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Get DirectionsGetting a divorce is complicated, particularly when property is involved. When the court gives you the right to live in the house in Green Valley, Arizona, it does not necessarily mean that it is the end of the battle.
Obtain Proof of the Divorce
The only way to remove your ex-wife from the home policy is with the appropriate documentation. If she is the primary policy holder on the house, then proof that you were awarded the house in the court is a necessity.
You will need to document that the divorce is finalized, you own the house and she is no longer making any mortgage payments on the home. If she is still paying on the house, then you may not be able to remove her as the primary policy holder until after the deed and loan is transferred into your name.
When Her Approval is Necessary
It is necessary to obtain your ex-wife’s approval to remove her as the primary holder of the policy if she is still part-owner of the house. Divorce does not necessarily mean that you take over the mortgage automatically. It may take time before the deed and loan is issued in your name.
When Permission is Not Necessary
The situation ultimately determines if you need prior permission to change the coverage plan to your name. If the court awarded the house to you, then you may not need permission to make changes to the policy. You will need to provide proof that the house is yours and that she no longer has a legal claim on the house.
Before you make changes on an insurance policy, contact us to talk to an independent agent about your specific situation and the options that are available for your needs.