“The shootout is considered an intentional act, Farmers spokesman Mark Toohey said, and claims resulting from such acts are not covered by most homeowners’ insurance policies. Criminal acts can be considered intentional acts, Toohey added.” And this is one of the reasons why I am always amazed.
“And this is one of the reasons why I am always amazed.”
What amazes me is the propensity to try to sue, even when YOU have initiated a shootout with local police, you still try to sue to collect damages… My GOD people get a clue…
And we wonder why are system is so upside down! An A Hole kills a police officer during a shooting he none the less created and he wants to be compensated! Amazing is all I can say. Hopefully if and when they sell his house the monies will go to the police officers family. When will people ever learn to take responsibility for their own actions! Good riddance to him, let his ass Rot in jail where he belongs.
why doesn’t the standard HO exclusion for “loss caused by the confiscation, destruction, or seizure of property covered un Coverage A, B, or C by order of civil authority” apply? I have seen that applied several times to exclude this exact scenario.
…because the damaged not covered was caused by the insured’s intentional act of firing bullets into a person. The article makes it seem like the carrier already covered the damage “caused by the confiscation, destruction or seizure of property”, but is refusing to cover the damage caused by their policyholder killing a dude in the process of the confiscation/destruction/seizure
yes, if they paid anything at all, they were probably taking a very liberal interpretation. I hope the company doesn’t get roped into paying even more because of having done so. It’s been a long time – is the right term waiver and estoppel?
Just like Farmers to pay for somethign like this after they nickle and dime down legit claims for law abiding people. Back in my captive days, I had a client open fire through his door at trick or treators. Farmers would not get off the auto as the incident had nothing to do with his car. He had no renters.
I fear that they have opend the check book and will be forced to do so again by our mixed up court system.
What about the fact that the police entered his home doing a drug raid? The guy was breaking the law which makes him responsible. What about the lives he has damaged with his drug business? Insurance should not have paid any of the damages. Let’s give the country back to hard working law-abiding citizens.
Also, damage to personal property by bullets or projectiles is not a named peril under the policy.”
Aren’t the bullets damage caused an Explosion (an explosion is what sends the bullet forward) which is a named peril in most homeowners policies.
Shame on Farmers Ins. for paying a “dime”` This was an intentional act on the part of the insured and a comission of a felon. Farmers made a payment now they have opened the door.
Typical move by a jail-bird to cost the public more via litigation. Maybe Emily Swenson would like to reimburse the city the cost of this frivolous law suit! She could always turn in her license to practice law in payment.
“The shootout is considered an intentional act, Farmers spokesman Mark Toohey said, and claims resulting from such acts are not covered by most homeowners’ insurance policies. Criminal acts can be considered intentional acts, Toohey added.” And this is one of the reasons why I am always amazed.
It will be interesting to follow that case……………hope IJ does.
“And this is one of the reasons why I am always amazed.”
What amazes me is the propensity to try to sue, even when YOU have initiated a shootout with local police, you still try to sue to collect damages… My GOD people get a clue…
Exacty my point. Not only initiated a shootout but killed one of the officers. And now he wants to sue his insuance company! Insanity.
It was an intentional act. Don’t see the problem here.
One could argue that the intent was to put holes in people, not the house.
I’m surprised that they even paid for the damage to the building from the bullets and forcible entry!
It’s like: “I have some damage to my property that needs to be taken care of. Oh, and by the way, I killed a guy.”
I remember a young lady called me to report a glass loss on her car. When I asked her how it happened she told me a pedestrian went through it.
I’ll bet the scumbag’s cell at Weber County jail is better than the craphoole he used to live in. Cop killer??? Adios the SOB!
And we wonder why are system is so upside down! An A Hole kills a police officer during a shooting he none the less created and he wants to be compensated! Amazing is all I can say. Hopefully if and when they sell his house the monies will go to the police officers family. When will people ever learn to take responsibility for their own actions! Good riddance to him, let his ass Rot in jail where he belongs.
The police had no business raiding his home in the first place.
Say, what?!?! Are you one of those weirdies that thinks the police should mine their own business!
I think you need to reverse your initials…
why doesn’t the standard HO exclusion for “loss caused by the confiscation, destruction, or seizure of property covered un Coverage A, B, or C by order of civil authority” apply? I have seen that applied several times to exclude this exact scenario.
…because the damaged not covered was caused by the insured’s intentional act of firing bullets into a person. The article makes it seem like the carrier already covered the damage “caused by the confiscation, destruction or seizure of property”, but is refusing to cover the damage caused by their policyholder killing a dude in the process of the confiscation/destruction/seizure
yes, if they paid anything at all, they were probably taking a very liberal interpretation. I hope the company doesn’t get roped into paying even more because of having done so. It’s been a long time – is the right term waiver and estoppel?
I’m just surprised he had insurance.
Unfortunately, he forgot to add the Drug Dealer’s Endorsement.
Looks like LoopHole Mutual is taking a shakey coverage position here.
Just like Farmers to pay for somethign like this after they nickle and dime down legit claims for law abiding people. Back in my captive days, I had a client open fire through his door at trick or treators. Farmers would not get off the auto as the incident had nothing to do with his car. He had no renters.
I fear that they have opend the check book and will be forced to do so again by our mixed up court system.
They need to make a “bombing run” to the eastern Atlantic and use him as a bomb. I believe mysterious disappearance is excluded, right?
What about the fact that the police entered his home doing a drug raid? The guy was breaking the law which makes him responsible. What about the lives he has damaged with his drug business? Insurance should not have paid any of the damages. Let’s give the country back to hard working law-abiding citizens.
Also, damage to personal property by bullets or projectiles is not a named peril under the policy.”
Aren’t the bullets damage caused an Explosion (an explosion is what sends the bullet forward) which is a named peril in most homeowners policies.
Shame on Farmers Ins. for paying a “dime”` This was an intentional act on the part of the insured and a comission of a felon. Farmers made a payment now they have opened the door.
Typical move by a jail-bird to cost the public more via litigation. Maybe Emily Swenson would like to reimburse the city the cost of this frivolous law suit! She could always turn in her license to practice law in payment.