Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jul 27, 2012

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Insurance Question from Tallassee, AL

Asked on 07/27/2012

accessory improvements I live on waterfront property. I have a large investment in 900 foot long asphalt driveway, gazebo, 500 square foot dock, 225 foot long seawall and 1,200 sf concrete boat ramp. These improvements are equal to or exceed the replacement value of home. I am concerned about storm and tree damage to asphalt. I am concerned about storm, wave, wake and flood to dock, seawall, gazebo and boat ramp. Is there any (or multiple) coverage that would cover these items.Any advice will be welcomed.

Answer given on July 29, 2012

The homeowner policy provides coverage for “appurtenant structures” and there is a limit in the policy. This limit can be increased for an additional cost. The perils covered for these structures are listed in the policy.Many of the areas you are concerned about would not be covered by the homeowner policy. The homeowner policy provides coverage for “sudden and accidental” losses to the home and the appurtenant structures. If a storm causes a tree to come down on the gazebo that would be covered. Land movement is not covered for any structure, even the home itself. The flood policy, offered by FEMA, would provide some coverage for the dock if caused by a flood and some wave damage, but it too is limited in coverage and the amount of insurance available. Talk to your insurance agent and have them explain the policy and how it will cover your property, and also what would not be covered.


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