My Mother died in her home due to fire. How can we find out if she has homeowners insurance?

  • by diana
  • Oct 04,2017
  • 27 answers

My Mother did not make it out in time and died as a result of a fire that burned down her house and totaled her car. Because everything burnt up we have not been able to find her homeowners policy. She had car insurance, life insurance, CD s, several bank accounts and stock but we have not found a will or house insurance? We had her mail forwarded and we were hoping to get something but havent yet. We are almost sure she has coverage but are at a loss as how to find out who she has coverage with.


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Insurance Answers (27)

Continue 2 months ago

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ron h 2 months ago

There's a good chance that her HO was with the same co as her car insurance. If there was a mortgage, call the mortgage co for help. If no mortgage, look for checks she wrote in the past year.

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Light Michaels 2 months ago

Firstly visit the bank and show proof of her death, and you being her child. If the bank refuses to inform you, hire a lawyer.

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Bella 2 months ago

Your mother died and you're worried worried about insurance, okay.

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Lisa 2 months ago

I'm so sorry for your loss. A good place to start would be at your county court house. If she did have a Will with important information, usually the attorney who wrote the Will, files it in the Probate Court when it's written. You will need to file with probate court regardless of whether or not she had a Will, in order to obtain death certificates and become the "Executor" of her estate. Even though you're getting her mail or you get access to her bank records, that is just going to get you a company name. However, the banks, insurance companies, mortgage companies are not going to just give you that information until you have the authority to handle her final affairs which is done through the Probate Court. Again, I am so sorry for your loss

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Tad Dubious 2 months ago

Diana, if your state is like mine, it has a Division of Insurance. Not the same circumstance, but when my Mom passed they were VERY helpful.

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lea 2 months ago

I'm so sorry

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lucy 2 months ago

When you lose a spouse, a child or a parent, it can be devastating, and usually the last thing you think about is money, but have to deal with a funeral, and then deal with the personal effects and memories of losing someone you love.
http://www.lexisnexis.com/risk/products/...
No, there is no database out there to find out if your mom had homeowners insurance. But, there might be, if your mother had filed a claim in the last 5 years. But after 5 years then they purge the records.
You state she had no mortgage, so it is possible she may not have homeowners insurance, since with a mortgage, must have. Do you know when the house was paid off, and if you do and can find the name of the mortgage company, then odds are that your mother may have kept the same insurance, she had while paying off the mortgage. You have called her auto insurance/agent and they have confirmed no HO insurance with them, since many people will insure with the same company to get a multi policy discount. Since your mom had life insurance, then it is possible that the life insurance agent, could also sell homeowners and auto?
You will probably need to go back at least 2 years on her bank accounts to see if you can find any payments to an insurance company. The same could apply to any credit cards she had, since many times people may pay their insurance with a credit card.
Odds are, you may never find a will, since (until) someone dies, then the will is entered into probate. But until then, most people keep a copy to themselves, plus the lawyer and (maybe) the witness that signed. If no safe deposit at the bank, and since house burned, then (unless) you know of a lawyer your mother (may) have hired, then you could call that lawyer to see if she did a will. But many people do not do wills, so she may have never had one done.

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poe 2 months ago

The debt on the home (mortgage) is the first debt due from the estate so it is important to check with the bank or her insurance company.

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Jeancommunicates 2 months ago

If she had a mortgage, then mortgage company will know. Normally for discount purposes the car and home are with the same insurance company. Her friends may have heard her mention her insurance company or just start calling the big name insurance companies.

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B 2 months ago

contact the insurance companies she DID have and ask them if she also had a homeowners policy; also, look in her check book registers to see if she made note of annual payments for homeowners policy, many people have those policies

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H. Marie 2 months ago

you might get copies of her bank statements and cancelled checks to see if she made payments to an insurance company, more than likely at least once a year, or could have been every month, that's a start

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Eva 2 months ago

Did she have a mortgage? The mortgage company would know who the homeowner's policy was with. Check with the insurance company that had her car insurance. People often use the same company for their homeowner's. If you have a lawyer that the family uses, check with them regarding the existence of a will. Check with her bank to see if she had a safe deposit box. It might be in there.

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Donald B 2 months ago

Most people get their insurance from the same place. If she had homeowners insurance it would probably be with the same company as the car insurance.

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sharmista 2 months ago

Look at her known insurance companies see if you can get bank statements to see who she have been paying and maybe it would show on there

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Casey Y 2 months ago

Gain access to her bank account and see who she has paid in the past year...I bet there are a couple of payments to insurance companies...
Sorry for your loss.

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Insurance Pickle.com 2 months ago

Look at the mortgage statements/call mortgage company. Might have been paying for it from escrow which would be noted there. Sorry for your loss.

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Amy 2 months ago

Consult a good lawyer

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Johnny Drama Machine 2 months ago

Are you planning this?

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angel 2 months ago

take a good lawyer

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