California E&S Insurance

Nothing is the post suggests the mother in law died - you’re making an assumption, good insurance adjusters don’t make assumptions. Even if the mother in law died, ownership transferred when she was still alive (in 2019) and no longer had an insurable interest. Most state regulations ensure coverage is bound for at least 30 days after death, but it’s incumbent upon the estate executor to notify the insurance company of the death in a timely matter. The executor then would have to buy coverage with the estate as the named insured in a timely matter. The one exception to this may be if the deceased had a surviving spouse. Also, mortgage companies are typically named as loss payees, not additional insured. A security interst is much different then ownership. That said, it’s incumbent on the mortgage servicer to ensure that there is proper coverage on the home, they obviously failed that duty in this case, but that is their problem as a good chunk of their collateral is gone. This is awful advice for someone claiming to be an adjuster.

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