there was a bad storm and my neighbors tree fell on my trailer. How much does his insurance company have to pay me for the damages?
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UPDATED: Jan 14, 2012
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Insurance Question from Albuquerque, NM
Asked on 01/14/2012
there was a bad storm and my neighbors tree fell on my trailer. How much does his insurance company have to pay me for the damages? NULL
Answer given on January 14, 2012
If there was a storm that caused your neighbor’s tree to come down, the damage will most likely be paid by your insurance company. Storm damage is often referred to as “an act of God”. If the tree was considered healthy, and you had not considered it a threat to your home, then your neighbor would not be considered responsible since there was no negligence involved.You should report the damage to your insurance company. They will determine the repair costs to your trailer, less your deductible. If the trailer is considered a total loss, then your insurance company will determine the actual cash value of your trailer, and pay you that amount. Your insurance company will investigate to see if there was any negligence on the part of your neighbor. If so, they will try to subrogate against the neighbor’s insurance and if successful, they will reimburse you for your deductible.
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