Coverage & Claims

Do I need a police report to file a claim with insurance if I damaged my own vehicle?

You do not need a police report to open a claim. Since it was a single-vehicle accident, you will be charged as at-fault if the claim is paid, which would result in a higher premium.

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Coverage & Claims

I cut down a big tree and it fell on my truck. Will insurance cover that?

Your insurance should cover the damages minus your deductible. In this case, you would file a comprehensive claim for the damage.

Homeowners Insurance

Can my insurance company replace part of my roof with shingles that don't match?

Insurance companies (depending on your policy and whether you have replacement cost value coverage) are obligated to bring your property back to its previous state, but no better. This, in theory, means that it should be no worse as well.

General Insurance

My tree damaged a neighbor's swing set?

In most cases, it would be your insurance that pays for the damages. The reason being, the limb came from your tree and it's your responsibility.

Homeowners Insurance

Tree limb snapped and damaged neighbors property who is at fault

This can be a tricky subject. If the tree was healthy and fell due to a covered loss, which considering the storm you've experienced may be the case, your neighbor would need to file a claim with their home insurance policy.

Homeowners Insurance

Will homeowners insurance cover a tree falling on my house when I cut it down?

It's very likely that you will be covered, assuming that your homeowners insurance policy is active and in good standing. Learn more about fallen tree damage and home insurance. Each insurance company has different stipulations depending on whether you have a named-peril or open-peril insurance policy, so you'll need to contact your insurance company to get the final word on how your policy would apply to this type of loss.

Homeowners Insurance

Who is responsible for covering damage caused by a tree falling from my yard after a hurricane?

Assuming your homeowners insurance policy is up-to-date, you would need to file a claim with your insurance provider since the tree was on your property. The liability coverage on your homeowners policy should also cover the damage caused to your neighbor's home.

General Insurance
Homeowners Insurance

Who covers damage caused by a tree falling onto a neighbor's home?

It all depends on what caused the tree, or branch, to fall on your neighbor's property. If the branch became detached from the tree due to the storm, the damage would be considered an act of god and should be covered by your neighbor's homeowners insurance policy.

Coverage & Claims

Should I get my insurance company involved or pay for the damage myself if I backed into a tree?

It will ultimately depend on your deductible and the extent of the damage. Unfortunately, backing into a tree will be considered an "at-fault" accident if you file a claim with your insurance company.

Renters Insurance

Will my renters insurance pay for me to stay in a hotel if my house is damaged?

Renters insurance is extremely valuable since it is often inexpensive and provides lots of coverage when things go wrong. Specifically in your situation, your renters policy should include a "loss of use" provision that would cover temporary living expenses if you weren't able to live in your home because of a covered loss.

Coverage & Claims

Do I have to file a claim if I my vehicle was the only one damaged?

You don't have to file a claim; that decision is completely up to you. If you want to be compensated for your vehicle, though, you will have to file a claim.
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