So, my mom passed away in Oct 2023. The house had a transfer on death deed and was sold Nov 2023. I called the agent and let them know to cancel the policy. Evidently they dropped the ball.
In June 2024 I get a bill forwarded from my mom's old address for homeowners insurance for May 2024-May 2025. I call them, tell them she is deceased and house is sold. Email back and forth, sent in her death certificate, will naming me as responsible for her affairs, and sales closing statement. Attest to no claims. They cancel the remainder of policy term but want $253 for the time the policy was "in effect".
Spoke to another rep on phone. She says her supervisor will not cancel the debt without a closing statement that has the signatures of all involved parties on. Since we live in different states, everything was signed online and each of us only has our own signed statement. Title company won't return my calls, realtor only has the final sales statement signed by title company.
What I don't understand is how they can bill a dead person for a policy renewed after their death, on property they don't own? I'd have easily cancelled it if I had received the bill prior to it being implemented, but the bill took two months before it got forwarded to me. I can afford the $$ but it's ridiculous to give in to this BS. Anyone have any ideas? It's Liberty Mutual/GEICO, house was in Arizona.
GEICO renewed dead person's homeowners policy
byu/Adorable_Name1652 inInsurance
Posted by Adorable_Name1652
7 Comments
Try the Arizona Department of Insurance website and 800 number. That should solve the problem.
Was the policy handled by an actual agent, not just the call center?
If handled by an actual agent, I’d go back to them. Like you said, they dropped the ball 9 months ago, they should help make it right.
Did you submit the cancellation request in writing?
Ask them to pull the call when you cancelled and to send you a transcript
They should be canceling as of closing date and no premium would be owed past that date. This is super basic insurance stuff.
Honestly, I would file a department of insurance complaint as well. Don’t know how far that might get you. At the end of the day, the party they are attempting to bill is deceased. I would send a well put together letter advising it will not be paid and why with the appropriate documents. I will share with you that GEICO does not do their own homeowners insurance. They are only an agent for a 3rd party. Since it is Liberty Mutual, you may be able to contact their corporate directly and explain the situation. I hope that helps you in some way. Good luck with everything. I used to work for them. They suck.
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>Spoke to another rep on phone. She says her supervisor will not cancel the debt without a closing statement that has the signatures of all involved parties on. Since we live in different states, everything was signed online and each of us only has our own signed statement. Title company won’t return my calls, realtor only has the final sales statement signed by title company.
Get a certified copy of the deed from the county recorder. That should do it.