2006-07-24 09:38:59 · 44 answers · asked by jabella 1 in Business & Finance ➔ Insurance
Call the city
2006-07-24 09:39:59 · answer #1 · answered by Arzuita 3 · 0⤊ 1⤋
If there is a storm, then your homeowners insurance insurance will handle the claim. Take it from a person who lives in the New Orleans area. It would be considered under the clause of "Comprehensive homeowners' insurance clauses", and classified as an "act of nature", in this case. The answer is: you pay your deductible, your insurance will pick up the rest. Automatically. Just have an insurance adjuster come out to view your damages, inspect the site, and give you a quote. (Hopefully you can find repairmen who can fix everything for at or under your insurance companies' price quote for damage assessment payout.
2006-07-26 07:26:43 · answer #2 · answered by Anonymous · 0⤊ 0⤋
I think the tree falling due to "nature's force" is deemed an "act of God" or something like that. In that case your insurance would cover it.
IF your neighbor is cutting his tree down and by his actions it falls on your house - your neighbors insurance pays for it.
Not an insurance expert - definitely speak with your insurance company on "whom" is responsible. Good Luck and sorry to hear about the mishap.
2006-07-24 09:41:38 · answer #3 · answered by 'Barn 6 · 0⤊ 0⤋
Your homeowners insurance would cover it as an act of nature. Because this was due to a storm it is not your neighbor's fault. If you neighbor was cutting down his tree and it hit your home then his insurance would pay it.
2006-07-25 16:56:16 · answer #4 · answered by Anonymous · 0⤊ 0⤋
Had the same thing happen to my privacy fence last year. Despite being "an act of God", liability for repairs falls upon the insurer of the property where the tree was growing. If that property is not insured, then it would default next to your insurance.
2006-07-24 09:46:41 · answer #5 · answered by Anonymous · 0⤊ 0⤋
Your insurance will initially pay for it so you can take care of the problem. You could sue your neighbor if because he did not take care of the tree, it caused more damage. This may cost more than it is worth though.
2006-07-30 15:44:05 · answer #6 · answered by tigertiggerii 3 · 0⤊ 0⤋
Your insurance. BUT, you will only get money from your insurance if you have comprehensive damage plan. If you dont, your not covered and must pay for it yourself. It was not the intention of your neighbor nor the fault of him to damage your garage, therefore he is not liable.
2006-07-24 09:42:19 · answer #7 · answered by chrishenderson08 2 · 0⤊ 0⤋
You pay for your own property even though it was his tree, and you also have to get it removed out of your pocket , They classify this as an Act of God, so you pay for your own property. I just went through this when my neighbor's tree fell on my house during Hurricane Charlie
2006-07-24 09:42:52 · answer #8 · answered by Anonymous · 0⤊ 0⤋
You should contact your insurance company. They will make arrangements for your claim and get you reimbursed for the damages.
They will then contact the neighbor's insurance company for reimbursement since the tree was on his property therefore belongs to him.
2006-07-24 09:43:09 · answer #9 · answered by beadtheway 4 · 0⤊ 0⤋
Yours. Your homeowners insurance pays for damage done to your home. Landscape is not generally covered, so his tree falling on your house will have nothing to do with his policy.
2006-07-24 09:42:50 · answer #10 · answered by Anonymous · 0⤊ 0⤋
Your insurance pays for it. If the insurance company thinks that your neighbor has liability, they will go after him to recover. But you paid them to insure your property.
2006-07-24 09:42:23 · answer #11 · answered by TonySabs 3 · 0⤊ 0⤋