Cutting my own tree down and hitting my house. Is it covered by house insurance?
I was cutting some trees down and bounced one bad the house. I'll have to see if there be any damage; would that be covered by insurance should something be royally messed up or is it tough luck?
Thanx
Answers:
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 twist, 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 something like what happened. Turn the claim in, update the truth, and see if the insurance company will pay. Two weeks ago, I had a client call for me, and he had done the same entry you did. We filed the claim with the company, and much to my surprise, it be covered. I can't guarantee your company will cover this claim, but its worth a shot.
if you did this on purpose, then its not covered.
but, i doubt you did this conscious.
so you should be ok.....
as far as committing fraud...dont do it...why expose yourself to jail for just a few thousand or smaller amount!
Any injure the tree does to your house, is covered, subject to your deductible. It's considered a falling object.
I'm assuming, of course, you hold a standard HO3 type homeowners policy. Source(s): agent, 21+ years
dont risk it, tell them it fell in final nights storm.
Related Questions:
Thanx
Answers:
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 twist, 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 something like what happened. Turn the claim in, update the truth, and see if the insurance company will pay. Two weeks ago, I had a client call for me, and he had done the same entry you did. We filed the claim with the company, and much to my surprise, it be covered. I can't guarantee your company will cover this claim, but its worth a shot.
if you did this on purpose, then its not covered.
but, i doubt you did this conscious.
so you should be ok.....
as far as committing fraud...dont do it...why expose yourself to jail for just a few thousand or smaller amount!
Any injure the tree does to your house, is covered, subject to your deductible. It's considered a falling object.
I'm assuming, of course, you hold a standard HO3 type homeowners policy. Source(s): agent, 21+ years
dont risk it, tell them it fell in final nights storm.
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