Insurance Queston
Hello Everyone, I have a question I was hoping someone may have some input on with their own experience. I actually hope no one has had this happen to them but I feel our insurance company my be ab...
Forum Discussion
The tree falling was an act of nature and thus no one at fault. Your insurance covers damage. If the tree was dead, then tree owner at fault for not taking it down but his homeowners would cover it. If tree owner felled the tree and accidentally hit your property still at fault.
Just because it was accidental does not absolve liability.
Just because it was accidental does not absolve liability.
rgatijnet1 wrote:wildtoad wrote:
Homeowner is at fault for causing the fire albeit accidentally and thus liable for the neighbors damage. The neighbor and their insurance company is right to seek damages from the homeowner. Whether or not op has liability coverage to pay for the neighbors loss is between him and his insurance company.
That is wrong if it was ruled an accident. My neighbor's tree fell on to the roof of our house. His insurance coverage/responsibility ended at the property line. My insurance had to cover the cost to repair our roof and remove the tree on my property.
That is why the OP needs to talk to the State Insurance Commission for guidance.
