$5K is pretty pathetic. I don't even think insurance would cover this??? Would they?
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$5K is pretty pathetic. I don't even think insurance would cover this??? Would they?
From the outside looking in, I would say it was overly excessive; however, I wasn't there and there may be information they were privvy to that I am not. One thing to remember is, there were 3 SWAT teams from Aurora, Arapahoe SO and the GV ERT there, along with all their commanders. Douglas SO was also there with some toys. Also, it wasn't a simple shoplifting that started the event and to top it off, the suspect shot at an Aurora PD officer who is a friend.
Why wouldn't insurance cover it? It wasn't the owner's fault.
Before you say "insurance won't cover it because it wasn't an accident, it was deliberate" - well, if a crackhead burns my house down I'm pretty sure insurance will cover that.
If it doesn't I'm not going to sue the crackhead I'm going to sue my insurance company because what the hell am I paying premiums for if not un-anticipated catastrophic events that destroy my house?
Whether the insurance company can then turn around and sue GVPD for indemnification (and I'm pretty sure such a suit would be barred by the doctrine of Sovereign Immunity unless it was a civil rights case) is not the homeowner's concern. He paid his premiums, now the insurance company needs to pay him.
Insurance policies have a specific exclusion for police action. For example, if your house gets raided and torn apart, insurance won't cover.
Maybe he (the home owner) can get some traction because he wasn't the reason the police were there, but I don't know.