Thanks largely to the advice of Kossacks yesterday, my family had a meeting with the Red Cross to talk about our burned out house, our recovery of what's left of our nice, neat, flaming little shit( for any Fight Club fans), and our current situation.
We also met with the claims adjuster today, too. This is what he told us.
Even though my wife (still) is a licensed insurance agent, and even though she wrote our renter's insurance policy (and still has the underwriter's phone number), because we moved out of state (because her office was closed down by corporate), we don't have renter's insurance.
The agent wasn't a dick about it...he just said that because Nationwide didn't rewrite the policy after we moved, we weren't covered. About three minutes after that, he went on to tell us that virtually nothing in our house would be salvageable. Oh, and the house is totally uninhabitable.
Did I mention the guy who owns the house is in Mexico right now?
Or that we don't know when he's getting back?
Y'all, I don't want sympathy, or any more of the very generous (though unnecessary) offers of financial assistance.
I want to know if anyone thinks Nationwide has a legal right to deny us our claim (that we've been paying on...and have had those bills come to our new address).
Anyone out there know insurance law?
Are we fucked over worse than Jenna Jameson in a 100 man gang bang?
Are there any legal couses of action we could take?
Are we at fault because Nationwide didn't cancel, then rewrite the policy?
Just checkin'...
Cheers,
RR