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storm damage, insurance, & liability
Henry0Reilly
Member Posts: 10,878 ✭✭✭
A storm took part of a limb off a tree in my g/f's yard. It landed on her neighbor's house knocking a small
section of guttering loose on the near side and much of the limb went over the house.
The neighbor thinks they've hit the lottery and my g/f's homeowner's insurance is going to pay big money for
roof repairs, but there doesn't appear to be any damage. I made the mistake of pointing out the coping
shingles look odd and neighbor thinks the limb going over had something to do with it.
I offered to reattach the gutter at no cost. Neighbor won't hear of it. Pretty sure nobody's insurance
is going to pay to repair that gutter. It probably costs less than the owner's deductible and I don't see how
my g/f's insurance company would find any liability on her part.
I suppose there's a slight chance they might pay since it would cost less than defending a lawsuit.
section of guttering loose on the near side and much of the limb went over the house.
The neighbor thinks they've hit the lottery and my g/f's homeowner's insurance is going to pay big money for
roof repairs, but there doesn't appear to be any damage. I made the mistake of pointing out the coping
shingles look odd and neighbor thinks the limb going over had something to do with it.
I offered to reattach the gutter at no cost. Neighbor won't hear of it. Pretty sure nobody's insurance
is going to pay to repair that gutter. It probably costs less than the owner's deductible and I don't see how
my g/f's insurance company would find any liability on her part.
I suppose there's a slight chance they might pay since it would cost less than defending a lawsuit.
I used to recruit for the NRA until they sold us down the river (again!) in Heller v. DC. See my auctions (if any) under username henryreilly
Comments
Sleep easy there is not much he can do to get a new roof on your dime.
This is going to cost you.
I have a neighbor that had a sick tree, and I asked them to remove it. They refused to, so I called my insurance company, and that is what they told me to do. They told me if I do not send him a registered letter about it then it will be my responsibility to take care of it at the damages.
And because I already informed my insurance company about that tree, they said they will not cover any damages if the wind storm brought down some or all of that tree on my house.
So I wrote a letter stating that they had a sicktree and that it was in danger of damaging my house, and if they do not fix the problem and it damages my house, they will be liable for damages, not only physical damages, but civil damages.
When he received The letter, he came over and started chewing me out telling me that it would be my responsibility if it damaged my house because that's what his insurance company told him. I told him you better contact a lawyer about this because this is what my insurance company said.. now that you have been lawfully informed through registered mail you will be liable for the damages. A week later he cut the tree down. That was over a year ago, he still hasn't talk to me. Which makes me happy
10 ft of tree in my yard - 40 in his. We both had insurance and they each did their part.
Rest assured. Insurance companies like banks have it all coverd.