According to the Insurance Information Institute (III): "The typical homeowners policy has two main sections: Section I covers your property, and Section II provides personal liability coverage (to cover you in case of lawsuits arising from things that happen on your property). Almost anyone who owns or leases property should have this type of insurance. Often, homeowners insurance is required by lenders as a requirement to obtain a mortgage." Basically, Section I covers injuries that happen to your home (and property), while Section II covers things that happen to visitors while in your home or on your property.
If their tree was a live tree and it fell down due to wind etc. then they actually do not owe you anything. If it hit your house, patio furniture or whatever - then it will be covered on YOUR homeowners (subject to your deductible) and is now considered "debris." Your homeowners policy - should cover falling objects. If it did no damage and is blocking your driveway etc. but did not damage the home - then there is a clause to remove the debris.
If the tree was dead and the neighbor was negligent in not taking it down - then yes - his homeowners liability should pay for the damages done to your property including the removal of the tree. He should have no deductible and your company will not be involved and you won't have a deductible.
To have a liability claim pay damages there must be damages. Were you really inconvenienced that much? It wasn't your neighbors fault - he did not do anything to cause this. It was an act of God. You may want to call YOUR insurer. If you are in Texas - weather related claims are not held against your policy. Hope this helped.
The best way to read your homeowners policy is to look for the declarations page first. It tells who the named insured is, what is covered, when it is covered, where the location is that is covered and how much it is covered for. Who, What, When, Where and How Much. Then find the other section and find the exclusions. This will tell you what is NOT covered. Because the policy has "Section I- Property" and "Section II - Liability" there are going to be two sets of exclusions. One for each section. In each section there are conditions that tell what the duties of the insured is and what the duties of the insurer are. One set for each section.
Property claims are most frequent. I would read Section I exclusions, limitations (found in the conditions section) and extensions of coverage. Yes - it is boring reading. But if you read the policy and write down questions you have - then go visit your agent and have him explain things. Make sure you are insured to a high enough value to rebuild your house and remove any debris left over after the loss.
The time to know what is IN your policy is before the loss - not after.
Home insurance cover two things, insurance of the building property and insurance of home contents.
Property Insurance normally covers damage with regard to construction of the building from either sides from any unusual event of quake or weak structure and
Home Contents Insurance covers things and valuables those are being used in the home as there is a kind of meaning attached to them.
So, we should always keep our self secure with Home Insurance.
A typical homeowners insurance policy covers your home and personal property against damage from fire, lightning, tornadoes and hurricanes. HO-3 insurance covers losses due to theft, riot and vandalism as well as damage due to frozen plumbing, heating and air conditioning systems.
Home Insurance Covers Fire, lightning, explosion, falling objects, impact by aircraft or land vehicle, riot, water, smoke, windstorm, hail, vandalism, theft, transportation of personal property and electricity.
Last edited by RichardDavis; 02-13-2013 at 04:25 AM.