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    pastor1189's Avatar
    pastor1189 Posts: 1,538, Reputation: 3
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    #1

    Sep 12, 2017, 05:56 PM
    Home Owner's Insurance
    The party had some minor damage, he paid it himself. Because He has a $13,000 hurricane deductible.
    But a separate incident also happen. A neighbor's tree fell on his fence, damaging it , also send branches into his property.
    Should he file a claim or clean up the mess himself.
    talaniman's Avatar
    talaniman Posts: 53,880, Reputation: 10852
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    #2

    Sep 13, 2017, 07:37 AM
    What's his property damage deductible for non hurricane related damage? He may have no choice but to do it himself.
    pastor1189's Avatar
    pastor1189 Posts: 1,538, Reputation: 3
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    #3

    Sep 13, 2017, 09:16 AM
    This was due to the hurricane. He has already did the work himself.
    Non Hurricane is $1,000. The separate incident with the neighbor tree
    Was also caused by the hurricane. Looks like he is out of luck.
    talaniman's Avatar
    talaniman Posts: 53,880, Reputation: 10852
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    #4

    Sep 13, 2017, 09:52 AM
    I would say so since it would be hard to explain why a downed tree at about the same time was NOT hurricane related.
    pastor1189's Avatar
    pastor1189 Posts: 1,538, Reputation: 3
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    #5

    Sep 13, 2017, 10:16 AM
    I guess he could ask anyway?
    J_9's Avatar
    J_9 Posts: 40,253, Reputation: 5642
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    #6

    Sep 13, 2017, 10:34 AM
    You just said the downed tree WAS caused by the hurricane
    pastor1189's Avatar
    pastor1189 Posts: 1,538, Reputation: 3
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    #7

    Sep 13, 2017, 10:46 AM
    Yes he is out of luck. Regardless if the tree fell from the neighbor on to his property.
    Because he has that $13,000 hurricane deductible, it still applies wherever the damage came from. Just wanted to check with you very intelligence people
    ma0641's Avatar
    ma0641 Posts: 15,681, Reputation: 1012
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    #8

    Sep 13, 2017, 02:27 PM
    Unless the party can show negligence of a dead, diseased or leaning tree AND notification to the neighbor regarding same, the property on which the tree falls will be liable for paying the bill.
    pastor1189's Avatar
    pastor1189 Posts: 1,538, Reputation: 3
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    #9

    Sep 13, 2017, 02:51 PM
    Guess he will have to wait, see what his insurance company tells him?

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