I was cutting some trees down and bounced one off the house. I'll have to see if there was any damage; would that be covered by insurance should something be royally messed up or is it tough luck?
Thanx
Don't lie about what happened. Turn the claim in, tell the truth, and see if the insurance company will pay. Two weeks ago, I had a client call me, and he had done the same thing you did. We filed the claim with the company, and much to my surprise, it was covered. I can't guarantee your company will cover this claim, but its worth a shot.
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April 26, 2008 at 06:06 pm
dont risk it, tell them it fell in last nights storm.
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April 26, 2008 at 06:10 pm
tough crap dear. insurance fraud usually is frowned upon….
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April 26, 2008 at 06:37 pm
It would have to be classified as a covered peril. Examples of viable tree perils are wind, lighting, falling objects. Cutting down your own tree is not a covered peril.
The adjuster will probably figure it out if you make a claim.
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April 26, 2008 at 07:25 pm
Don't lie about what happened. Turn the claim in, tell the truth, and see if the insurance company will pay. Two weeks ago, I had a client call me, and he had done the same thing you did. We filed the claim with the company, and much to my surprise, it was covered. I can't guarantee your company will cover this claim, but its worth a shot.
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April 26, 2008 at 09:15 pm
Any damage the tree does to your house, is covered, subject to your deductible. It's considered a falling object.
I'm assuming, of course, you have a standard HO3 type homeowners policy.
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agent, 21+ years -
April 27, 2008 at 12:55 am
if you did this on purpose, then its not covered.
but, i doubt you did this on purpose.
so you should be ok…..
as far as committing fraud…dont do it…why expose yourself to jail for just a few thousand or less!
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