If I was living in relative's home and was covered by their homeowner's insurance and a fire occurred and all my belongings were destroyed, am I legaly entitled to compensation?
Question Details: I was living with my aunt and all my belongings were destroyed. We had a inspector show up and documented it was my belongings and my aunt was paid for damage and loss on the house but I was never given nothing for any of my losses. Can I legally sue for my losses,from the fire since their was proof on document of what I had lost?
You can't sue your aunt's insurer for not paying you: her insurer is *her* insurer, not your insurer. The insurer's contract (the policy; an insurance policy is a contract) is with her, not you; she paid the premiums, not you; and the insurer's obligation is to her, not you. Not being in a contract with them, you have no standing or legal basis to take action against them.
You can sue your aunt herself, BUT she will only be liable if she was at fault in causing the fire--e.g. it happened because she smoked in bed, left a pot burning unattended on the stove, etc. A person is only liable or responsible for damage or losses she caused through negligence (unreasonable carelessness) or an intentional/deliberate wrongful act. If your aunt was not at fault for the fire, she will not be liable and not have to pay, and you will not receive any compensation.