Fence Damage Insurance Homeowner

Municipal Building offices sustain water damage from leaking roof

The roof began leaking at about 4:30 p.m. Tuesday during the afternoon thunderstorms that poured about six-tenths of an inch of rain into the structure. Keith and Public Works vacuumed water throughout the night and covered desks with plastic to protect them from falling ceiling tile. All offices were functional again by late Wednesday morning. Also, the roof began leaking about two weeks after the Council voted 7-0 to use $200,000 in the General Fund balance to pay the city’s share of a flood plain study. The Council made the move in response to the parade of complaining residents who were flooded by stormwater runoff and or raw sewage after the rains on Labor Day and Sept. 22.

Insurance Covers Fallen Trees, In Certain Cases - Hartford Courant

Obia Jennings surveyed the busted tree limbs scattered on his front lawn, including one propped up against his split-level ranch on Kenwood Circle in a wooded Bloomfield neighborhood.

"This area's a war zone . . . we definitely will be filing a claim," the retired probation officer said.

He may be surprised at what he learns. Homeowner's insurance will cover damage to the home and removal of the limb touching Jennings' home, but not the cleanup of many other broken branches around his property.

As people clean up from the weekend snowstorm, they're learning hard lessons about the extent of their auto and homeowner's coverage. In many cases, the burden of cost and removal is complex and nuanced — for example, if a tree sheds limbs that fall on several properties, cars, structures, power lines and municipal streets.

"Basically, if a tree hits a home, or other insured structure, such as a detached garage, a standard homeowner's insurance policy provides coverage for the damage the tree does to the structure and the contents in it," Jeanne M. Salvatore, a spokeswoman for the Insurance Information Institute, says in a video about tree damage.

If a branch breaks from a tree, and crashes into the roof of a home or garage, a standard homeowner's policy will cover the damage the cost to get rid of the branch. It won't cover the cost to remove the tree, if it is still standing — and of course, standard deductibles apply.

It doesn't matter whether the tree was on your lawn or your neighbor's yard, the person who has the home or vehicle damage should file a claim with his or her insurer.

"If the felled tree was on a neighbor's property, the policyholder's insurance company may try to collect from the neighbor's insurance company in a process called subrogation," Salvatore says in the video, which is available at http://www.iii.org.

If a neighbor's tree fell on your house or car because it was in poor health or was inadequately maintained, your insurer may be able to subrogate from your neighbor's home insurer. In some cases, that means you could be reimbursed for the deductible you paid, Salvatore said.

The fence, a police cover-up along Boston's racial divide

From the coauthor of the bestselling "Black Mass"--hailed as a triumph of investigative reporting ("Publishers Weekly")--comes this gritty and riveting, true ...

Damage

“A passionate, elegant, ruthless story.” —Iris Murdoch The New York Times bestselling novel—now available as an ebook Damage is the gripping story of a ...

The fence, in the shadow of two worlds

This book is based on the experiences of a dealer in stolen goods (alias Sam Goodman), whose history serves as a model for understanding the role that fences ...

Damage

Seventeen-year-old football hero Austin, trying to understand the inexplicable depression that has drained his interest in life, thinks that he has found relief ...

Insurance for Dummies

Explains how to buy and save on every kind of insurance, including life, health, auto and home insurance, and offers tips on how to get the best coverage for ...