Can homeowners insurance refuse to pay out on claim because my name is not issued in my name?

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UPDATED: Aug 13, 2012

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Written By: Jeffrey JohnsonUPDATED: Aug 13, 2012Fact Checked

Homeowner insurance is a legal contract between the insurance company and the owner of the home. If your mother set up a quit claim deed with you, that means that you are both on the title of the property unless and until your mother files the quit claim deed. If you had a homeowner claim, the insurance company must make the claim check payable to the named insured on the policy. If your mother lives there and is still on title, then the check would be made out to her. The check cannot be made out to you if you are not on the homeowner policy. If you own the home on your own but your mother lives there, you may be able to get the insurance company to pay the claim to her.It is your responsibility to review your insurance at each renewal. If you have an agent they usually will contact you before the renewal and offer to review the policy with you. However, if you have a direct policy with the insurnace company then it is your responsibility to check the policy for accuracy Insurance companies will take a payment for a policy from a person who is not the insured, so the fact that you paid the premium is not relevant to the claim. Try to work this out with the company since your mother is a resident of the household, but if she is not on title, it may not work out.

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

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