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There didn't seem to be a good forum for this except maybe personal finance but I thought here might be better.
My mom passed in 2015. My sister is the executor. Not sure what she has done honestly.
My parents had all 4 of house on the house at the township.
My sister was just renewing the insurance under my mothers name. But then she let it lapse.
Sine I recently moved into the house I tried renewing the insurance (and found out about the lapse!) but they said they couldn't
since I wasn't on the....deed? Or something. But they could do if I had car insurance with them which I didn't.
So I went to USAA since that is where my car insurance is. There automated online program immediately pulled me and my sisters up as owners of the address and I got the house insured.
My question is. My parents are still on the records at the township along with me and my sister.
Is this a notification of to the township issue? Or a probate thing?
The insurance is a side issue. The estate must have ownership clear so the property can be managed / sold. This is a probate / executor issue, not a government issue.
Just wondering why the estate isn’t settled and closed and dispersed after four years unless there is a property that needs to be sold. I do understand holding on to a home equally for siblings use, but the deceased should be off the title.
Four years is a bit long but not excessively so, especially if there is a large family involved. Even if the others are not "heirs", each one usually needs to be contacted and to execute a form saying that they will not make any future claim against the estate, yadda yadda yadda.
All it takes is a couple of relatives who can't be located or who don't bother or keep forgetting to respond to the paperwork request, to drag things out.
In 2002 I was executrix for what should have been a very simple estate (just the spouse and one child, no other relatives, but three pieces of real estate owned) and it still took almost three years to settle, in spite of the fact that all the properties were sold at the beginning of year two. Part of the delay was backlog in the Court that handles probate here.
My question is. My parents are still on the records at the township along with me and my sister. Is this a notification of to the township issue? Or a probate thing?
It's most likely a notification issue. If your area is like ours, there is zero direct connection between the court system and the local township.
You'd probably need to bring in copies of your parents' death certificates, probate papers, and the revised deed showing that you and your sister are now the sole owners of the house (or that your parents' estate is, for example it could read "Estate of John Jones and Mary Jones" if your sister wants to do it that way for tax purposes.)
Be aware that if your parents were getting any kind of property tax reduction because of their age or if your dad was a veteran, when the town's record is changed to eliminate them as owners those perks will go away and the next property tax bill will reflect that.
You say your sister is executrix and you don't know what she has done, well I suggest you ask her and find out what exactly she has done, if anything. There is a chance she has done nothing.
The insurance is a side issue. The estate must have ownership clear so the property can be managed / sold. This is a probate / executor issue, not a government issue.
Why I was asking the question. Not helpful.
Quote:
Originally Posted by funisart
Just wondering why the estate isn’t settled and closed and dispersed after four years unless there is a property that needs to be sold. I do understand holding on to a home equally for siblings use, but the deceased should be off the title.
I hope that it is resolved for you soon.
Not helpful. No one is going to resolve it but me.
Quote:
Originally Posted by BBCjunkie
Four years is a bit long but not excessively so, especially if there is a large family involved. Even if the others are not "heirs", each one usually needs to be contacted and to execute a form saying that they will not make any future claim against the estate, yadda yadda yadda.
All it takes is a couple of relatives who can't be located or who don't bother or keep forgetting to respond to the paperwork request, to drag things out.
In 2002 I was executrix for what should have been a very simple estate (just the spouse and one child, no other relatives, but three pieces of real estate owned) and it still took almost three years to settle, in spite of the fact that all the properties were sold at the beginning of year two. Part of the delay was backlog in the Court that handles probate here.
Nothing to do with my situation.
Quote:
Originally Posted by BBCjunkie
It's most likely a notification issue. If your area is like ours, there is zero direct connection between the court system and the local township.
You'd probably need to bring in copies of your parents' death certificates, probate papers, and the revised deed showing that you and your sister are now the sole owners of the house (or that your parents' estate is, for example it could read "Estate of John Jones and Mary Jones" if your sister wants to do it that way for tax purposes.)
Be aware that if your parents were getting any kind of property tax reduction because of their age or if your dad was a veteran, when the town's record is changed to eliminate them as owners those perks will go away and the next property tax bill will reflect that.
So what are "probate papers"? What revised deed? No one has revised a deed.
Quote:
Originally Posted by arwenmark
You say your sister is executrix and you don't know what she has done, well I suggest you ask her and find out what exactly she has done, if anything. There is a chance she has done nothing.
I think people are trying to help you. You are resisting saying “not helpful”. Go ask your sister what is going on. This is all on you-apparently no one is going to do it for you and none of us has the pertinent info. We are just giving you our experiences. Good luck.
Obviously you are not understanding the answers. You've been told.
1) it varies by state since we don't know where you are it could be either of the situations
2) @cdelena said it was a probate issue, which I believe is a direct answer to your question that said.."or a probate thing". so I would think that is very helpful.
So without specific information, the answer would be, it could be both a notification issue or a probate issue.
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