Fallen tree from my property has blocked driveway of my neighbor. No major property damage. Does home insurance cover removal? If yes, then who will claim and whose policy will pay?
Total Comments: 4
Posted: Fri Dec 28, 2012 05:36 am Post Subject:
You either need to read your policy or turn in a claim to find out. Each policy is different in this regard. Usually it will also depend on why the tree fell and if you knew it might fall.
Posted: Fri Dec 28, 2012 12:00 pm Post Subject: claim for fallen tree
Standard home insurance policies usually don't cover removal of fallen trees, unless it causes property damage. As tcope has pointed out, you need to go through your policy terms to find out.
The neighbor will claim against his home insurance. His insurer can blame you though for negligence (if that had been the cause for the fallen tree). But in this case, there has been no property damage.
There's hardly any chance for a claim here.
It probably won't cost much. Why don't you two settle it out mutually?
Posted: Sat Dec 29, 2012 07:24 am Post Subject:
It depends on the policy you have bought. Therefore, you will have to check with the therms of the policy and have a talk with the insurer. Home insurance policies have various coverage policies, though not all cover the cost of removing a fallen tree as in your case.
Posted: Sun Dec 30, 2012 07:01 am Post Subject:
It probably won't cost much. Why don't you two settle it out mutually?
A reasonable recommendation. If there is no property damage, and assuming the tree is not more than about 40 feet tall, the cost of removal is probably not more than several hundred dollars -- perhaps $1000 to $1500 tops. Would be money well spent compared to the long term effect of a premium increase for a claim minus the deductible.
Posted: Fri Dec 28, 2012 05:36 am Post Subject:
You either need to read your policy or turn in a claim to find out. Each policy is different in this regard. Usually it will also depend on why the tree fell and if you knew it might fall.
Posted: Fri Dec 28, 2012 12:00 pm Post Subject: claim for fallen tree
Standard home insurance policies usually don't cover removal of fallen trees, unless it causes property damage. As tcope has pointed out, you need to go through your policy terms to find out.
The neighbor will claim against his home insurance. His insurer can blame you though for negligence (if that had been the cause for the fallen tree). But in this case, there has been no property damage.
There's hardly any chance for a claim here.
It probably won't cost much. Why don't you two settle it out mutually?
Posted: Sat Dec 29, 2012 07:24 am Post Subject:
It depends on the policy you have bought. Therefore, you will have to check with the therms of the policy and have a talk with the insurer. Home insurance policies have various coverage policies, though not all cover the cost of removing a fallen tree as in your case.
Posted: Sun Dec 30, 2012 07:01 am Post Subject:
It probably won't cost much. Why don't you two settle it out mutually?
A reasonable recommendation. If there is no property damage, and assuming the tree is not more than about 40 feet tall, the cost of removal is probably not more than several hundred dollars -- perhaps $1000 to $1500 tops. Would be money well spent compared to the long term effect of a premium increase for a claim minus the deductible.
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