I have Allstate insurance and have asked them a couple of times, with two people giving me different answers.
I own a rental property out of state. I have a landlord policy for the property. Last night there was a fire caused by one of the kids playing with a lighter. The fire department declared the house uninhabitable and gave them a voucher to stay at a hotel for 3 days.
My tenant called me today explaining her son was playing with a lighter, started the mattress on fire, and he tried to put it out. He couldn’t so he went to get his mom, she tried to put it out but it was past that point so they left the house and called the fire department.
They are section 8 tenants and I just had my annual inspection in July 2010. It passed without any major issues. Section 8 called me today stating they have to cancel the contract due to the house not being liveable.
What are the chances my insurance will cover the damage? I know each policy is different, but I would think fire under any circumstance is covered.