improperly park pick up truck ran into home, owner to pay damages?

Question

I would like to hear from anyone who has had to deal with this. What about structural damage? I as for a structural assessment and the insurance balked

Answer 1

Well, you need to start by specifying the home owner or the truck owner and whose insurance balked. Normally, if a vehicle runs into a building, the liability insurance on the vehicle comes into play and the home owners insurance company negotiates then sues if needed the other insurance company to collect.
Any time something like this where house damage occurs (falling tree, undriven vehicle, driven vehicle) a structural assement MUST be done, because paying for superficial repairs and signing off on the job being done ignores broken beams, damage to pipes and to wiring.

Answer 2

I'm a little confused, because you say the truck was parked. The auto insurance should pay for the damage, unless the owner was uninsured or underinsured. Then your homeowner policy should kick in. You can still sue them, but if they are running around without insurance...chances are they are broke anyway.

The insurance can balk all they want. You are entitled to a structural assessment. Mention a lawyer and see what happens.
If all else fails, get a lawyer!

Answer 3

You will only need a structural assessment if the vehicle did MAJOR damage to the load bearing walls and foundation of your house. You need to hold off on any 'engineering student' demands of the insurance company for now. If all your interior doors no longer shut or your windows won't open then it may be time to get an inspector involved.

Answer 4

I have the same question: how did a parked truck hit the house?

If the owner of the truck is responsible for the accident, and if he has liability insurance, his insurance should pay for the damages.

If you have homeowners' insurance, use your own insurance. Chances are you have replacement cost coverage so you won't have to consider depreciation in any settlement.

If you want to hire a structural engineer, do it. Or find a contractor of your own to prepare an estimate, and he can determine if he needs an engineer. If he does, your insurance and/or the liability insurance will have to pay for it.

Answer 5

Of course they would balk. Their job is to make you whole and pay for your damages. A structural assessment goes far beyond your damages.

It would be like me demanding my engine be taken apart to see if the rings were affected because you ran into me and might have jarred the engine.

Answer 6

I am not sure how a parked behicle runs into anything, unless you are saying the brake wasn't set and the vehicle rolled into the house. You claim with your home insurance, they assess the damages, start the repair process, and subrogate against the owner/driver of the vehicle.

Answer 7

This can be an auto insurance claim or it can be a Home Owner's claim. Did you try both companies for imformation?

By the way, how did an improperly PARKED truck run into a home? If it's parked it's not moving!

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Answer 8

in case you do, and no harm is discovered, you're out the fee. in case you pay and discover harm, watching the fee of the abode, there might no longer be adequate components harm coverage to cover STRUCTURAL harm (examine what the minimum shrink is on your state - maximum states have a minimum of $10,000). the problem with looking the wear and tear, is that the components vendors coverage would not cover foundations in any respect. so which you will nevertheless be required to restoration it, however the initiating artwork basically isn't coated, and if the bounds are not extreme adequate, you would be wanting a difficulty. What *I* might do if it have been me, is enable that coverage corporation restoration the wear and tear, yet do no longer sign off on a "waiver of destiny harm". shop a focused eye out on the abode over the subsequent 12 months (freeze/thaw/freeze/thaw seasons) to confirm if there are any new cracks or traces that develope. To coach they're new, you are going to might desire to image the whole interior, and entire exterior, of the abode, NOW, in the previous there are any cracks. Then after a freeze/thaw cycle or 2, you will see if there is any new settling, that ought to be attributed to the twist of destiny, and positioned up supplemental claims. this is not likely that the abode has initiating harm, btw, except it relatively is relatively previous, like over seventy 5 years previous, or replaced into no longer precise built in the 1st place.

Answer 9

The owner of pickup is liable for the damage. Have you asked for his or her vehicle insurance info?