Originally posted by: mercanucaribe
You can buy a chainsaw for less than $500, or just use a wood saw. Get rid of it yourself. Or even better, chop it up into stumps, and set them up as stools in your yard or house. Use the branches for firewood. No reasno to waste perfectly good wood!
Originally posted by: purepolly
got another quote - $1000, but the guy padded the estimate so the insurance co will pay my $500 deductible. So I only would have to give him $500. Has anyone done this? Will the insurance co ask for a copy of the check or whatever?
Originally posted by: rml
Unless it already destroyed part of your home structure and cutting the tree is only a part of the claim., you should pay it out of your own pocket. Never ever try to file a claim on your home insurance for such small amount.
If you filed a claim, it will be hard to get renewal and they might raise your rate next year.
Home insurance only is for HUGE figure amount. No exception. Besides, there is always a deductible, a typical deductible is usually $500-$1000. You ended up paying it out of your pocket, so why claim it and make a bad mark on your insurance record.
Originally posted by: rml
Unless it already destroyed part of your home structure and cutting the tree is only a part of the claim., you should pay it out of your own pocket. Never ever try to file a claim on your home insurance for such small amount.
If you filed a claim, it will be hard to get renewal and they might raise your rate next year.
Home insurance only is for HUGE figure amount. No exception. Besides, there is always a deductible, a typical deductible is usually $500-$1000. You ended up paying it out of your pocket, so why claim it and make a bad mark on your insurance record.
Originally posted by: purepolly
Originally posted by: rml
Unless it already destroyed part of your home structure and cutting the tree is only a part of the claim., you should pay it out of your own pocket. Never ever try to file a claim on your home insurance for such small amount.
If you filed a claim, it will be hard to get renewal and they might raise your rate next year.
Home insurance only is for HUGE figure amount. No exception. Besides, there is always a deductible, a typical deductible is usually $500-$1000. You ended up paying it out of your pocket, so why claim it and make a bad mark on your insurance record.
from Clarkhoward.com
Unless your mortgage company prohibits it, Clark would like you to boost your deductible to $2,500. Most people have a $500 deductible, but that is not a good idea. Why? First of all, you pay a lot more in insurance costs. Secondly, if you make a claim against your homeowner?s insurance for a small amount of money, the insurer may treat your horribly. Sure, they?ll pay the claim. But they may fire you after. So, you only want to use homeowner?s insurance for catastrophes.
Oh, yeah, part of the deck is gone as is the gutters, some shingles and who knows what else...
Originally posted by: rml
Originally posted by: purepolly
Originally posted by: rml
Unless it already destroyed part of your home structure and cutting the tree is only a part of the claim., you should pay it out of your own pocket. Never ever try to file a claim on your home insurance for such small amount.
If you filed a claim, it will be hard to get renewal and they might raise your rate next year.
Home insurance only is for HUGE figure amount. No exception. Besides, there is always a deductible, a typical deductible is usually $500-$1000. You ended up paying it out of your pocket, so why claim it and make a bad mark on your insurance record.
from Clarkhoward.com
Unless your mortgage company prohibits it, Clark would like you to boost your deductible to $2,500. Most people have a $500 deductible, but that is not a good idea. Why? First of all, you pay a lot more in insurance costs. Secondly, if you make a claim against your homeowner?s insurance for a small amount of money, the insurer may treat your horribly. Sure, they?ll pay the claim. But they may fire you after. So, you only want to use homeowner?s insurance for catastrophes.
Oh, yeah, part of the deck is gone as is the gutters, some shingles and who knows what else...
Originally posted by: purepolly
Originally posted by: rml
Originally posted by: purepolly
Originally posted by: rml
Unless it already destroyed part of your home structure and cutting the tree is only a part of the claim., you should pay it out of your own pocket. Never ever try to file a claim on your home insurance for such small amount.
If you filed a claim, it will be hard to get renewal and they might raise your rate next year.
Home insurance only is for HUGE figure amount. No exception. Besides, there is always a deductible, a typical deductible is usually $500-$1000. You ended up paying it out of your pocket, so why claim it and make a bad mark on your insurance record.
from Clarkhoward.com
Unless your mortgage company prohibits it, Clark would like you to boost your deductible to $2,500. Most people have a $500 deductible, but that is not a good idea. Why? First of all, you pay a lot more in insurance costs. Secondly, if you make a claim against your homeowner?s insurance for a small amount of money, the insurer may treat your horribly. Sure, they?ll pay the claim. But they may fire you after. So, you only want to use homeowner?s insurance for catastrophes.
Oh, yeah, part of the deck is gone as is the gutters, some shingles and who knows what else...
So what is the cost cut-off point? I haven't got a clue as to how much it will cost to fix the deck, etc...
Originally posted by: NutBucket
Originally posted by: purepolly
Originally posted by: rml
Originally posted by: purepolly
Originally posted by: rml
Unless it already destroyed part of your home structure and cutting the tree is only a part of the claim., you should pay it out of your own pocket. Never ever try to file a claim on your home insurance for such small amount.
If you filed a claim, it will be hard to get renewal and they might raise your rate next year.
Home insurance only is for HUGE figure amount. No exception. Besides, there is always a deductible, a typical deductible is usually $500-$1000. You ended up paying it out of your pocket, so why claim it and make a bad mark on your insurance record.
from Clarkhoward.com
Unless your mortgage company prohibits it, Clark would like you to boost your deductible to $2,500. Most people have a $500 deductible, but that is not a good idea. Why? First of all, you pay a lot more in insurance costs. Secondly, if you make a claim against your homeowner?s insurance for a small amount of money, the insurer may treat your horribly. Sure, they?ll pay the claim. But they may fire you after. So, you only want to use homeowner?s insurance for catastrophes.
Oh, yeah, part of the deck is gone as is the gutters, some shingles and who knows what else...
So what is the cost cut-off point? I haven't got a clue as to how much it will cost to fix the deck, etc...
Honestly, unless your house burns to the ground you're better off paying out of pocket. Homeowner's insurance is the biggest scam ever.
EDIT: That's not a lot of damage. A handyman could fix that all that in a day for a few hundred (under 500) bucks.