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I've had a similar issue - I was told to make my neighbour personally liable for any damage and subsequently they can make the claim asked the personal liability section of their house insurance. Thus their house insurance settling my claim for damages

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โˆ™ 2015-07-15 21:09:05
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Q: Does homeowners insurance cover damage to your neighbor's property caused by tree roots from a tree on your property?
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Does my homeowners insurance cover damage to my property caused by tree roots from a neighbor's tree?

Yes, but you would have to pay what your homeowners deductible.


Does homeowners insurance cover the cost of cleanup after an unattended death?

No. Your Homeowners insurance is "Property" insurance. It covers property damages caused by certain covered Perils such as Fire, Wind, Hail, Lightning, Fire etc. You will not find coverage on your Home Insurance Policy for death or related expenses.


Does a neighbors insurance have to pay you for fire damage to your property caused by your neighbor?

If your neighbor is liable through negligence for causing fire damage to your property you could file a claim on the liability portion of your neighbors insurance policy. If he caused the fire intentionally then his insurance company would not pay for damages as criminal acts are not covered.


Will homeowners insurance cover cost of electric company work on adjoining property caused by downed tree on covered property?

Yes. But the electrical company's insurance co should cover it if they are at fault.


Does homeowners insurance cover damage to your neighbor's property caused by construction on your property?

Actually, This is covered under your Contractors General Liability Insurance. If your contracting builder does not have insurance, you need to get rid of him, and find another contractor immediately.


Will your homeowners insurance cover damage to your neighbors property caused by fire damage?

Generally no. The only time that your homeowners policy will cover property of anyone else is if you are legally liable for the damages. For instance if you started a fire on purpose for some reasonable need that got away from you and they neighbor demanded payment. In this case you turn it over to your insurance company which will decide how to proceed. You liability section provides coverage for damages and they will provide legal defense in addition to the liability coverage if necessary. I will caution you that liaiblity claims will make you typhoid Mary to insurance companies and you will not have luck getting or keeping homeowners insurance.


Does homeowners insurance cover fire damage caused by a visitor?

Yes, Homeowners insurance typically does provide coverage for losses that result from an accidental fire.


Will homeowners insurance cover damage to personal vehicles at the home caused by someone else?

Homeowners insurance covers what is inside the home. Check your auto insurance for auto damages.


Is scabies covered on homeowners insurance?

Of course not. Scabies is a skin condition caused by a type of mite. There is not way that this would be covered under a homeowners insurance policy


Does homeowner insurance cover damage caused by rodents?

Generally, homeowners insurance policies exclude property damage that is caused by rodents (vermin). This type of damage may occur over a long period of time and not meet the definition of "sudden" loss.


Will homeowners insurance cover a cracked foundation caused by an earthquake?

Only if you have earthquake coverage. A regular homeowners policy excludes damage caused by ground movement or earthquakes.


Will homeowners insurance cover a fire loss caused by the homeowner?

Accidental, Yes. Intentional, No

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