{"id":905210,"date":"2026-01-05T15:26:20","date_gmt":"2026-01-05T22:26:20","guid":{"rendered":"https:\/\/www.myconstructionexpert.com\/blog\/?p=905210"},"modified":"2026-01-05T15:26:22","modified_gmt":"2026-01-05T22:26:22","slug":"insurance-coverage-denied-residence-premisis-requirement","status":"publish","type":"post","link":"https:\/\/www.myconstructionexpert.com\/blog\/insurance-coverage-denied-residence-premisis-requirement\/","title":{"rendered":"Coverage Denied: Residence Premises Requirement Bars Claim Despite Premiums and Initial Payment"},"content":{"rendered":"\n<p>Kelly Phan | <a href=\"https:\/\/marshalldennehey.com\/index.php\/articles\/coverage-denied-residence-premises-requirement-bars-claim-despite-premiums-and-initial\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Marshall Dennehey<\/a><\/p>\n\n\n\n<p>Two years prior to Evelyn Pitts\u2019 death, she placed her property in a revocable living trust, entered an assisted living facility and then rented her property to tenants. After Evelyn\u2019s passing, her son reported water damage to the property to Universal Property &amp; Casualty Insurance Company. Universal initially extended coverage for emergency water mitigation services, but upon finding out that the insured did not live at the property as required by the policy, they denied any further <a href=\"https:\/\/www.myconstructionexpert.com\/blog\/tag\/insurance-coverage\/\">coverage<\/a> under the policy.\u00a0<\/p>\n\n\n\n<p>It was undisputed that the insured did not live at the property, but the insured\u2019s attorney argued that Universal\u2019s policy was ambiguous as the property was not identified as the \u201cresidence premises\u201d in the declarations page. That argument failed as the property was clearly identified as the \u201cresidence premises\u201d on the declarations page.&nbsp;<\/p>\n\n\n\n<p>The insured\u2019s attorney also argued that Universal waived its right to deny the insurance claim because Universal had accepted premiums from the insured and made an initial payment on the claim. Those arguments failed because accepting premiums is not knowledge that the insured no longer resides at the property and issuing payment on a claim does not waive coverage provisions in the insuring agreement or policy exclusions, only the post-loss obligations under the policy.&nbsp;<\/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>Kelly Phan | Marshall Dennehey Two years prior to Evelyn Pitts\u2019 death, she placed her property in a revocable living trust, entered an assisted living facility and then rented her property to tenants. After Evelyn\u2019s passing, her son reported water damage to the property to Universal Property &amp; Casualty Insurance Company. Universal initially extended coverage&hellip; <a class=\"more-link\" href=\"https:\/\/www.myconstructionexpert.com\/blog\/insurance-coverage-denied-residence-premisis-requirement\/\">Continue reading <span class=\"screen-reader-text\">Coverage Denied: Residence Premises Requirement Bars Claim Despite Premiums and Initial Payment<\/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":[10721,9721],"tags":[9895,22,56],"class_list":["post-905210","post","type-post","status-publish","format-standard","hentry","category-insurance","category-property-damage","tag-advise-consult","tag-insurance","tag-property-damage","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>Coverage Denied: Residence Premises Requirement Bars Claim Despite Premiums and Initial Payment - Advise &amp; 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