If a tree falls on your car/house

[Aimster]

Recall watching all those Judge shows on T.V that the answer was usually no, "act of God".

 

[lozina]

Originally posted by: Aimster
If a tree falls on your car/house ...

and no one is around to hear it - does it make a noise?


sorry... couldn't resist

 

[SunnyD]

Originally posted by: lozina

Originally posted by: Aimster
If a tree falls on your car/house ...

and no one is around to hear it - does it make a noise?


sorry... couldn't resist

I was going to say "Yes... it makes a sound." :laugh:

Just pray you have comp on your car.

 

[Demon-Xanth]

Depends on your coverage.

 

[DisgruntledVirus]

For your car. Yes if you have comp on it.

For your house, if it's on your property it depends on your policy but it should. It depends on whose property it's on, and if the tree is rotted or not.

 

[JulesMaximus]

Originally posted by: Aimster
Recall watching all those Judge shows on T.V that the answer was usually no, "act of God".

I just tell them I don't believe in god.

 

[Uppsala9496]

Most if not all property insurance will cover acts of god (weather related damage). Of course each policy is different.
Mine for example would cover this. It will not cover a flood. I also happen to live in a second story condo, so if we get water that high, we are all fucked.

 

[IHateMyJob2004]

Tree on house, yes. I'm sure it depends on coverage though. And I know this because my in laws over the past 3-4 years have had two trees fall on their vacation home. All covered by insurance. Sometimes, insurance companies will tell you to remove trees though and if you don't and they fall on your home you are are SOL. This is rare though.


Tree on car ... I don't know

 

[Uppsala9496]

Tree on car *should* be covered. Now if it falls to your homeowners or auto insurance is another matter. Would depend on policy language.
A lot of insurance policies have exclusion language along the lines of "which is insured in whole or in part by another valid policy, except..." and then it goes on with the exceptions in relation to excess, contribuory, primary, contingent policies.

 

[waggy]

Originally posted by: Uppsala9496
Most if not all property insurance will cover acts of god (weather related damage). Of course each policy is different.
Mine for example would cover this. It will not cover a flood. I also happen to live in a second story condo, so if we get water that high, we are all fucked.

yeap. mine would cover it also (only worry about tornado's out here). No flood insurance either. But if we get a flood that is bad enough here in IL we are fucked heh.

 

[GasX]

It depends on whether or not the branch is a dead one and on whose property the tree is on.

 

[Lola]

Yea, listen to a judge on TV...

Yes, if you have the proper coverage, it will be covered. For auto, it is under comprehensive. That covers things other than collision, including "acts of God".

House... same thing, will be covered if you have the proper home owners "form" coverage. Deductible always applys on both accounts.

 

[waggy]

Originally posted by: Lola
Yea, listen to a judge on TV...

Yes, if you have the proper coverage, it will be covered. For auto, it is under comprehensive. That covers things other than collision, including "acts of God".

House... same thing, will be covered if you have the proper home owners "form" coverage. Deductible always applys on both accounts.

what! whats wrong with Judge judy!?


heh joking. while i love the show (and peoples court!) i wouldn't use them as a reference to any laws. though i have learned from it to get EVERYTHING in writing.

 

[Jeeebus]

well State Farm has told us that we're covered... though we won't know the extent of the damage until the power company gets the power lines and tree off the car

 

[Baked]

There won't be an if, because I've already cut down all the trees around my house. What!

 

[Lola]

Originally posted by: Jeeebus
well State Farm has told us that we're covered... though we won't know the extent of the damage until the power company gets the power lines and tree off the car

What is your comprehensive deductible? I would suggest making sure it is rather low (around $50 or $100) as it is not that much more per month compared to have a $500 ded. Plus, keep in mind, this usually will cover things as windshield/glass breakage, if you hit an animal, etc.

PS... I always told my customers that if the find they are going to hit a deer, dog, etc. to hit the animal (as cruel as it sounds) instead of veering off and hitting another car, ditch, pole. If you hit the animal, it will not be considered an at-fault accident and will fall under comprehensive instead of collision. If you were to hit another object, it is considered an accident and you will be at fault. That in turn will cause your rates to go up.

 

[purbeast0]

2 HUGE trees fell on this house accross the street and 3 hours down from him last weekend. they were SSSOOO big and fell from the backyard. they didn't look too big from the front, but when we went golfing you could see them from the back where the root was pulled up out of the ground, and the root was probably 20ft in diameter.

he said when the cleanup crew came they first said they wanted $10k to get the trees off the house, but he said fvck off and finally got it lowered to $3k.

insurance covered it, but i think the reason they asked so much initially is because they figure insurance will just cover it all and pay them back.

