general, when she never even filed a claim with them.
We dont take issues to the claims in and of themselves beyond our lack of knowledge in their occurence, Im sure the repairs needed done, and I am sure he paid people to do them, as shortly there after he sold the house himself..but the procedure of what happened here and how it is as a result affecting her standings does not sound right.
thank you for any feedback