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re: Homeowners Insurance, accidental death in home

Posted on 5/29/25 at 10:19 pm to
Posted by SallysHuman
Lady Palmetto Bug
Member since Jan 2025
14984 posts
Posted on 5/29/25 at 10:19 pm to
quote:

lgtiger


If you don't care... just let the authorities plant her in their potter's field.

That $200 belongs to the CC companies, so don't count that towards her final disposition costs.

Does the deceased have any children or loved ones she hasn't managed to alienate?
Posted by lgtiger
LA
Member since May 2005
1456 posts
Posted on 5/29/25 at 10:25 pm to
quote:

Does the deceased have any children or loved ones she hasn't managed to alienate?


no
Posted by SallysHuman
Lady Palmetto Bug
Member since Jan 2025
14984 posts
Posted on 5/29/25 at 10:29 pm to
quote:

Does the deceased have any children or loved ones she hasn't managed to alienate? no


Well... if you're the only one to handle it and you don't give a hoot.. walk away. She's not your mother, wife or daughter so I doubt you'd be under an absolute obligation to handle it. I'm no lawyer though... but if your conscience allows you, just walk away. Might regret it later, but maybe not.
Posted by JperiodCperiod
Member since Aug 2022
77 posts
Posted on 5/29/25 at 10:53 pm to
quote:

Details Dead beat daughter sponging off her mother for 20 yrs fell, hit head on table and died 2 mo after mother. Was trying to see if any hope of a few $ to pay for cremation. Only $200 in her bank. $40000+ on credit cards, not worried about credit card companies getting paid


Sorry you have to go through that. I’ve given a lot of thought lately to our (mankind’s) capacity for greatness and our seemingly equal capacity for depravity. At the end of the day, she has to lie in the bed she made. You can only do what you can do.

Best wishes to you. May the mother and daughter rest in peace.
Posted by Mung
Ba’on Rooj
Member since Aug 2007
9170 posts
Posted on 5/30/25 at 3:19 am to
Under that hypo, no payment from Homeowners policy. Seale cremated my stepfather for $1100. Seemed reasonable compared to the $5000 that Resthaven wanted for my mother.
Posted by TDsngumbo
Member since Oct 2011
49222 posts
Posted on 5/30/25 at 6:41 am to
You’re right, but I interpreted the OP as if this is an outside family member temporarily renting a room inside the home. After reading it again, I think I interpret it the way you do now.
This post was edited on 5/30/25 at 6:42 am
Posted by The Torch
DFW The Dub
Member since Aug 2014
27912 posts
Posted on 5/30/25 at 6:51 am to
quote:

If a family member (residing in that home) falls and passes away


You been watching Dateline again Baw
Posted by Rex Feral
Member since Jan 2014
16033 posts
Posted on 5/30/25 at 6:58 am to
Just make sure they stop bleeding out before you call 911
Posted by LemmyLives
Texas
Member since Mar 2019
13571 posts
Posted on 5/30/25 at 7:19 am to
quote:

hope of a few $ to pay for cremation


You have a savings account, don't you? If it's that important for you to not have the county coroner "handle" what happens at the end, use your money. If it's not that important, donate the body to a research center.
Posted by Tiger Ryno
#WoF
Member since Feb 2007
107560 posts
Posted on 5/30/25 at 7:27 am to
Was alcohol involved?
Posted by lgtiger
LA
Member since May 2005
1456 posts
Posted on 5/30/25 at 8:02 pm to
quote:

Was alcohol involved?


Don't know, she was home alone and found several hours after. Never saw the med report


quote:

You have a savings account, don't you?


Altready paid for it. She sponged off mother who I financially backed for years. I guess that small sum was just a burr under my saddle pad

This post was edited on 5/30/25 at 8:06 pm
Posted by TBoy
Kalamazoo
Member since Dec 2007
27584 posts
Posted on 5/30/25 at 8:27 pm to
quote:

Sibling was living in mother’s home, fell and hit head on table, brain bleed.

No liability
Posted by nealnan8
Atlanta
Member since Oct 2016
3991 posts
Posted on 5/31/25 at 6:57 am to
It's common for a homeowners policy to include $1 million in liability coverage. There is also a small amount for medical payments to others, which could be between $5K-50K. If a person who was injured on your property received medical care before he died, then a claim would be made against this amount.
Posted by Tiger in the Sticks
Back in the Boot
Member since Jan 2007
1744 posts
Posted on 5/31/25 at 8:56 am to
No; it’s no different than being at fault in an auto accident and making a liability claim against yourself.
Posted by AndyJ
Member since Jul 2008
3452 posts
Posted on 5/31/25 at 9:22 am to
Man, thanks for update. Good luck
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