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If a tornado rips the chimney cap off a neighbor's house and it lands on your car hood does homeowner's or auto insurance pay for the damage?
Your auto policy will cover it as a 'comprehensive' loss (if you have comprehensive coverage).
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No, that's routine maintenance and prevention. It's the responsibility of a homeowner to keep trees and shrubbery cut back far enough from your home to prevent intrusion a…nd damage to the homes structure. Answer BTW, if the tree has damaged the roof, your rate may go up or the insurance policy dropped since you had a maintenance problem that you didn't resolve. If they could prove that you KNEW about the problem and did nothing to solve it, they might not have even paid the claim.
If you buy auto insurance when your car is already damaged and needs fixed will they pay to repair it?
Answer Again, insurance fraud is a felony crime. * No. When a claim is made the owner of the vehicle is required to present the… vehicle for an inspection by the insurance claims investigator. The owner will also be required to fill out a report concerning all relevant facts to the accident (time, place, other vehicle involved, etc.) Claims adjusters/investigators are very well trained in what to look for especially when the issue may be one of a fraudulent nature. However, it is not unlikely the person would be charged with a criminal offense, unless the insurance provider paid the claim (not likely) and it was later proven the insured intended to defraud the provider. Answer Still fraud, still a felony. * No, insurance coverage/reimbursement whether vehicle or other property is not retroactive. Answer That's fraud and it's very easy to detect, so unless you want to be arrested and prosecuted, I wouldn't try it.
Answer No, unless he ruined someone else's carpet other than your own and then your homeowner's liability would cover it. Animal damage is almost always excluded cau…sed by both domestic and wild animals. A rare example where damage from an animal might be covered is if the animal did something that resulted in a fire. Answer No
If a person commits suicide in a vehicle and there was damage to the car would your auto insurance pay?
As the owner of a property you have a duty to take steps to secure your property and make it safe. You also have an obligation to address maintenance issues that might enda…nger others. If you know the tree is a threat, you have a duty to remove or mitigate the threat in some way. failure to address a known threat to the safety of others that exists on your property can be construed as negligence. It's a maintenance issue and Home Owners Insurance does not provide payment for maintenance.
If a neighbor's tree falls on my car and I don't have auto insurance to cover damage does he have any responsibility or does my homeowner's insurance provide any coverage?
Fortunately, In the United States at least, no one is held liable for acts of nature. It does not matter whether the tree fell from your yard, your neighbors yard or was blown… in from from some national forest down the street or some other yard due to a natural occurrence. In almost all cases in the U.S. barring some proven negligence, it is our own responsibility. The average homeowner is not expected to be an expert on trees. With respect to your own home insurance, there would be no coverage for your un-insured vehicle. Homeowners insurance does not cover automobiles. That's what Auto Insurance is for. Answer If your neighbor's tree is dead and they did not remove it, it may fall under their insurance. If it is living, then it would fall under your auto policy. If you don't have coverage, then you would have to cover the loss out of pocket.
If your car is hit by debris from a roof will the homeowner's insurance pay or will your car insurance have to pay?
Depends if it is (1)your roof and your car, (2)your neighbors roof and your car, or (3)your roof and your neighbors car. 1 - You can't sue yourself so your homeowne…r's liability is out of the question, if you have comprehensive coverage on your car it will be subject to that deductible and your car insurance will pay. 2 - Your neighbors homeowner's liability coverage will pay for the damage to your car. 3 - Your homeowner's liability coverage will pay for damage to their vehicle. 2 or 3 you may want to get an estimate on how much it will cost to fix your vehicle, having a homeowners claim can seriously impact your ability to qualify for competitive homeowners insurance rates and you should only file claims against your homeowners if it is truly necessary. I would say if the cost to repair the car is under $2500 you should work out an agreement with to pay out of pocket instead of through homeowners, unless you can get a gaurantee in writing from the homeowners insurance saying your rates will not go up due to the claim. Good luck.
Snow fell down off your roof and damaged the hood of your car Will your full coverage auto insurance cover the cost of new hood?
Yes, comprehensive coverage should pay for incidents such as this.
Rebuilding the house and buying all new items to replace those damaged
When you are in an auto accident with no insurance will the other persons insurance pay for their cars damages?
Their insurance policy will pay for their own car. However you must know it's against the law not to have insurance coverage for your auto.
Most home insurance policies do not cover normal and expected ground settling. However, you can check your policy or telephone your insurance agent and find out if you have co…verage for ground movement.
Actually this is a little tricky. You cannot be liable to your self. The way this works is that your home insurance coveres damage by vehicles so it would pay for damage to th…e home itself. You automobile insurance will cover damage to your vehicle. The bad part about this is that it may incur two deductibles, one from your home insurance policy and one from your auto insurance policy. If both policies are with the same company there may be some type of waiver for one of the deductiles but this is not standard and is different from company to company.
Generally yes, subject to your standard deductible if any.
That most likely depends on your insurance policy, so it is advisable that you review your insurance polcy to see if tornado damage is covered. If not, insurance for torna…does can be purchased.
You had your tree removed that was overhanging your neighbor's chimney. Now the neighbor is claiming his chimney was damaged. He doesn't live in the house. What can you do?
You mentioned several important facts in your question. First and foremost you should be open and fair minded regarding this situation. If the tree was hanging over the chimne…y it didn't happen overnight. You obviously allowed your tree to hang over your neighbor's house for years. Over the years it may have caused damage both from moisture and from the limbs hitting the chimney during storms. Also the chimney could have been damaged during the tree removal. If your neighbor doesn't live in the house then he may have only recently noticed the damage. It hasn't been that long since the tree was removed. It is likely he has at least 2-3 years to sue for damages. It will be less costly for you to think about paying for at least part of the damages. You should think about hiring an expert in chimney construction and repair to inspect the chimney and give you a report as to the extent of the damage, the likely cause and the cost of repairs. If anyone has any photos of the tree when it was overhanging the chimney they might be helpful to the inspector. You might call your homeowner's insurance company for advice. Perhaps they could give you the name of a good inspector. However, if making a claim would increase your premium you should check the cost of the repair first. It may be better for you to pay it out of pocket. Depending on the results of the inspection (was it your tree that caused any damage? age? normal wear & tear?) and the cost of the repair you might offer to share the expenses with the other homeowner.