Homeowner in US left with massive debts after police operation destroyed his house

[riscol]

 

[Indus Pakistan]

He should be celebrating.

 

[dalvash]

Well at least he wasn't beaten to death like homeless man Kelly Thomas: https://www.csmonitor.com/USA/USA-U...ice-were-acquitted-in-killing-of-homeless-man

 

[PakFactor]

Since I work in Insurance his homeowner policy should be able to cover this and the carrier will mostly likely go after local police department for subrogation.

 

[dalvash]

Since I work in Insurance his homeowner policy should be able to cover this and the carrier will mostly likely go after local police department for subrogation.

In your experience, has an insurance company ever won a settlement in court against a police department? Or was it always settled outside of the court process?

 

[PakFactor]

In your experience, has an insurance company ever won a settlement in court against a police department? Or was it always settled outside of the court process?

Yes, many cases have been won against police department(s). I had a client who was rammed by an on duty police officer, his vehicle was searched for drug(s) and none were found and they let him go, he filed the claim against his insurance company vehicle was repaired and he signed a letter stating insurance company can go after the police department - the case went to court and within 6-8 months company won and department had to pay over 3,500 for damages and the 5,000 for Medical Payment as my insured suffered damages being rammed.

But their are equally amount of cases that are settled outside before reaching court - just depends if police department feels they'll either win or lose.

 

[maximuswarrior]

'Murica at its best.

 

[dalvash]

Yes, many cases have been won against police department(s). I had a client who was rammed by an on duty police officer, his vehicle was searched for drug(s) and none were found and they let him go, he filed the claim against his insurance company vehicle was repaired and he signed a letter stating insurance company can go after the police department - the case went to court and within 6-8 months company won and department had to pay over 3,500 for damages and the 5,000 for Medical Payment as my insured suffered damages being rammed.

But their are equally amount of cases that are settled outside before reaching court - just depends if police department feels they'll either win or lose.

Thanks for responding. That means you can sue the police for misconduct such as in the examples provided, but you cannot sue the police if they fail to 'protect' you. This was decided in US Supreme Court case Warren vs. DC:
https://en.wikipedia.org/wiki/Warren_v._District_of_Columbia

 

[PakFactor]

Thanks for responding. That means you can sue the police for misconduct such as in the examples provided, but you cannot sue the police if they fail to 'protect' you. This was decided in US Supreme Court case Warren vs. DC:
https://en.wikipedia.org/wiki/Warren_v._District_of_Columbia

Exactly!

Also, its' not always property damage, had a friend who was traveling to another city about 40 mins away from Chicago. Police stopped him for speeding and they police asking their usual questions you have any drugs, weapons.... and he slipped and said Bombs.

Well that triggered a law suit right away (my friend was a lawyer lol). Sued the department and won close to $ 100,000. Settle out of court not to make a scene.

 

[VCheng]

Since I work in Insurance his homeowner policy should be able to cover this and the carrier will mostly likely go after local police department for subrogation.

The home owner's insurance company covered the cost of reconstruction of the entire house according to the terms of his overage. He was asking for more money from the village to cover his living expenses until the house is rebuilt, but I suspect his insurance policy must have a rider for that too, as policies usually do.

(Eventually, the homeowner built an even larger house on the same lot by adding to the insurance payout from another mortgage. He is still planning on pursuing an appeal all the way to the Supreme Court.)

 

[Yaseen1]

u.s is wasting money in killing people in other countries for unnecessary wars but their own public is suffering as a result,police use of bunkerbuster and other heavy weapons shows high level of crime rate and civil unrest in u.s as such weapons are not needed for ordinary criminals,u.s is moving towards its end

 

[VCheng]

u.s is wasting money in killing people in other countries for unnecessary wars but their own public is suffering as a result

It's only money.

u.s is moving towards its end

Next Tuesday?

(Neither has anything to do with the topic here, but that is only to be expected. )

 

[Hamartia Antidote]

The home owner's insurance company covered the cost of reconstruction of the entire house according to the terms of his overage. He was asking for more money from the village to cover his living expenses until the house is rebuilt, but I suspect his insurance policy must have a rider for that too, as policies usually do.

(Eventually, the homeowner built an even larger house on the same lot by adding to the insurance payout from another mortgage. He is still planning on pursuing an appeal all the way to the Supreme Court.)

His insurance paid him $345,000. Which I'm sure would more than cover the cost of building his house considering he doesn't have to re-buy the land. He then got a mortgage and built an even bigger house. So yeah he should be saying thanks.

Melissa Gallegos, a spokeswoman for the city of Greenwood Village, sent NPR a statement saying the damage done to the house was necessary to "get the gunman out without any loss of life" and referring to the standoff as a police emergency.

"What Mr. Lech also failed to tell you was that he chose on his own to demolish the house rather than repair it, repour the foundation that wasn't damaged and built a bigger better house where the old one stood," said Gallegos. In her message, she included a photograph of Lech's new home.

Since I work in Insurance his homeowner policy should be able to cover this and the carrier will mostly likely go after local police department for subrogation.

Yep, let the insurance company fight it out with the town to recoup their $345,000.

 

[PakFactor]

His insurance paid him $345,000. Which I'm sure would more than cover the cost of building his house considering he doesn't have to re-buy the land. He then got a mortgage and built an even bigger house. So yeah he should be saying thanks.

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Melissa Gallegos, a spokeswoman for the city of Greenwood Village, sent NPR a statement saying the damage done to the house was necessary to "get the gunman out without any loss of life" and referring to the standoff as a police emergency.

"What Mr. Lech also failed to tell you was that he chose on his own to demolish the house rather than repair it, repour the foundation that wasn't damaged and built a bigger better house where the old one stood," said Gallegos. In her message, she included a photograph of Lech's new home.



Yep, let the insurance company fight it out with the town to recoup their $345,000.

Man that’s a nice house he built. He hit the lottery with that officer.

 

[Hamartia Antidote]

Man that’s a nice house he built. He hit the lottery with that officer.

According to the OP he is “left with massive debts” and out of luck. It looks like he is doing fine.

Apparently he wanted the town to pay at least the difference between the cost of his new bigger house and the $345,000 the insurance paid him to repair his old one.

The town wouldn’t budge and the judge said he had no case.