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Answered 2006-07-25 00:36:15

Weather doesn't matter. Your HomeOwners Insurance would be responsible for those damages.

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Damage to property cause owners neglect?

Property damage is covered by a property liability insurance package. This applies to all incidents in which an automobile causes damage to another person's property such as a fence or house. If you do not have property liability insurance, the driver is responsible for covering the damages out of pocket.


Do you need windstorm insurance if you are renter?

I am renting a trailer and a limb falls on my vehicle while parked on the property who is responsible for the damages


Does landlord insurance cover car damages on property?

No, that's what car insurance is for. If someone hit your car, that person is the one liable for your damages, not the property owner where it was parked.


Can landlord use home insurance claim if tenants wreck property?

If the tenant damages the property he is liable for such damages. The Landlord may or may not have his own insurance for this purpose but the tenant is liable. If the Tenant has his own insurance (Renter's Insurance) then the Tenant may file a claim and damages will be covered by that insurance.


Why is it your fault if you have no collision insurance?

Fault is determined by who committed a driving infraction, not who has insurance. If you have no collision insurance, you are responsible for the damages to your own vehicle unless another driver is determined to be at fault.


Your son who has a car and his own car insurance used your car for the weekend he was in a accident the fault so far lies with the other driver whose insurance is responsible for the damages to your c?

The driver at fault is always responsible for damages incurred during an accident. The at fault insurance company is responsible for damages to your car.


Is landlord insurance a reliable insurance company?

Landlord insurance is not an insurance company. It is a type of insurance that covers a owner of a rental property from damages that may occur to their property.


In Florida who is responsible if a dead tree falls from a vacant lot onto my property and damages my home and my insurance deductible is 1000 and damages were 300?

The owner of the vacant lot is responsible for the $300 worth of damage. Liability does not depend on whether the lot has improvements or not.


Does homeowners insurance cover rental property damages?

No, you would need to purchase an Insurance policy for your Rental Property. Sometimes referred to as landlords Insurance.


Who is responsible if your neighbors dead tree falls and damages your property?

Each homeowner is responsible for removal of the portion of the tree that fell on their own property. As felled trees are a natural and expected occurrence no one is liable for an act of nature. Each homeowners property insurance will cover the cost of repairs for damages to your own property. You could only hold your neighbor liable for your damages if you could prove that he or she was aware the tree was a hazard and was negligent in mitigating the threat.


Does property insurance cover damages caused by a tree falling on my house?

Definetely you can claim for the damages caused by the tree falling on your house. The Insurance companies cover these damages under the property insurance. Just you have provide the photos of the damaged house aas an evidence to claim your money.


If I was in a 3 car accident and An uninsured motorist hit the car in front of me does the second vehicle who has insurance and then hit my car become responsible for my damages?

The owner of the car that caused your damages will be responsible to pay damages to you unless you live in a no-fault state. In that case, your insurance pays for your damages.


If a friend borrows your car and gets in an accident does your auto insurance cover damages?

Depends. If said friend has insurance then in most cases their insurance will cover the damages due to vicarious liability. If the friend does not have insurance, you are then responsible for any damages caused.


If in a wreck and my fault with no insurance?

If you were at fault for the accident you are responsible for the damages to the other person's car. If you are unwilling to pay they can take you to court and attach a lien to your property, garnish your wages or otherwise force you to pay for the damages you caused.



Does shelter insurance offer coverage for natural damages?

"Yes, Shelter Insurance offers coverage for natural damages caused by things such as a storm, although the customer is responsible for reporting such damages in a timely manner. You are also required to ensure that the damaged property does not incur more damage by providing proper protection after the damage."


You have liability insurance but no collision coverage and your car was hit by another driver will their insurance cover your damages?

Yes, if they accept liability and they will pay up to the limit of property damage coverage.


What does auto collision insurance mean?

Auto insurance consists of both liability insurance and physical damage coverage. Collision coverage is part of the physical damage section of an insurance policy and is designed to either repair or replace your vehicle if you are involved in an accident up to the fair market value of the vehicle. Collision will pay for both damages caused in an at-fault accident and damages caused in a not at-fault accident if the other party did not have insurance. If the other party did have insurance and they were responsible for the damages, the other party's liability insurance would pay for your vehicle damages through Property Damage coverage. You are responsible to pay for your collision deductible for at-fault accidents before a claims payout will be made.


Does the at-fault driver with full coverage insurance pay for the other car?

No The person who is at-fault is responsible for your damages. His insurance will pay for everything. Tow, rental, damages.


If your car is hit and you have no insurance is the other person liable for damages?

If someone causes damages to your property, they are liable. This means, however that you have to deal with their insurance company directly, rather then your insurance company doing it for you.


What kind of protection does property insurance provide?

It provides protection against damage or theft to items on your property. If something like a fire happens at your residence and damages your property, property insurance covers that.


Will homeowners insurance cover personal property if your dog ate part of a very expensive leather couch?

Not if it is your couch and your dog. If your animal damages a neighbor's property, he may have a claim against your homeowner's liability insurance, or vice versa if it is your property and another person's dog.


Who is responsible for damages if you are not insured driving someone else vehichle?

The driver is always responsible. It is the drivers obligation to verify insurance before getting behind the wheel. If you have insurance on another vehicle you may have some liability insurance covering YOU when you get in someone else's vehicle. Check with your agent.


What do you do if you hit an object and you have no insurance?

If you damaged someones property with your vehicle and you had no insurance. All you can do is pay for the damages out of your own pocket.


Who is responsible for damages to your property by fire department while putting out a fire next door?

Insurance. A fire department can use any means necessary to extinguish a fire. If a property is damaged, chances are it was to prevent the fire from spreading.


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