If a home has been sold while a homeowner’s insurance claim related to the property is still pending that does not necessarily mean that the claim will die with the closing of the sale. Depending on variations in your policy the compensation related to the claim may be assigned to the purchaser of the home or the seller to be used to repair the property even after the sale. Typically, either the seller or purchaser may dispute a claim denied due to the sale of the property. However, this is not always the case. For example, an insurer may have an anti-assignment clause forbidding the assignment of insurance claim payments to a third-party that is not part of the initial contractual relationship. The validity of the provisions within your policy will be contingent upon your state’s law.
An experienced insurance claims attorney can help you sort out what you are entitled to by simplifying the contractual language and helping you understand how individual provisions fit into the entirety of your policy and within state regulations.