با برنامه Player FM !
Simply Explaining Insurance #70- Trees falling on houses
Manage episode 374113144 series 3502269
If your tree falls on your neighbors house and no one hears it, is it covered?
I jest a little, but this question gets asked regularly in my agency. I did some research with a claims supervisor and found out that trees falling on houses, are considered an act of god. Acts of god are covered on your homeowners policy much like a wind storm or hail storm.
Whosoever house is damaged is whose policy is used. If your neighbors tree falls on your house, it’s your policy that is used to fix the damage. I am sure you are wondering, what if the tree was dead and my neighbor is negligent? You would need to prove with a paper trail, that this topic has been discussed between you and your neighbor. Then you would have to show that nothing was done to rectify a potential hazard.
I discuss a few more scenarios in this 7 minute podcast, including, public trees, trees damaging cars, and how to cover trees on your policy from wind and hail.
Links:
Music by Roger Clyne and the Peacemakers
Simply Explaining Insurance on ITunes
On Android use Podcast Addict and search for Simply Explaining Insurance.
The post Simply Explaining Insurance #70- Trees falling on houses appeared first on Dietz Agency.
294 قسمت
Manage episode 374113144 series 3502269
If your tree falls on your neighbors house and no one hears it, is it covered?
I jest a little, but this question gets asked regularly in my agency. I did some research with a claims supervisor and found out that trees falling on houses, are considered an act of god. Acts of god are covered on your homeowners policy much like a wind storm or hail storm.
Whosoever house is damaged is whose policy is used. If your neighbors tree falls on your house, it’s your policy that is used to fix the damage. I am sure you are wondering, what if the tree was dead and my neighbor is negligent? You would need to prove with a paper trail, that this topic has been discussed between you and your neighbor. Then you would have to show that nothing was done to rectify a potential hazard.
I discuss a few more scenarios in this 7 minute podcast, including, public trees, trees damaging cars, and how to cover trees on your policy from wind and hail.
Links:
Music by Roger Clyne and the Peacemakers
Simply Explaining Insurance on ITunes
On Android use Podcast Addict and search for Simply Explaining Insurance.
The post Simply Explaining Insurance #70- Trees falling on houses appeared first on Dietz Agency.
294 قسمت
همه قسمت ها
×به Player FM خوش آمدید!
Player FM در سراسر وب را برای یافتن پادکست های با کیفیت اسکن می کند تا همین الان لذت ببرید. این بهترین برنامه ی پادکست است که در اندروید، آیفون و وب کار می کند. ثبت نام کنید تا اشتراک های شما در بین دستگاه های مختلف همگام سازی شود.