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No, it generally needs to be an "act of God" The contractor should have insurance that would cover it. If you did it, you are SOL. 4lifeguild If the tree fell because of a contractor, they should be bonded and insured (therefore will pay for all damages). If it fell while you were removing it, then your home owners insurance will cover it after you have paid the deductable. If the deductable is $1000 and it costs $1200 to fix it, then it wouldn't be worth filing a $200 claim. Your rates go up by as much as 30% when you file any claim. Do the math and decide for yourself which is the best plan of action.

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โˆ™ 2006-03-14 18:04:30
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Q: Will insurance cover damage to your house when a tree damages it while being removed by you or a contractor?
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Related questions

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If a person house has sustained flood damage, one should contact their home insurance company and report the damages. Another person that one should contact is a contractor to estimate the cost of the damages.

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Yes, you can keep the extra money you saved by finding a contractor to do the work cheaper than what the insurance company estimated. The insurance company prepared an estimate of the damage. If you could not find a contractor to do the work for what the insurance company estimated, you could ask them for more money. If they chose to pay you for the damage before it was fixed, they cannot ask for it back if you got the work done cheaper.

Does insurance cover damage from thermal treatment?

No,, Your home insurance policy does not cover work performed by your chosen contractor. That's what the Contractors Liability insurance is for.Your contractor who provided the thermal treatment service should have General Liability Insurance to cover damages that were created or caused by the work they performed.Never hire a contractor without first verifying they have the appropriate coverage to protect their clients.

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HO insurance policies are typically all risk and as such would cover such loss

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Contractor liability insurance typically covers property damage and bodily injury. It also will cover products and completed operations as well as personal and advertising injury.

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