What does the home insurance company do if someone falls on the ice and
makes a claim which the insurance has to pay, and they decide it was the
Do they pay the claim and cancel the insurance? Pay and raise the the
rates? Some 3rd choice?
--Looked at the neigbor's sidewalk today and the icy patch is the width
of the sidewalk (about 3') by 18 feet long. Plus the sidewalk going up
to their front door is covered with ice more than half of the way. (the
entire width for half of that half, and half width for the quarter
closest to the house-to-house sidewalk. Because the 4"sump pump hose
extends about 10 feet from the front wall of the house. )
If the sidewalk is on his land(lot). Even mail man can refuse to deliver
mail...We have local bylaw, we have to clear snow and ice within
24 hours after snowfall. If not, city can fine you. Old folks get help
from volunteers called snow angel.
On 1/11/2015 6:53 AM, email@example.com wrote:
You can have anything you want, as long as you're willing to help pay
for it. We'll plow within 24 hours with as little as one inch on the
ground. But what that means is: in my city, snow removal is the
third-largest segment of the budget, after police and fire. We agreed
to a tax increase and a staff reduction in police and fire to maintain
our good snowplowing. Is it worth that to you?
On Monday, January 12, 2015 at 9:26:08 AM UTC-5, Moe DeLoughan wrote:
Same here, unless it's a once in 30 years kind of storm, the
major roads are kept clear during the storm, most local streets
are kept passable, almost all of it is taken care of within 24 hours.
But then I pay $12K a year in property tax......
On Saturday, January 10, 2015 at 10:31:45 PM UTC-5, micky wrote:
Pay and raise the the
They could pay, raise rates and notify the owner that he
needs to correct the problem or they will cancel. They could
notify him that they are going to do an inspection of the
If I was a neighbor and the water impacted an portion of my property,
sidewalk, etc, I'd send a letter to the property owner, telling them
of the danger, putting them on notice. I'd do that assuming a friendly
conversation had already been tried. At least that way if they pump
a lot of water out, it freezes on my property, someone slips and sues
me, my insurance company will have a better case.
If I was a neighbor and the water ended up on a portion of my
property, I'd contact the city to determine if it was violating any
code or ordinance. If it did, that would be something share with the
Actually, I had this situation arise when a neighbor had a sump pump
installed and the company put the outflow drain right at the property
line, so that the water drained directly onto my property. I notified
the neighbor, told her the company should've known better, and that
she just needed to have it moved several feet further away from my
land. She went berserk and called the city herself, called the company
to have it moved, and called me at work and demanded that I leave work
IMMEDIATELY to approve the new location. We were the best of friends,
so I was mystified at her over-reaction, but decided the best course
of action was to apologize with flowers. That worked. She apologized
back, and told me her parents had taken my side when she called them
in tears to complain about what I'd done.
Water is trouble.
Yes, we have that here too, 24 hours after the snow stops (which might
leave quite a bit of time, but since I sleep late on those days, I'm
glad there are 24 hours. I always hope to get out there before the
mailman steps on the snow and makes ice out of it, but rarely do. This
time, the ice was still mushy when I got out.
These people are not old. He's probably under 50 and so is his wife.
And his daughters are old enough both to shovel snow and to break up the
This wasn't part of a snowfall. It's ice from not adjusting the sump
A city fine is not going to scare him.
But the threat of what an insurance company might do might, if the
insurance company was going to do someothing he woudln't like.
Last Thursday, his other next door neighbor, a woman in her 60's, was
out there chipping and shoveling the ice from the part of the sidewalk
in front of her house. She was outside at least an hour, and only did
an area about 3' x 3'. . The ice was an inch thick. You'd think he'd
be out there the next day doing more of what she didn't do.
HomeOwnersHub.com is a website for homeowners and building and maintenance pros. It is not affiliated with any of the manufacturers or service providers discussed here.
All logos and trade names are the property of their respective owners.