 

[Lola]

Oh, that reminds me... If a tree falls on your property yet does not really do any damage, an insurance company does not have to pay for removal. They might give $x.xx amount of money to help with the take down and clean up, but unless it falls on SOMETHING, it does not have to be covered.

 

[Uppsala9496]

Oh and if you ever get any damage from an animal (squirrel, possum, mice, etc) say it was a raccoon. Homeowners won't covers pests/vermin (which squirrels are considered).

Over the winter a squirrel got into the garage at my lakehouse and decided that the interior of my boat would make a great nest.
Well, the interior got fucked. All the seats and cushions got destroyed. Had I mentioned a squirrel did it, the insurance wouldn't cover it. Had a I mentioned a raccoon, well, then it would be covered.

I haven't made a claim on it yet since I plan on dumping the boat for a new one and the deductible vs. value of the boat is in debate in terms of the trade in value.

 

[DisgruntledVirus]

Originally posted by: Lola

Originally posted by: Jeeebus
well State Farm has told us that we're covered... though we won't know the extent of the damage until the power company gets the power lines and tree off the car

What is your comprehensive deductible? I would suggest making sure it is rather low (around $50 or $100) as it is not that much more per month compared to have a $500 ded. Plus, keep in mind, this usually will cover things as windshield/glass breakage, if you hit an animal, etc.

PS... I always told my customers that if the find they are going to hit a deer, dog, etc. to hit the animal (as cruel as it sounds) instead of veering off and hitting another car, ditch, pole. If you hit the animal, it will not be considered an at-fault accident and will fall under comprehensive instead of collision. If you were to hit another object, it is considered an accident and you will be at fault. That in turn will cause your rates to go up.

QFT. Always hit the animal. Hitting basically any other object will be an at fault as Lola says. At faults are BAD (obviously). Comp will generally not affect your rates (unless its excessive), but collision almost always will.

 

[InverseOfNeo]

Is the tree a ficus?

 

[alkemyst]

Originally posted by: Lola

Originally posted by: Jeeebus
well State Farm has told us that we're covered... though we won't know the extent of the damage until the power company gets the power lines and tree off the car

What is your comprehensive deductible? I would suggest making sure it is rather low (around $50 or $100) as it is not that much more per month compared to have a $500 ded. Plus, keep in mind, this usually will cover things as windshield/glass breakage, if you hit an animal, etc.

PS... I always told my customers that if the find they are going to hit a deer, dog, etc. to hit the animal (as cruel as it sounds) instead of veering off and hitting another car, ditch, pole. If you hit the animal, it will not be considered an at-fault accident and will fall under comprehensive instead of collision. If you were to hit another object, it is considered an accident and you will be at fault. That in turn will cause your rates to go up.

I have never found deds. on comp/collision below $500 are just a 'little' more money...doing the math ends up being much more than having to come out of pocket $500 overall...

Perhaps if you have people constantly making claims then it may pay off well.

Windshield coverage here is $0 ded, just requires any comprehensive policy.

 

[Shawn]

Isn't that what insurance is for?

 

[BlahBlahYouToo]

it's covered. happened to a few of my neighbors during a storm last year.
fortunately, we don't have any trees near our property.

 

[Alyx]

Originally posted by: DisgruntledVirus

Originally posted by: Lola

Originally posted by: Jeeebus
well State Farm has told us that we're covered... though we won't know the extent of the damage until the power company gets the power lines and tree off the car

What is your comprehensive deductible? I would suggest making sure it is rather low (around $50 or $100) as it is not that much more per month compared to have a $500 ded. Plus, keep in mind, this usually will cover things as windshield/glass breakage, if you hit an animal, etc.

PS... I always told my customers that if the find they are going to hit a deer, dog, etc. to hit the animal (as cruel as it sounds) instead of veering off and hitting another car, ditch, pole. If you hit the animal, it will not be considered an at-fault accident and will fall under comprehensive instead of collision. If you were to hit another object, it is considered an accident and you will be at fault. That in turn will cause your rates to go up.

QFT. Always hit the animal. Hitting basically any other object will be an at fault as Lola says. At faults are BAD (obviously). Comp will generally not affect your rates (unless its excessive), but collision almost always will.

So in other words: If it is a deer, hit it, 10 points. If its a herd of cattle, hit the ditch.