Failure to Maintain Heat / Claim / Power Outage

Jan 19, 2016

  1. insurance1822
    Offline

    insurance1822 Guru

    Posts:
    1,635
    Likes Received:
    22
    State:
    Alabama
    So what if an insured has a property that loses power. As a result, they can't run heat. Then, pipes burst.

    Typically, the insured must maintain heat. But if the power went out, then what happens to that responsibility?

    I mean a guy with 30 rentals cant buy 30 generators? So would a carrier deny a claim for burst pipes? I meen without power...how could they maintain heat?
     
  2. GXR2
    Offline

    GXR2 Super Genius

    Posts:
    153
    Likes Received:
    0
    What is the cause of power loss?
     
    GXR2, Jan 19, 2016
    #2
  3. djs
    Offline

    djs Super Moderator Moderator

    Posts:
    6,679
    Likes Received:
    74
    State:
    California
    If the loss of power was through no fault of the landlord (i.e., he didn't pay the bill) then there is no breach of the policy. The cause of the loss is actually loss of power rather then busted pipes. You have to go by what caused the loss, not what the loss was.

    Basically, its the same as:
    Leaky roof because of windstorm: covered
    Leaky roof because of poor maintenance: good luck

    As long as he normally had heat, then there shouldn't be a problem, except that I wonder how long power was out that caused a problem like this.

    Dan
     
    djs, Jan 20, 2016
    #3
Loading...