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Finger Lakes Region of Upstate New York

My neighbors' tree damaged my house and car... who pays?

Willie KiernanBy Ed Boudreau

Finger Lakes Partners Insurance,

Thursday, May 31, 2012

Due to the recent storm many residents have been faced with extensive property damage resulting in questions regarding their insurance. The damage may have been to your home, auto, patio furniture, garage or refrigerated products. As a local insurance agency we thought it would be helpful to provide you with a few helpful hints and general answers to some common questions. Please understand that insurance companies provide several types of policies, forms and enhancements. Coverage and limits vary not only with each insurance company, but within different policies for the same insurance company.

  • Siding Damaged from Hail

    My neighbors’ tree damaged my house and car. Who pays for the damage?

    • Answer (HOME): The insurance policy for your home will respond to provide coverage. Coverage is extended to the garage and any personal property as well. The claim settlement is subject to the policy deductible.

    • Answer (VEHICLE): The insurance policy covering your automobile will respond to the damage to the vehicle if the policy includes comprehensive coverage (other than collision). The settlement is subject to your deductible. Comprehensive provides coverage for fire, theft, windstorm, hail, falling objects, animal (deer) and glass

  • Is there coverage for my trees and the debris removal?

    • Answer: Most homeowners’ policies will pay up to a certain limit for the removal of trees. The amount varies. Unfortunately, with the damage experienced in Seneca County it is likely the reimbursement afforded will not cover the full cost. Furthermore, some companies specify that the trees and debris have to be resting on the damaged structure for the coverage to respond

  • Is food spoilage covered?

    • Answer: Most homeowners’ policies provide limited coverage for food spoilage. The amount varies and it may be subject to your deductible.

  • Siding Damaged from Hail

    Hail damaged the vinyl siding and aluminum trim on the home. What is covered?

    • Answer: Your homeowners’ policy will respond to this type of damage. If your policy includes replacement cost, coverage will be extended to replace all damaged areas.

In closing, it is important to contact your agent immediately to report a claim. As the property owner you should attempt to prevent further damage but more importantly stay out of harm’s way.

As an independent agent we work for you. We don’t sell oxygen but we attempt to provide the best service to our clients in the hopes that they can sleep a little better at night!

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