My neighbors tree fell on my shed, across my driveway, or on my fence – whose insurance covers the damage? Unfortunately, your insurance company is the one that gets the call for damage to your property and is responsible for the tree cleanup on your property, while you get stuck paying your deductible. There are a few occasions when this is not the case, but those generally revolve around lawyers and certified letters.
When is the cleanup of a tree that fell over covered, & when isn’t it? If a tree falls over & hits a structure on your property, or blocks your driveway the cleanup & disposal costs are generally covered by the insurance company. If none of the above apply, you are fully responsible for all costs associated with the cleanup.
I have Full Replacement coverage, but they sent me a check minus deprecation, why didn’t they pay the full amount? Most replacement-cost homeowner’s policies today include a ‘recoverable depreciation’ clause. This allows the insurer to hold back a portion of the proceeds until you prove your repairs are complete. Once the repairs are completed, & you send in the proof, the final check is in the mail.
My insurance company wants me to get three estimates, but I already have found the contractor I trust, is licensed, etc… The simple answer is to simply state “Show me in my policy where that is required…” It isn’t a requirement & the insurance company may simply be objecting based on their estimate. Well there estimate is just that, an Estimate based on the lowest price data that they were able to negotiate similar jobs for in the past.
Remember that the Insurance Company is legally responsible for reimbursing you for the exact amount of the “Replacement Cost for like kind & quality” required to make their you whole again, minus your require deductible.
Review your policy now – before you need it
What hapens if I spot damage occuring during a storm
I just found out my ice maker line broke, or oh man what do I do now?
Getting your life back – the appraisal & rebuilding