I lost everything after being a live-in caregiver for a fire in the home of my PT w dementia. Am I going to be compensated for property lost?

You may hear that it's not covered.
Do not believe this, check it out, follow through.
Make a claim anyway.

Even under 'negligence' for the bad wiring, you might be covered under the homeowner's policy.

In another life I worked for State Farm,, and renters insurance was the go to for non home owners. even when DD lived in a college owned apt we got her renters insurance. Not sure about these days,, but they still sell alot of those policies . It's tricky, but since it was bad wiring, who knows? Talk to your employer first and see what they find out?

I would see an attorney about this. If you were live in and receiving mail at the place then you are considered a tenant under the law of most states. You would be considered a resident and your belongings may be covered under the homeowner's insurance policy. Discuss first with the insurance company of your patients family or whomever is paying for her care, whomever owns the home. Tell them you want to make a claim for your belongings. If you have a problem I would see and landlord and tenant specialist attorney, as I think you have a right to compensation. I wish you luck.

This is a good question. You really aren't renting. You are a tenant sort of though. So did u need to insure ur belongings. I am wondering if your employer should have covered you as a live-in.

I actually don't see why your belongings cannot be covered under homeowners without mentioning you were a live in. Just a room with stuff in it?

This is a conversation you need to have with whoever signed your check. If that person is not forthcoming, ask for the name of clients insurance company and talk to them.

Were you an employee? We're you being paid under the table? Did you have renter's insurance?

Do you have tenant’s insurance?

if not, then you need to check if the homeowner’s policy covers the possessions of employees.

Just to clarify: you're in CA, "Bernie" is your patient with which you live and there was a house fire in which you lost everything.

Who hired you? I'm assuming since Bernie has dementia, he either has a PoA or guardian (a private citizen or the county). This is the person with which you now need to speak. Also, if you can itemize the possessions you lost and provide any pictures at all, this will be helpful. I don't know what homeowner's insurance will cover.

Did Bernie cause the fire? " I'm so sorry for your loss. I hope you can be fully compensated.