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Old 12-15-2012, 10:15 AM
11 posts, read 24,203 times
Reputation: 12


Originally Posted by KonaKat View Post
Have a security system.

Regarding disclosure, it is the buyer's obligation to perform their due diligence on a property and the neighborhood, etc. It is only the seller's duty to disclose material facts about the actual property itself. Any place has crime.

I'm more interested in what's going to happen with that insurance lien. Was it just a coincidence that you picked the same company,or was the information in a database of some kind that they all use to screen new properties? What's left to be fixed? Why is the matter still "open" as far as they're concerned?
All Insurance companies use a CLUE report that is in a central database to check for claims made my the applicant as well as the claims on the property, before they underwrite the insurance. This is how my insurance company alerted me of these things that the seller never disclosed. When asked it looks like now the seller immediately had asked their insurance company the close their open case.
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Old 12-15-2012, 11:47 AM
12,973 posts, read 12,134,962 times
Reputation: 5398
Originally Posted by observer53 View Post
Do not get a dog solely for the purpose of defending your property. Yes, a barking dog (not necessarily of any particular breed) MAY make a burglar move on to the next house, but an alarm system is a better option.

Agree with KonaKat about why the claim is still "open". I'd check that out.
The bottom line is that a dog bites, an alarm doesn't," says Peter Moraga, spokesperson for the Insurance Information Network of California. "Although we don't have any credible statistics about the difference in burglaries based on if the home is protected by an alarm versus a dog, insurers feel it's better for homeowners to get an alarm. Dogs should be for the family's pleasure."

The truth of course is that insurers don't like dogs...particularly big mean dogs. Liability issues.

I would not think there is any kind of a lien involved. Clue reports are reasonably standard. And a burglary claim would not be discloseable if any damage was properly repaired.

The sign ploy is over rated. Burglars are aware that people buy the signs. It is reasonably easy to detect whether a house is really alarmed or not. Worse come to worse you pop a door and see if it goes off.

Had good friends burgled on a nice golf course address. Alarm was off. Come in through the golf course, ring the bell and if no response they bust a back door or window.
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Old 12-15-2012, 01:20 PM
Location: ( ͡ ͜ʖ ͡) (╯□)╯︵ ┻━┻ ̡
7,112 posts, read 10,850,060 times
Reputation: 3866
Originally Posted by tadtam View Post
I agree. I did not want to pay for security alarm system. So on Amazon I purchased some ADT security signs. Put them around house..
I haven't been to house in 10 months and it hasn't been touched. (My landscaper checked it out 2 weeks ago) .

best $50 I spent.
Might as well buy some "BEWARE OF DOG" placards too.

Posted from Nokia 8210
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Old 12-15-2012, 02:53 PM
12,973 posts, read 12,134,962 times
Reputation: 5398
Or get a barking dog alarm...
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