there is a mental health patient in our house. the issues have already costs $100's of dollars in home repair. is there any type of insurance for this?

would rather ask you guys... there's bound to be someone on here that knows

 

Sounds like you are asking about homeowners/renters insurance coverage. Hopefully the mental patient has medical insurance.

So who owns the home? Is it a rental?

IMO, the property owner should talk to their insurance agent.

The homeowner's insurance policy MIGHT give some coverage, but there is going to be a deductable, probably at least $500.

 

The only thing that might cover that is your standard homeowner's policy, but since the deductible for those usually run at 1-2% of home value, you're not likely to collect unless someone does a "hella' lotta' banging his fists through the wall".......

I also suspect any claim might be justifiably denied because the damage was self-inflicted -- kind of like starting your house on fire, albeit on a smaller scale.....

 

Not to be mean/poke fun toward the mentally challenged person... but for their own safety, there are places called mental institutions that have specially padded rooms. Just a suggestion.

 

Be careful, get me? As well as sensitive.

 

You are an ill informed idiot.

 

Crash, I don't know if there is any insurance other than your homeowners policy to cover damage like that I would check with your insurance agent/company.

For what it's worth I feel your pain my friend it's not an easy road to walk.


Not cool at all and I would tread very lightly if you have no experience on the subject. My ex-wife is Bi-Polar and over the course of our marriage she spent a fair amount of time on the psych floor of a hospital which is not a fun place to stay or even visit.

 

Definatly not cool, and not always the answer, Take a person (like me for example) who is fine 361 days out of the year, but every now and then put my fist through the wall 10 times. Should i be locked up?

And Crash, i think ddellwo is right about the damage being self inflicted and not covered, but def check with your insurance agent, i know from dealing with the hurricane sandy boat damage every policy is written different.

 

True, and also every agent is different.

Some of them will really go to bat for you when you have a legit claim. Others, not so much.

 

if the patient is of legal age I would have them get a renter's insurance policy....this will keep the burden off you and your HO policy....

 

the patient is me. and i did spend some time in the mental ward at the VA. i'm 100% disabled and my fiance is my caregiver. i have a service dog who is with me 24/7. i have checklists to remind me to shower, brush my teeth, put deo on.

I know i have issues, and we are working on it. unfortunately i'm looking into buying a stun gun for my fiance. admitting i have problems isn't the hard part, it's living with them day to day.

btw manual, not offended at all.i can't control myself but I also know that some things are done for my own protection. btw, padded rooms are not really "in" right now. It's more like heavy sedation and group therapies (for us veterans). I'm SOO thankful the cops came last time when they did, it could have been alot worse than it was. besides, in a padded room i can't fish

 

I wish ya the best of luck....

 

I'm going to go out on a limb and say, "For one day a year, YES!"

 

Man, I feel so helpless. We are this great online community, but we can't focus our efforts on any one particular situation.

To the OP, please understand that this community, though it's an online one, cares deeply about how you fare. Please look into the advise that's been passed on.

You deserve more help than you are getting. We are trying here, but I'm not sure that we can provide all you need.

The help is out there. Please, for yourself and all of us rooting for you, find it an use it. And, stick around here. I think I speak for most of us here, we want to know that you are making it by ok.

Thank you, and good luck!

 

That's why I put it like that...

I've got a friend, who's younger brother has somewhat similar symptoms and is really nice sometimes, but sometimes something will just "click" and it's like someone let an angry bull in a ring. It's not his fault... he was born like that and there's nothing they can do except sedate him. He's been put in padded rooms when things escalated for his own protection, as at one point he stabbed himself and did some other self inflicted damages.

It's sad really... and I feel bad for both of you.

Nice looking fish though.