Legal Question in Insurance Law in Illinois
There was a house fire to my house on May 27th 2011. I had a friend who never lived with me but had an insurance policy for $20,000 and put in a claim on my property. Her insurance was paid a week after the fire happened. My family suffered greatly losing everything they we ever owned, while she didn't have a pair of pants in my home and was the last one in the home. My insurance company is still investigating my claim and has not paid out anything but $1,000 two weeks after the fire on my claim. We are still in a hotel and will have to replace everything we ever owned. We lost memories as well which is really devastating all because someone's negligence. Her insurance company never contacted me nor did they contact the owner to even prove that this young lady ever lived there. I had a lease and a water bill to get my insurance, what did she have? What I want to know is can I go after her insurance company for paying out a claim that was not supposed to be paid out and is the cause of the delay in my families claim because they see that a claim has already been made since she stated everything in the house was hers. Can someone help me on what to do because this is very stressful on my family? Thank you.
1 Answer from Attorneys
If someone made a claim for property that was not damaged based on a loss they did not sustain then that is fraud on her insurer. I am not clear why that would affect your claim with your insurer, assuming they are two different insurers. If you are the named insured on your policy then someone else cannot make a claim under your policy without your consent.
If you wish to discuss this further, please email me at [email protected]
Law office of Steven B. Pollack
www.FireClaimLaw.com
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