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Old 05-10-2009, 07:22 PM   #41
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Legal stability? Canada, Germany, Japan, England, France and a couple of dozen other countries have lots of legal stability with a lot less lawsuits and lawyers.
As for the poster and the original problem, I suggest he think about moving.
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Old 05-10-2009, 07:25 PM   #42
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As for the poster and the original problem, I suggest he think about moving.
I couldn't agree more - that's what I did and I'm a much happier camper today!
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Old 05-12-2009, 04:29 AM   #43
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we just learned that our umbrella will not cover us in home owner associations where lets say the development gets sued and loses and the award is more then the insurance the development has.

the question came up in our pennsylvania home which is a gated community and the liability of our local security who are just regular development owners themselves who find themselves regurly chasing snow mobilers off the development.. we questioned what if one gets hurt or killed and our hoa is sued and loses and the award is more then the hoa insurance that they carry. all home owners in a condo or hoa are libel for the overage...

i called geico and they confirmed that we might not be covered as the umbrella only covers un-intentional acts caused by you not someone else..

some insurance companies offer a rider for condo or hoa property owners but they dont
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Old 05-12-2009, 07:15 AM   #44
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We have an umbrella policy, which I now need to check after reading this thread, just for good measure.

Some years ago in California, maybe 15 or so, there was a negligence case brought against a homeowner by a thief who tried to gain entry thru a skylight. Turns out there were more than one skylight on the roof, and the thief fell thru it, broke his back and was paralyzed. He sued claiming negligence against the homeowner for not having his skylights clearly marked and visible, resulting in his paralyzation...and HE WON. If I remember correctly, the poor homeowners lost their home to this thief. This case is why I got the umbrella policy in the first place but it has been so long ago that I really need to check and update if necessary.

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Old 05-12-2009, 05:01 PM   #45
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Some years ago in California, maybe 15 or so, there was a negligence case brought against a homeowner by a thief who tried to gain entry thru a skylight. Turns out there were more than one skylight on the roof, and the thief fell thru it, broke his back and was paralyzed. He sued claiming negligence against the homeowner for not having his skylights clearly marked and visible, resulting in his paralyzation...and HE WON. If I remember correctly, the poor homeowners lost their home to this thief. This case is why I got the umbrella policy in the first place but it has been so long ago that I really need to check and update if necessary.
In California, AB 200 passed in 1985 added California Civil Code 847. The law provides that a landowner is not liable to any person for any injury or death that occurs on the property during the course of or after the commission of a specified felony by the injured or deceased person. Specified felonies include, among others, burglary, robbery, grand theft, or a felony where the person uses a firearm.

So I wouldn't worry to much about injured burglars...
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Old 05-12-2009, 06:48 PM   #46
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In California, AB 200 passed in 1985 added California Civil Code 847. The law provides that a landowner is not liable to any person for any injury or death that occurs on the property during the course of or after the commission of a specified felony by the injured or deceased person. Specified felonies include, among others, burglary, robbery, grand theft, or a felony where the person uses a firearm.

So I wouldn't worry to much about injured burglars...
Thanks, good to know.

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Old 06-06-2009, 04:27 PM   #47
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To everyone that says I should just move....well you are right!

That is exactly what at LEAST 3 other neighbors did they couldn't take it anymore. She just loves to antagonize and bully other women and when she does a lot of them leave out of fear of what she might do I guess.

I thought for sure after her federal indictment she would be out of here but think again.

If anyone on here has ever known a female criminal you probably know that the law pretty much does not apply to them that is why 93%+ of all people in prison are male!

I really do not want to move I like it here and other than her the other neighbors rage from nice-tolerable! But I feel like a sitting duck sometimes when there is no consequences for accusing people of crimes.

Jim
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Old 06-08-2009, 01:05 PM   #48
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A liability rider on you home owners insurance policy should be sufficient.

My neighbor cut ~40 trees which did NOT belong to him. His liability coverage paid out on the claim. Took 3 years ... but they paid.
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