Neighbors trampoline blew into our yard and damaged our property,will our home owners insurance cover it if the neighbors refuse to pay for it?
2007-06-02 14:01:15 · 7 answers · asked by aadbmoore 1 in Business & Finance ➔ Insurance
Their homeowners insurance may cover it.
Call your insurance company and tell them what happened, they will sort it out.
2007-06-02 14:05:08 · answer #1 · answered by No Chance Without Bernoulli 7 · 0⤊ 0⤋
If you are properly insured you should be able to file a claim with your insurance company and let them go after the neighbor for it. Keep in mind that you have a deductible of at least $500. That means that you are responsible for the first $500 of damages. You will also be responsible for collecting this $500 from your neighbor. There is a good chance that you would have to take them to court and even there is no guarantee that they will pay. If the neighbor has property insurance you might be able to go after their insurance company. Talk to your neighbor, your insurance company and maybe a free consultation with a lawyer.
Do not be surprised if you get nowhere with this and end up wasting a bit of time.
** acts of wind(god) apply to nature. A tree is nature, a trampoline not properly secured is not an act of Nature. Check further in to this.
2007-06-02 14:11:22 · answer #2 · answered by Wade M 3 · 0⤊ 0⤋
yes wind is an act of God, so no liability.
Furthermore depends on what property was damged as there are certain limitations for outside type property under your policy. There is an outside chance some type of ordinance might apply to trampolines as respects proper anchoring...thats sort of far fetched but that would possibly be a opening for neighbors negligence. I have seen those trampolines flying around during windstorms and they should be somehow secured.
The proximate cause is windstorm so your policy covers the loss subject to your deductible and the outside property limitations.
2007-06-03 02:23:27 · answer #3 · answered by R B 4 · 0⤊ 0⤋
It will be covered under your policy. It is not your neighbors responsibility as they did nothing wrong (they are not liable/negligent). This is no different then if your healthy tree blew over onto the neighbors house. You and the neighbor can not control the weather. They should not have to pay for something out of their control.
2007-06-02 14:48:01 · answer #4 · answered by mamatohaley+1 4 · 0⤊ 0⤋
Depends on what the "property" is, and the type of policy you have. If it's a pool, there's an exclusion for wind-driven objects. If it's the building (like siding or windows), then yes, but it will be subject to your deductible.
2007-06-03 13:49:12 · answer #5 · answered by Anonymous 7 · 0⤊ 0⤋
Their warranty won't pay but their home owner's insurance should pay without involving your own personal policy. If the leak was on their side and it damaged your property then they are liable.
2016-05-19 21:55:27 · answer #6 · answered by ? 3 · 0⤊ 0⤋
mamatohaley is 100% correct.
2007-06-02 15:16:18 · answer #7 · answered by DrJonClark 3 · 0⤊ 0⤋