Michelle Singletary: Communication could have avoided parents' acrimony with their son - Insurance News | InsuranceNewsNet

InsuranceNewsNet — Your Industry. One Source.™

Sign in
  • Subscribe
  • About
  • Advertise
  • Contact
Home Now reading Newswires
Topics
    • Advisor News
    • Annuity Index
    • Annuity News
    • Companies
    • Earnings
    • Fiduciary
    • From the Field: Expert Insights
    • Health/Employee Benefits
    • Insurance & Financial Fraud
    • INN Magazine
    • Insiders Only
    • Life Insurance News
    • Newswires
    • Property and Casualty
    • Regulation News
    • Sponsored Articles
    • Washington Wire
    • Videos
    • ———
    • About
    • Advertise
    • Contact
    • Editorial Staff
    • Newsletters
  • Exclusives
  • NewsWires
  • Magazine
  • Newsletters
Sign in or register to be an INNsider.
  • AdvisorNews
  • Annuity News
  • Companies
  • Earnings
  • Fiduciary
  • Health/Employee Benefits
  • Insurance & Financial Fraud
  • INN Exclusives
  • INN Magazine
  • Insurtech
  • Life Insurance News
  • Newswires
  • Property and Casualty
  • Regulation News
  • Sponsored Articles
  • Video
  • Washington Wire
  • Life Insurance
  • Annuities
  • Advisor
  • Health/Benefits
  • Property & Casualty
  • Insurtech
  • About
  • Advertise
  • Contact
  • Editorial Staff

Get Social

  • Facebook
  • X
  • LinkedIn
Newswires
Newswires RSS Get our newsletter
Order Prints
June 13, 2018 Newswires
Share
Share
Tweet
Email

Michelle Singletary: Communication could have avoided parents’ acrimony with their son

Deseret News (UT)

WASHINGTON — That 30-year-old man who had to be forced by a judge to vacate his parents' home has finally packed his bags and left.

Mark and Christina Rotondo wanted their unemployed adult son to move out. They said they were fed up with his not contributing to the household. But their son, Michael, refused to go, so the couple filed a petition in the New York State Supreme Court to have him evicted.

Without knowing more about this family's dynamics, we can't really say how the situation ended up in court. But maybe the acrimony could have been avoided had the parents more clearly communicated — in writing — what they expected from their son.

Kristy, a reader from Indiana, found a "Welcome Home Contract" online from the National Association of Insurance Commissioners. A year ago, she and her husband tailored the document to dictate the rules under their roof when their 18-year-old son decided he wasn't going to college after he graduated from high school.

The covenant between the couple and their son says he has to get a job (he did). There's also a curfew and quiet hours.

"We added the bit about quiet hours because my husband has to be up early in the morning," she said.

If you want to avoid a costly court date with your adult child, go to insureuonline.org and search for "Welcome Home Contract." The first listing will be a fill-in-the-blanks PDF form, and the second is an interactive version of the contract.

I asked Kristy to share the specifics of their contract. I've made some edits for clarification.

Effective: (Put the date here.)

This covenant is between X, hereafter known as "adult child," and Y, hereafter known as "parents."

This covenant is entered into on the basis that (name of adult child) is not attending college part time or full time.

Logistics: Adult child may inhabit his current bedroom, or other room, as designated by parents. Adult child will park vehicle in manner so as not to take up more space than needed in driveway.

Adult child will take necessary precautions to ensure the safety of the residence/residents, such as locking doors at night/upon leaving premises, and keeping security codes confidential.

This covenant will be reviewed twice a year.

Finances: (Put the dollar amount here) is expected monthly for room and board, which covers reasonable living expenses, groceries and utilities.

If still eligible for coverage under parents' health insurance, adult child will pay for out-of-pocket costs associated with doctors' appointments, emergency room visits, medication, etc.

If not eligible for coverage under parents' health insurance, adult child will secure his own health insurance and pay 100 percent of the premiums.

Adult child will pay for his expenses for clothing, toiletries and other personal items.

Adult child will pay for his gas, vehicle maintenance, insurance and registration costs. Adult child will pay his auto insurance and stay current on all payments.

Mutual respect: Adult child will assist with household chores as requested, and as need arises by parents, as well as snow removal and some house maintenance.

Adult child will keep his room clean, be responsible for cleaning the bathroom/laundry room he regularly uses and cleaning up after self when using common areas such as the kitchen.

Overnight guests are not allowed unless cleared with parents in advance.

We respectfully ask that you provide your work schedule. Please respect our quiet hours from 10 p.m. to 6 a.m., Monday through Friday.

We request that you keep reasonable hours, home before 10 p.m. weeknights and before 11 p.m. Friday and Saturday.

If you have visitors in the common areas of the home — kitchen, great room, living room — we ask that visitors leave before 10 p.m.

When going out with friends, we ask that you provide their contact information, in the event of an emergency. We ask that you provide an estimated time of return.

