agent didn't follow my instructions

[dinomo]

What is the name of your state? NV.When I changed my Homeowners policy to a landl;ord policy I asked the agent to cover theft vandalisim and fire.After evicting A dead beat tenant I found out 24 hours later that the the house had been vandalised. and then the claim adjuster tells me I don't have the theft and vadalisium endorsments. I canot dispute it becouise I don't have a copy of the policy ,It was never sent to me.and I found out the agent who wrote my policy doesn't work there any more and I can't gat in touich with him.?Angry in nevada.I wish I new the law regarding these matters.

 

[seniorjudge]

The insurance carrier must go by what is in writing.

If you don't have that coverage, then you don't have that coverage.

BUT I think you need to do some serious negotiating with those people!

 

[moburkes]

What is the name of your state? NV.When I changed my Homeowners policy to a landl;ord policy I asked the agent to cover theft vandalisim and fire.After evicting A dead beat tenant I found out 24 hours later that the the house had been vandalised. and then the claim adjuster tells me I don't have the theft and vadalisium endorsments. I canot dispute it becouise I don't have a copy of the policy ,It was never sent to me.and I found out the agent who wrote my policy doesn't work there any more and I can't gat in touich with him.?Angry in nevada.I wish I new the law regarding these matters.

LL policies don't cover this. You are responsible for making sure that you get a copy of your policy. Instead of asking for a cheap LL policy (DP), you should have purchased the mre expensive business owners policy.

 

[tammy8]

You should have read your policy to make sure these endorsements were included on the landlord's policy, especially if you asked for them. I find 99.999999999% of people have no clue about these coverages unless they have had a prior claim.