Will insurance cover my neighbor's lost? What will happen if there is lost of life?
2007-01-05 05:21:16 · 11 answers · asked by Stephen 2 in Politics & Government ➔ Law & Ethics
Not unless you were somehow negligent
If the tree was a danger to begin with (about to fall down) then maybe.
otherwise, nope
2007-01-05 05:23:29 · answer #1 · answered by BigD 6 · 0⤊ 0⤋
Yes, you're liable, especially if the tree is in poor health and should have been cut down prior to the storm knocking it down.
Loss of property should be covered by your homeowner's insurance. Loss of life is a different matter. Your homeowners should have personal injury attached to it, but loss of life carries the potential for a wrongful death lawsuit.
Speak with your insurance agent about the specific conditions, limitations etc of your policy and the laws in your state.
2007-01-05 13:24:29 · answer #2 · answered by thegirlwholovedbrains 6 · 1⤊ 1⤋
In Oklahoma, you would be liable and your homeowner's insurance should pay. If you know the tree's dead, have it removed. We had a 60 foot pecan tree fall and barely miss our neighbors. We had tried for 2 months to get bids, only one guy showed up to bid then never returned calls to get it done. When it fell, a branch about 6 inches across went through our roof and poked a hole through my oldest daughter's water bed. If she'd been in it, she'd be dead.
2007-01-05 15:51:58 · answer #3 · answered by yfrkim 2 · 0⤊ 0⤋
Depends on the position of the tree, and it's condition prior to the storm. The two insurance companies will probably come to an arrangement to split the cost, although they may have clauses in cheaper policies disallowing storm damage.
2007-01-05 13:33:22 · answer #4 · answered by Anonymous · 1⤊ 0⤋
Yep, its not an act of God unless its your own house and your insurance company might make a case for that. You are responsible for trees on your property and if they fall across your property line and do damage just hope your homeowners policy will pay.
2007-01-05 13:23:50 · answer #5 · answered by Tom W 6 · 0⤊ 0⤋
That happened to me, a few years back. Our neighbor had a huge tree on our fenceline, that was dead and we kept asking them to remove it, before a storm knocked it down. Well they didn't remove it and it fell on my home and garage causing massive damage. The insurance companies and our attorney said they were responsible, since they knew it was dead and could fall. They paid all the damages.
2007-01-05 13:25:57 · answer #6 · answered by TC 3 · 1⤊ 0⤋
I think it would depend if he had reported it as a potential problem. If he has, you may be liable for something. If you think it is possible to fall and hurt someone, then to save you problems, maybe you could have it cut down or trimmed
2007-01-05 13:29:50 · answer #7 · answered by READER 1 5 · 0⤊ 0⤋
I'm not quite sure. The true neighborly thing would be to trim or, if needed, remove that "accident waiting to happen". Wouldn't you expect the same? Maybe even work together on the problem.
2007-01-05 13:29:27 · answer #8 · answered by Jackie M 1 · 1⤊ 0⤋
Yup, the tree is your property, therefore you are liable.
2007-01-05 13:23:59 · answer #9 · answered by trebs 5 · 1⤊ 1⤋
Maybe it's different state to state.In NJ no, you're not liable.
2007-01-05 13:29:35 · answer #10 · answered by Dr. NG 7 · 0⤊ 0⤋