I got a question.
Most auto insurers will waive the deductable and pay for chip repair on a
windshield rather than pay for a windshield replacement minus the deductable.
Well, I have a willow tree that's dying. $950 to have it taken day, and that
doesn't include the stump. Another $275 for this.
I can't afford to have this done. There are a few big limbs that hang out over
my neighbors fence and inground swimming pool. Do you think the insurance
company who writes my homeowner's policy might pay to have the tree
taken down or at least the dead limbs removed rather than eventually pay not
only for cleaning up fallen limbs, but also paying for any damage done to
From my experiences with insurance companies, you have a tremendously hard
time collecting when you have a legitimate claim. You want them to pay in
anticipation of a claim? Never happened.
On 20 May 2004 15:35:11 GMT, firstname.lastname@example.org (TOM KAN PA) wrote:
Usually there is no deductible on glass.
It would be a bad idea to even ask them. If you tell them that there
is a special risk, they will tell you that you must immediately take
care of it, and mitigate the risk, or be cancelled. The best you can
hope for is that they will just sharply raise your premium, rather
than cancel you altogether. Insurance companies share information, so
if you get cancelled, you probably will not be able to get insurance
email@example.com (TOM KAN PA) wrote in
I asked my agent a similar question regarding hot water heaters. I had a
water heater that leaked and cost the insurance about 5,000. I asked them
if it wouldn't be cheaper to pay to have their customers hot water heaters
replaced every 10 years instead of paying out large claims. She said that
even though that sounded like a good idea, they don't do that (nor would
they even think about it).
It's a good idea to plan ahead.....you know the tree is a hazard and,
depending on your local code, you could be held responsible. In my
city, it is a code violation to have a hazardous tree. Take care of it
before the neighbor complains and the city cites you for it. I have
never heard of an insurance company that pays in advance of damage, but
I don't know everything. I have heard of insurance companies that
recover losses from those responsible. If a dead limb happens to fall
on a person, your cost could rise significantly. There is more to
responsible home ownership than paying taxes, and building codes can
actually protect people. Of course, local code might give the neighbor
permission to lop off the dead limbs over his property. :o)
Not in a million years. In fact, I wouldn't even mention it to my insurance
co. They may do a "risk review" on you & decide that you are a poor risk &
non-renew your homeowner's policy.
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