Home owners insurance question

Mesa said:

Those damn humans from Avatar just did this to my front yard's tree of life. I always knew having my house built on a large unobtanium deposit would come back and bite me in the ass.

It also took out a smaller tree on its way down.


So I got an appt setup for someone to have the tree removed tomorrow. Going to cost me $400. I was wondering if home owner's insurance would pay for that, especially since the tree is now resting on both my and my neighbor's home's roof. Anyone have any experience in filing a claim for something like this? I may be paying for repairs to my roof and my neighbors roof, depending on what it looks like once the tree is removed. My neighbor is very cool, so I'm not too worried about them suing me, but if there is damage to his roof, am I responsible for the repair costs since it was my tree?

I don't think there will be much damage, if any, but can't be sure.

And I just had this damn tree trimmed last year, costing me $300.

I just hope there isn't any extensive damage to the ceramic roof tiles. Also wondering if the tree sitting on the roof overnight will be a problem. I couldn't get anyone to come out today, and there's only about an hour of daylight left and this just happened an hour ago.


Ah, the joys of home ownership.

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Mesa said:

Looks like not a big deal after all. I wasn't trying to salvage the Mesquite tree, or the Sweet Accacia tree that got taken out by proxy. I hated those damn trees. They were very dirty, meaning they dropped leaves and needels and bean-pods year round, so I'm glad they are now removed.

I was more asking that if the tree did do damage to the roof, is that something home insurance would cover to have it fixed, and if I was going to have to file a claim, could I then include the cost of removing the tree from against my house (and my yard) in the claim, after paying the deductible.

But I found a good 3-man team that was able to cut it up and chip it and pull/remove both stumps in about 4 hours. Happy to have it gone for less than $500, which is probably less than my deductible (I honestly don't know what that is as I've been lucky to not have to use my home insurance). I'm also glad that as the guys were cutting and dissembling that tree, that there was no damage to either my roof or my neighbors roof, which was my biggest concern. I don't know why there wasn't any damage, because that was a big ass tree and it was completely resting on the corner of my home and my neighbors home until it was removed some 16 hours later. So fortunately, no need to file a claim.

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