What are my rights regarding a total loss from a house fire?
Question Details: I just experienced a total loss in a house fire. There was a 4-wheeler in the garage. Our agent came to our home to do an inspection and inquired about the golf cart and motorcycle that were also in the garage but insured by another company. He never mentioned the 4-wheeler. Now they are claiming we cannot claim the 4-wheeler. They said we needed a separate rider for that but they never told us that before we signed the policy. Do we have any recourse?
No, you most likely do not have recourse, even if the agent did not specifically mention getting a rider for the 4-wheeler. Insurers do not always--in fact, generally do not--know what you have or own unless *you* tell them and inquire into whether you need additional coverage for it; the legal obligation and responsibility is on you to make sure you have the proper coverage (including riders as necessary) and is not on the insurer to tell you what coverage to get.