Cutting my own tree down and hitting my house. Is it covered by house insurance?
Tuesday, February 2nd, 2010 at
5:18 am
supahchargedgt asked:
I was cutting some trees down and bounced one off the house. I’ll have to see if there was any damage; would that be covered by insurance should something be royally messed up or is it tough luck?
I was cutting some trees down and bounced one off the house. I’ll have to see if there was any damage; would that be covered by insurance should something be royally messed up or is it tough luck?
Thanx
Tagged with: Cutting Trees • House Insurance • Tough Luck
Filed under: Homeowners Insurance
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dont risk it, tell them it fell in last nights storm.
tough crap dear. insurance fraud usually is frowned upon….
It would have to be classified as a covered peril. Examples of viable tree perils are wind, lighting, falling objects. Cutting down your own tree is not a covered peril.
The adjuster will probably figure it out if you make a claim.
Don’t lie about what happened. Turn the claim in, tell the truth, and see if the insurance company will pay. Two weeks ago, I had a client call me, and he had done the same thing you did. We filed the claim with the company, and much to my surprise, it was covered. I can’t guarantee your company will cover this claim, but its worth a shot.
Any damage the tree does to your house, is covered, subject to your deductible. It’s considered a falling object.
I’m assuming, of course, you have a standard HO3 type homeowners policy.
if you did this on purpose, then its not covered.
but, i doubt you did this on purpose.
so you should be ok…..
as far as committing fraud…dont do it…why expose yourself to jail for just a few thousand or less!