Winston-salem, NC asked in Contracts, Estate Planning, Insurance Bad Faith and Probate for North Carolina

Q: Wanting to know if I have a case?

My homeowners insurance refused to pay off my house after my husband passed away because they said it was in a grace period. It didn't get paid for that month but when he passed it was still in a grace period. Called around 7 or 8 times and they kept refusing to honor it.

1 Lawyer Answer
Adam Bull
Adam Bull
  • Asheville, NC
  • Licensed in North Carolina

A: This doesn't sound like a homeowners insurance but maybe life insurance. Ultimately it's a contract issue. If the default was not cured there may not be relief. However if he passed during the grace period, generally the policy should be honored.

Consult an experienced civil litigation attorney to review the policy and determine if you can prevail.

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