On Mon, 18 Aug 2008 18:30:48 -0400, "J. Clarke"
wrote:

Frank Boettcher wrote:
On Mon, 18 Aug 2008 14:05:27 -0400, "J. Clarke"
wrote:

dpb wrote:
J. Clarke wrote:
...
So call around until you find an insurance lawyer and ask.

Be _far_ better if you'd verify your facts before posting fud...


It amazes me that people get angry at being told that if they
ignore
the law they can get in trouble.

--

I'm not seeing anyone getting angry. I'm seeing individuals asking
for a reference to back up a statement. I've heard the same
statement
a number of times, have asked for a reference myself and have never
been offered one or ever seen a case that backs up the statement.

It seems to be a popular troll for scaring people into thinking
insurance, warranties, etc. are not going to protect them.

No, it's for scaring people into dotting their "i"s and crossing their
"t"s so that if something does go wrong their asses are covered. What
objection do you have to doing this? Is the 25 bucks or whatever for
a permit going to mean the difference between survival and starvation
for you? Did a building inspector rape your cat?

So I guess you made up your statement about the insurance being
invalidated in the spirt of protecting us from our foolishness.
That's the question that was presented to you. I (we) simply want to
know if you can quote reference or case for that statement. Can you?

Had a plumbing failure that caused a great deal of water damage
several houses ago. There was no way to ascertain whether the
failed
plumbing was original or add on and whether if add on, was covered
by
permit and inspected.

If permits are required for "new work" and it wasn't on the original
approved plan then it's not covered.

Insurance adjuster never mentioned it, just
processed the claim. As was the case the repair to the plumbing
($50), was not covered, but the damage, several thousand, was.

An anecdotal sample of one.

Now suppose the damage had been several hundred thousand? Do you think
that they might have scrutinized the situation a bit more carefully?

Sure, but not deny the claim on the basis of a building permit or
inspection. Please quote case or reference.

Insurance companies are about profit, just like any other business.
It costs more on a small claim to contest the claim than it does to
pay it, even if the claim might be slightly questionable. If it's a
big claim and might be the result of something that the insurance
company is not required to cover then they may very well choose to
contest it.

--