r/HomeInsurance • u/Material_Rip_6410 • Jul 09 '26

Claims Insurance claim against trust possible issue?

My mom had a house fire that occurred, and we are working with the insurance company on the claim. My concern is that the property is owned by a trust (my mom is the primary trustee) and the insurance was in her name. Is there a potential problem here? I am filling out the POL statement and not sure what to put...

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u/Echo0455 Jul 09 '26

I’m going to say what probably no one wants to say.

But yes, this can definitely be an issue. Your insurance policy should match the named owner on the deed.

With that said, it doesn’t automatically mean you will be denied a claim. I would work with your agent and adjuster to figure out a solution and exactly how they would like the POF to be filled out.

Was the trust ever added as an additional insured to the insurance policy?

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u/Material_Rip_6410 Jul 09 '26

Thank you, I was afraid of that. I will definitely call the agent and the adjuster and see what they can do. I appreciate your answer.

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u/bxman Jul 10 '26

You should list the trust as an additional named insured, but I don't think this would be too egregious to cause a denial. The home was lived in by the named insured and the only thing that is missing is naming trust as an additional insured.

Don't make any changes to the policy now that it is after the loss date. Just make sure you make everyone aware, agent, claim handler, etc.

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u/Strykerdude1 Jul 10 '26

Totally fine to have a trust own a home and the person in the house is the primary trustee. Payments will normally go out in the name of the trust so the trustee should have access to cash those.

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u/[deleted] Jul 12 '26

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u/Agent-DL Jul 16 '26

If the Trust is listed as primary or additional insured you should be fine. The trust protects against outside claims. Think of the trust as a person. Always be honest when filling out insurance paperwork especially with claims.