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My son was playing street hockey by himself across the street in the culdesac and a neighbor kid got hit with the stick their insurance wants my homeowners to pay for medical bills Am I responsible?
Wiki User
∙ 14y ago
yes
Wiki User
∙ 14y ago
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Does my homeowners insurance cover a neighbors dog attacking my dog?
Not usually. The neighbor's homeowners insurance would cover it underneath their liability insurance.
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.
Should my neighbor's insurance cover for my damage?
If your neighbor is responsible for the damage, yes. If not, no.
You broke a window cutting the lawn for neighbor who pays you?
If you broke a window while cutting the lawn for the neighbor that pays you then they can replace it themselves. They can hold you responsible and not pay you and make you pay for the window. Or if they have homeowners insurance they can see if it will cover the broken window.
Who pays for the ambulance when a child almost drowns in the pool?
Question your homeowners insurance. If it was the neighbor's pool, perhaps their liability/homeowners insurance will pick up the cost. In any case, you have to have the ambulance at any price.
What if your neighbor has nailed into your fence?
You should politely talk to your neighbor about the situation and ask them to stop nailing into your fence as it is your property. If they don't comply, you can consider legal action or mediation to resolve the issue.
Are you solely responsible to pay for damages if a tree in your yard falls into your neighbor's yard and damages his fence?
No. Mother Nature would be the "responsible" party. The homeowner is not "liable" for acts of nature.Your homeowners insurance is not responsible for a natural act that causes damage to property of another. Your neighbors fence is not listed as covered property on your Homeowners policy.If a tree falls on your neighbors property the neighbors insurance coverage would invoke, it does not matter where the tree came from. Likewise if a tree falls on your property due to a natural occurrence your own homeowners insurance policy would cover you.AnswerIf the tree was healthy and you had no complaints from your neighbor and a wind storm came up and blew it over you may have a nice enough neighbor that will share the cost of a new fence.AnswerAccording to my insurance agent, so long as there is no negligence on the part of the tree owner it is an "Act of Nature". Thus the fence owner would need to pay to make repairs if they want it fixed. My insurance covers me if my neighbor's tree falls on my house. I can't imagine the company paying for anything that they could make someone else pay for.
How do I find out if my neighbor has homeowners insurance?
You just have to ask them if they have insurance on the house. There is no other way to find out as all insurance information is protected under both state and federal privacy laws. Homeowners insurance and policy information is "not" a matter of public record.
If a seemingly healthy tree broke in half and fell on neighboring apartments following days of bad weather should your insurance cover this or the neighbor's?
The neighbor's insurance must cover his own damage. That is how homeowners insurance works. A property owner is not liable for an act of nature.
If you live in a townhouse who is responsible for insuring against flood damage?
For townhouses, you should make sure your homeowners association carries appropriate federal flood insurance which protects you and you neighbors from rising water from a stream, river, ocean or canal. If a flood in your house is caused by sewer backup or a broken pipes, you need to make sure your personal homeowners insurance covers those problems. Also, ask your homeowners insurance company how to insure common walls of a townhouse in case your neighbor has a broken pipe or some other internal problem.
Would my neighbor's homeowners insurance cover my repair costs to the underground wires they cut doing landscaping?
They should. They cut YOUR wires, didn't they?
If your neighbors live tree falls on your house who is responsible?
Yes, this would fall under a liability claim under your homeowners insurance. They are limited on how much they will pay out, depending on much liability you bought in the first place. Mark Owner of Denvers Insurance
