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Recent content by SteveStL

Accident - Bankruptcy - Criminal Law / DUI - Business - Consumer - Employment - Family - Immigration - Real Estate - Tax - Traffic - Wills   Please click a topic or scroll down for more.

  1. S

    What constitutes “insured location”?

    It has been interesting. The fire wiped out a number of people in our bay alone and we have not all had similar experiences with insurance claims. My one insured street car stored there was of course covered though establishing its value ultimately came down to hiring an independent appraiser...
  2. S

    What constitutes “insured location”?

    Regarding the fire, the cause is known, careless acts on the part of a person doing some welding in another bay. Unfortunately he was not insured and most of what assets has were lost. Total damages to the warehouse and businesses in other bay is many millions so it’s not as if I was ever...
  3. S

    What constitutes “insured location”?

    Ahhhh... as the facts are revealed they cut both ways. I missed the key words in the definition section where it stated that the exceptions for what is a motor vehicle were only a liability issue. But similarly, because I hadn’t seen a distinction in the use of “insured location” I was...
  4. S

    What constitutes “insured location”?

    Jack, I eagerly await any additional thoughts you may have, particularly regarding my concern for the word “occasionally”. Are you aware of precedence, legal or common practice, to suggest that continuous occupation of the space is not a problem? My landlord might be willing to say I paid rent...
  5. S

    What constitutes “insured location”?

    The loss in question took place in a large multi-purpose warehouse. The building is divided into “bays” of roughly 20,000 square ft each. I and a number of friends occupied one of those spaces as renters from the actual lessee. Some used it primarily as storage but for many including myself...
  6. S

    What constitutes “insured location”?

    Thanks Jack. My original focus was on 10.h as you pointed out but I kept tripping over “occasionally” and that is not a defined word, leaving it to common usage which may not favor me. So I started leaning more on 10.c and wondering why it even exists if not for something analogous to this...
  7. S

    What constitutes “insured location”?

    You are absolutely correct and that is entirely on me. Arguably, if my assertion holds then in fact I am covered without needlessly throwing away money on duplicate coverage. For example, a storage locker is covered up to the 10% rule yet some people don’t know that. But yes, at an absolute...
  8. S

    What constitutes “insured location”?

    I see you have now edited this but I had already quoted the original. But to your statement “You skipped telling us where until late in the thread.” go back and read my (unedited) first few lines of the original post. I was quite clear in leading with the fact that it is an ho-3 policy.
  9. S

    What constitutes “insured location”?

    I’ve done all of that. My agent despite 30+ years in the business doesn’t discuss such details, that’s for the claims side. He simply suggests filing the loss to see what happens. I prefer to be prepared, particularly having now learned what others were told by their agents and blindly...
  10. S

    What constitutes “insured location”?

    Snippy? So far that seems to describe only you. I’m trying my best to be clear, concise, factual, nothing more. I’m not asking anyone to do legal research. I was merely hoping to attract someone with relevant direct knowledge and experience who would take a moment to share that. Why else...
  11. S

    What constitutes “insured location”?

    Why the attitude? I have a layman’s logical interpretation following a lot of reading and thought. What I’m looking for now is an expert opinion and hopefully reference to legal precedent.
  12. S

    What constitutes “insured location”?

    As stated in my original post, this is a typical ho-3 policy and the language in question in standard/mandated. See above where I followed up with 10 a-c. What exactly is the purpose of this required language (designed to protect the consumer)? Straight to the point, what scenario does it...
  13. S

    What constitutes “insured location”?

    It is owned by a family-owned corporate entity, no relation to me. It is insured for the real property value but not contents, which are the responsibility of the tenant. There is a case to be made against the owner in that by all indications the sprinkler system failed even to activate, but...
  14. S

    What constitutes “insured location”?

    One approach is to read 10 a-c then ask why exactly c was mandated. What scenario necessitates/justifies the wording in c yet does not extend to my situation? Note that both b and c clearly indicate that other premises can in fact be covered without having been explicitly added to the policy...
  15. S

    What constitutes “insured location”?

    No, in fact, it is not, which is why the language in question is mandated by law in such policies. And in the case of the liability aspect of such a policy there is significant legal precedent that coverage extends to remote places perfectly analogous to this. Unfortunately people are...

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