See the full video at https://youtu.be/uneE7c_OLuY  It is axiomatic – a certainty – that most people do not read their insurance policies and do not always use insurance policies to protect themselves properly. State Farm tried to help its insured. It explained to Paul Terrell and Rica Tseng that they needed a rental policy for their rental property and they bought it. They later decided to move into the rental property and changed the policy to a homeowners policy, but they did not move in. Instead, they rented it out but never changed the policy back to a rental policy.
The obvious and obvious mistake resulted in a decision not to cover Paul Terrell et al. v. State Farm General Insurance Company, A152541, Court of Appeal of the State of California First Appellate District Division One (September 26, 2019).
Mr. Terrell and Tseng had rented their San Francisco house to tenants for eight years when the porch collapsed, causing damage to a tenant. When the tenants sued, the plaintiffs sought defense and damages from their insurance provider State Farm General Insurance Company (State Farm). chores or renting out their home. Terrell and Tseng (the "insured") sued State Farm for breach of contract and denial of their faith insurance claim.
The insured owned a property in San Francisco. They moved out and started renting the property in 2003. Eventually, while the tenant was still in the property, the porch area in front of the property's front door collapsed. Mary, who was standing on the porch at the time, fell through a hole and was injured in the fall.
© 2021 – Barry Zalma
Barry Zalma, Esq., CFE, now limits his practice to serving as an insurance consultant specializing in insurance coverage, insurance claims handling, cheating and insurance fraud almost equally for insurers and insurers. He also acts as an arbitrator or mediator for insurance-related disputes. He practiced law in California for more than 44 years as an insurance coverage and claims lawyer and more than 52 years in the insurance business. He is available at http://www.zalma.com and firstname.lastname@example.org.
Mr. Zalma is the first recipient of the first annual Claims Magazine / ACE Legend Award.
For the past 53 years, Barry Zalma has devoted his life to insurance, insurance claims and the need to defeat insurance fraud. He has created the following library of books and other materials to enable insurers and their claims staff to become professional in insurance claims.
Go to the podcast Zalma On Insurance at https://anchor.fm/barry-zalma; Follow Zalma on Twitter at https://twitter.com/bzalma ; Go to Barry Zalma videos on Rumble.com at https://rumble.com/c/c-262921; Go to Barry Zalma on YouTube- https://www.youtube.com/channel/UCysiZklEtxZsSF9DfC0Expg; Go to the library for insurance claims – https://zalma.com/blog/insurance-claims-library/ Read posts from Barry Zalma at https://parler.com/profile/Zalma/ posts ; and Read the last two issues of ZIFL here.