{"id":903006,"date":"2024-07-15T14:37:44","date_gmt":"2024-07-15T20:37:44","guid":{"rendered":"https:\/\/www.myconstructionexpert.com\/blog\/?p=903006"},"modified":"2024-07-15T14:37:46","modified_gmt":"2024-07-15T20:37:46","slug":"insurance-coverage-homeowner-named-as-borrower-in-policy","status":"publish","type":"post","link":"https:\/\/www.myconstructionexpert.com\/blog\/insurance-coverage-homeowner-named-as-borrower-in-policy\/","title":{"rendered":"No Coverage for Homeowner Named as Borrower in Policy but Not as Insured"},"content":{"rendered":"\n<p>Tred R. Eyerly | <a href=\"https:\/\/www.insurancelawhawaii.com\/insurance_law_hawaii\/2024\/06\/no-coverage-for-homeowner-named-as-borrower-but-not-as-insured-under-policy.html\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Insurance Law Hawaii<\/a><\/p>\n\n\n\n<p>&nbsp; &nbsp; The magistrate judge recommended that the homeowner&#8217;s complaint seeking coverage for damage caused by Hurricanes Laura and Delta be denied because the homeowner was only named as the borrower under the policy.&nbsp;LeDay v. Integon Nat&#8217;l Ins. Co., 2024 U,S. Dist. LEXIS 87369 (W.D. La. April 15, 2024).&nbsp;<\/p>\n\n\n\n<p>&nbsp; &nbsp; When the homeowner sought coverage for hurricane damage, it was denied. The homeowner then sued and Integon moved to dismiss. Integon argued it did not issue a policy to the homeowner, but the policy was issued to Midland Mortgage. The pro se homeowner did not respond to the motion.&nbsp;<\/p>\n\n\n\n<p>&nbsp; &nbsp; The homeowner&#8217;s complaint alleged that the policy &#8220;constituted a contract between Plaintiff and Defendant.&#8221; But the policy attached to the complaint only named Midland Mortgage as the named insured. The homeowner was only listed as the borrower by the policy.&nbsp;<\/p>\n\n\n\n<p>\u00a0 \u00a0 In cases finding the borrower was an insued, courts found that the policy constituted a clear intent to benefit the borrower if the loss amount exceeded the mortgage balance. Here, the homeowner had neither alleged in the complaint nor argued in response to Integon&#8217;s motion the existence of a stipulation for third party benefit. Thus, the homeowner had not met the burden to prove she was a third-party beneficiary to the policy. Therefore, the homeowner failed to state a claim for relief.\u00a0<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p><strong>When one of your cases is in need of a construction expert, estimates, insurance appraisal or umpire services in defect or insurance disputes &#8211; please call Advise &amp; Consult, Inc. at 888.684.8305, or email <a href=\"mailto:experts@adviseandconsult.net\">experts@adviseandconsult.net<\/a>.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Tred R. Eyerly | Insurance Law Hawaii &nbsp; &nbsp; The magistrate judge recommended that the homeowner&#8217;s complaint seeking coverage for damage caused by Hurricanes Laura and Delta be denied because the homeowner was only named as the borrower under the policy.&nbsp;LeDay v. Integon Nat&#8217;l Ins. Co., 2024 U,S. Dist. LEXIS 87369 (W.D. La. April 15,&hellip; <a class=\"more-link\" href=\"https:\/\/www.myconstructionexpert.com\/blog\/insurance-coverage-homeowner-named-as-borrower-in-policy\/\">Continue reading <span class=\"screen-reader-text\">No Coverage for Homeowner Named as Borrower in Policy but Not as Insured<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false},"version":2}},"categories":[9914],"tags":[9895,23],"class_list":["post-903006","post","type-post","status-publish","format-standard","hentry","category-insurance-coverage","tag-advise-consult","tag-insurance-coverage","entry"],"jetpack_publicize_connections":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>No Coverage for Homeowner Named as Borrower in Policy but Not as Insured - Advise &amp; 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