Homeowners Insurance

ServiceAward · 2024-11-22T04:37:02+00:00

At some point in the past Mom allowed her homeowner's insurance policy to lapse. We have no idea when this happened, and she can't even begin to give us an idea or why she allowed this to happen. I need to get a policy in place. I attempted to get a quote from Lemonade, but they could not provide a quote since there has been a lapse in coverage. Does anybody have any recommendations on any companies who will cover homes with a lapse in coverage? Also, are there any companies that do not require an internal inspection of the home? I am asking because with mom's dementia, which has worsened over the past year, allowing a stranger into the house is something I cannot do. Ideally I would love to get her away from the house for a day or two so I would not have to look for a company that does external inspections only. But, as much as it saddens me to say, she bounces from an angry, bitter woman, to a lost, confused almost childlike old lady. Fear is common between both personalities. She has recently started breaking down crying because she is losing things so much. She has made mention several times recently that she wishes she would die, and once that she does not have much longer left. I think she knows her memory is going. Her eyes are going, too. I don't know if she has a sense of something beyond those things or if she just thinks she does not have long left. Getting the roof on the house yesterday was a nightmare. I do not want to relive that experience. Next week I will have a new roof on the garage. I need insurance, even if it is just coverage for the new roofs. My biggest fear is having another tree fall through that garage roof.

Homeowners Insurance

November 22, 2024 10:23AM

I'm sorry for all that you're dealing with...and the tough feelings and realities that can go with it.....you might try calling the county the home is located in? Sometimes they have homeowner services and can provide guidance...since it's in their interest to do so, or an insurance broker to see if that person has experience with these situations....they do happen.
....our mom was already dealing with a chronic illness when COVID took her down in January 2021....but amazingly she survived the virus...but she was never the same after that....I moved back home from a couple thousand miles away, to be nearby and all of us together, and we helped her in her last year of life...two days ago was the one year anniversary of her passing...
All I can say from the experience is that having a last year of days to talk and enjoy time together was precious. Peace to you and your mom.

Edited 2 time(s). Last edit at 11/22/2024 10:26AM by BarefootBliss.

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November 22, 2024 06:15PM

Honey -squeezes your hand- you know my thoughts are with you. I would check with the big companies - State Farm, Farmers, Allstate - and see if they can check for prior policies by address or name.

I know you think you aren’t there yet with the POA; I have to disagree because by time you think you’re at that point, her decline will be beyond where she can legally be considered sound enough to sign those documents, and it’ll take going to court for you to become her POA. If she tries to sign POA documents and the notary thinks she’s not fully aware, assuming they’re ethical, they will refuse to notarize.

Just a thought.

If your path dictates you walk through hell, do it as though you own the place. -unknown

Edited 2 time(s). Last edit at 11/23/2024 01:48AM by drdoggie00.

November 23, 2024 01:21AM

We have had 3 insurance companies in our lifetime as homeowners. Liberty Mutual, Geico and now Nationwide. Never had an in home or exterior visit. I do know they will look you up online for stats and pictures. The Nationwide guy emailed us an aerial view of our home to confirm the existence of a pool, deck and shed. Don't know why as it was clearly our address and home. IMO, I would contact a local, reputable insurance agent and relay your current situation.

I hope you seek and receive support from family and friends.

December 30, 2024 09:39AM

I'm so sorry to hear about everything you're dealing with this sounds like such a challenging situation. You're doing an incredible job managing all of this for your mom, especially with the added stress of her health and memory struggles.

For insurance, you might want to try reaching out to independent insurance agents in your area. They often work with multiple companies and might be able to find one willing to cover a home with a lapse in coverage. Companies like State Farm or Allstate might also be worth exploring, as they’re known to sometimes offer policies in these situations. Be upfront about the need to avoid internal inspections they might be able to offer alternatives, like virtual inspections or external assessments only.

You’re absolutely right to want at least minimal coverage, especially with the new roofs. It’s good you’ve already addressed the roof situation since many companies focus heavily on that when underwriting.

I hope you can find a solution soon. If you need to vent or ask for advice, don’t hesitate there are lots of people here who’ve been in similar situations and can offer support. Hang in there you’re doing so much for your mom, and that’s something to be proud of.

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