Wind damage
Well, this evening, we have been pained with severe winds. Just after sunset, I heard a crash in the back yard and saw a large limb in my neighbor's yard. I had to put some shoes on and as I walked ...
Forum Discussion
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A couple of interesting questions were introduced and remain.
One question would be how far could one officially be liable to a neighbor for a tree branch, if one ever is liable at all. In other words is there a law that says the tree was within a precise 100 foot radius of the neighbors camper, and therefore liable, or not? How about a half mile, or more?
A surprise is that earthquake insurance apparently exists as a special "side" policy along similar lines as "special" flood insurance.
I didn't know that about earthquakes. :E
The standard policy typically does not cover flooding from an exterior cause, but what about earthquakes?. :h
I was specifically made aware of flood insurance when the Missouri river flooded in my city a couple of years ago. Having previously lived in a flood area, I purposely bought property high and dry from all but total dam failure, and did not feel the need to buy flood insurance. Since there had been minor flooding the year before, some friends living within the 100 year flood plane area bought Federal Flood Insurance and some didn't. Some unsuccessfully tried to buy it when the new major flood was already inevitable. All expected, nearly demanded, Federal help in the aftermath.
So the second question remains. If my home and/or camper are damaged by an earthquake, will my standard homeowners insurance still cover it? The Missouri River lies along a known fault line and minor tremors are read occasionally. OTOH, the earthquake insurance may not matter, since an earthquake would probably take the upstream Missouri dam(s) with it. And, voila, here I am with no special flood, earthquake, or meteor insurance. The sole purpose of my anemic policy is apparently to protect my insurance company and their investors.
Wes
...
A couple of interesting questions were introduced and remain.
One question would be how far could one officially be liable to a neighbor for a tree branch, if one ever is liable at all. In other words is there a law that says the tree was within a precise 100 foot radius of the neighbors camper, and therefore liable, or not? How about a half mile, or more?
A surprise is that earthquake insurance apparently exists as a special "side" policy along similar lines as "special" flood insurance.
I didn't know that about earthquakes. :E
The standard policy typically does not cover flooding from an exterior cause, but what about earthquakes?. :h
I was specifically made aware of flood insurance when the Missouri river flooded in my city a couple of years ago. Having previously lived in a flood area, I purposely bought property high and dry from all but total dam failure, and did not feel the need to buy flood insurance. Since there had been minor flooding the year before, some friends living within the 100 year flood plane area bought Federal Flood Insurance and some didn't. Some unsuccessfully tried to buy it when the new major flood was already inevitable. All expected, nearly demanded, Federal help in the aftermath.
So the second question remains. If my home and/or camper are damaged by an earthquake, will my standard homeowners insurance still cover it? The Missouri River lies along a known fault line and minor tremors are read occasionally. OTOH, the earthquake insurance may not matter, since an earthquake would probably take the upstream Missouri dam(s) with it. And, voila, here I am with no special flood, earthquake, or meteor insurance. The sole purpose of my anemic policy is apparently to protect my insurance company and their investors.
Wes
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