A tree owned by the mobile home park came down on my mobile home damaging the roof. Whose insurance company is responsible for repairs?
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UPDATED: Jun 26, 2012
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Insurance Question from Covington, WA
Asked on 06/26/2012
A tree owned by the mobile home park came down on my mobile home damaging the roof. Whose insurance company is responsible for repairs? NULL
Answer given on June 28, 2012
If a tree comes down on a property, in this case a mobile home, the responsible party is determined by deciding whether this was caused by neglect or not.If there was a storm, and the tree appeared to be healthy before the storm, then the insurance company covering the damaged mobile home would cover the damage caused by the tree. Of course the deductible for the owner of the home would apply. This type of loss is generally referred to as “an act of God”.If the tree was known to be hazardous, or was in poor condition, then the owner of the tree could be considered responsible for the damages caused by the tree.The best way to handle this type of claim is for the owner of the property report the damage to their insurance company. the company will pay for the repairs, less the deductible. If they determine the tree was in poor condition they will attemp to subrogate agains the insurance carrier for the owner of the tree and, if successful, will reimburse their client for the deductible.
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