Should adult child not return home at night, a text message should be sent to parent by 11 p.m. so as not to cause undo worry or stress or for adult child to be reported as missing person.

Adult child is requested to prepare one evening meal a week. Adult child will be responsible for own laundry. Adult child will not abuse alcohol or drugs. Since you have the good fortune of living here with a nominal fee, please respect your housemates, aka your parents.

I love the clarity in this covenant, especially who pays for what. It might not prevent all conflicts, but it certainly puts everyone on the same page. And, a year later, Kristy said there haven't been any issues with their son living at home. (He doesn't mind the curfew.)

Use the commission's cohabitation contract to help facilitate a much-needed conversation about expectations in a shared housing arrangement. It could save you a lot of money and heartache.

CREDIT: Michelle Singletary, Deseret News

Advisor News

  • Take advantage of the exploding $800B IRA rollover market
  • Study finds more households move investable assets across firms
  • Could workplace benefits help solve America’s long-term care gap?
  • The best way to use a tax refund? Create a holistic plan
  • CFP Board appoints K. Dane Snowden as CEO
More Advisor News

Annuity News

  • $80k surrender charge at stake as Navy vet, Ameritas do battle in court
  • Sammons Institutional Group® Launches Summit LadderedSM
  • Protective Expands Life & Annuity Distribution with Alfa Insurance
  • Annuities: A key tool in battling inflation
  • Pinnacle Financial Services Launches New Agent Website, Elevating the Digital Experience for Independent Agents Nationwide
More Annuity News

Health/Employee Benefits News

  • Idaho is among the most expensive states to give birth in. Here are the rankings
  • Some farmers take hard hit on health insurance costs Farmers now owe a lot more for health insurance (copy)
  • Providers fear illness uptick
  • JAN. 30, 2026: NATIONAL ADVOCACY UPDATE
  • Advocates for elderly target utility, insurance costs
More Health/Employee Benefits News

Life Insurance News

  • AM Best Affirms Credit Ratings of Etiqa General Insurance Berhad
  • Life insurance application activity hits record growth in 2025, MIB reports
  • AM Best Revises Outlooks to Positive for Well Link Life Insurance Company Limited
  • Investors holding $130M in PHL benefits slam liquidation, seek to intervene
  • Elevance making difficult decisions amid healthcare minefield
More Life Insurance News

- Presented By -

Top Read Stories

More Top Read Stories >

NEWS INSIDE

  • Companies
  • Earnings
  • Economic News
  • INN Magazine
  • Insurtech News
  • Newswires Feed
  • Regulation News
  • Washington Wire
  • Videos

FEATURED OFFERS

Elevate Your Practice with Pacific Life
Taking your business to the next level is easier when you have experienced support.

LIMRA’s Distribution and Marketing Conference
Attend the premier event for industry sales and marketing professionals

Your trusted annuity partner.
Knighthead Life provides dependable annuities that help your clients retire with confidence.

What if Your FIA Cap Didn’t Reset?
CapLock™ removes annual cap resets for clearer planning and fewer surprises.

Press Releases

  • Financial Independence Group Marks 50 Years of Growth, Innovation, and Advisor Support
  • Buckner Insurance Names Greg Taylor President of Idaho
  • ePIC Services Company and WebPrez Announce Exclusive Strategic Relationship; Carter Wilcoxson Appointed President of WebPrez
  • Agent Review Announces Major AI & AIO Platform Enhancements for Consumer Trust and Agent Discovery
  • Prosperity Life Group® Names Industry Veteran Mark Williams VP, National Accounts
More Press Releases > Add Your Press Release >

How to Write For InsuranceNewsNet

Find out how you can submit content for publishing on our website.
View Guidelines

Topics

  • Advisor News
  • Annuity Index
  • Annuity News
  • Companies
  • Earnings
  • Fiduciary
  • From the Field: Expert Insights
  • Health/Employee Benefits
  • Insurance & Financial Fraud
  • INN Magazine
  • Insiders Only
  • Life Insurance News
  • Newswires
  • Property and Casualty
  • Regulation News
  • Sponsored Articles
  • Washington Wire
  • Videos
  • ———
  • About
  • Advertise
  • Contact
  • Editorial Staff
  • Newsletters

Top Sections

  • AdvisorNews
  • Annuity News
  • Health/Employee Benefits News
  • InsuranceNewsNet Magazine
  • Life Insurance News
  • Property and Casualty News
  • Washington Wire

Our Company

  • About
  • Advertise
  • Contact
  • Meet our Editorial Staff
  • Magazine Subscription
  • Write for INN

Sign up for our FREE e-Newsletter!

Get breaking news, exclusive stories, and money- making insights straight into your inbox.

select Newsletter Options
Facebook Linkedin Twitter
© 2026 InsuranceNewsNet.com, Inc. All rights reserved.
  • Terms & Conditions
  • Privacy Policy
  • InsuranceNewsNet Magazine

Sign in with your Insider Pro Account

Not registered? Become an Insider Pro.
Insurance News | InsuranceNewsNet