Recent content by Joz II

Short update: Info coming in slow. I got a letter from Shelters lawyer stating that they are providing an attorney to defend us but will not cover any payout. And they could, but not for sure, cancel the lawyer for some sort of reasons in the future. I did call an insurance lawyer and...

I'm not sure. The denial letter states: "...we will be unable to pay for the loss related to this claim". So, maybe they will defend me and that's it.

Been out of town all week and just saw your post. Yes, our insurance company did assign a lawyer to our case, and I've talked to him a little bit. He was somewhat non-committal on. outcome. He said, we probably won't have to go to TN to appear in court. I did call a couple lawyers in TN but no...

I'm sure I didn't let anything expire. We get a bill, every year on each house. I pay it on time, every year. And the premium goes up a little every year. Liability seems to have just gone away with no explanation. My agent could not explain what happened. At least, we have a lawyer for the...

I've been searching through all the documents on the shelter website. I'm starting to figure out small bits. 43 was our very first house which originally had liability. The lawsuit house is 14. From 5/2/19 to 8/22/19 all 5 houses had liability (Doc. #1). Not including the lawsuit house. That...

Right. I created an account and I see all my docs. They only go back to 2018 (first house purchased in 2017). But, I think I figured it out. It appears I had liability insurance, then in Aug 2018, they cancelled my insurance on the first house because Shelter found a pool in the backyard. The...

I waited till end of day, yesterday. No reply so I called, left message, then texted. Then, I started getting emails with policies attached, one at a time, late yesterday. The important one, (from our first house) which may show the liability was from a previous agent, so I have to reach out to...

I emailed my agent this morning and waiting for reply. I copied and pasted your sentence to be exact. If I don't hear back soon, I'll follow up with a phone call. I like email because it documents my communication, date time and what's said. People forget what they say in a phone call and can...

It's a single family house. Not exactly sure where it happened but the teenager's basketball rolled into the bushes (assuming it was our yard) and the dog broke loose and bit him. It happened last June or July. They had two different dates that it happened. Our response is due in 30 days, and...

OK, I pulled out all my files on all 6 houses we have. The house with the claim is the most recent purchase so does not show on the first (almost 26 page) document I posted. For the house with the claim, I only have Renewal Notice policy documents that's about 5 or 6 pages total. I file every...

...and website screens shots

We have rental properties in TN. and one tenant, without permission and in violation of the lease agreement, has a dog that bit a teenager. The short version is that my homeowner's insurance co. says that they won't pay any damages (if we were found liable) because we are not covered for...