Homeowners Insurance- Lighting Strike

[BottleRocket 647]

Lightning struck a mature tree in front of our yard and split it in half. It’s a goner. Is the value of the tree covered by home owners insurance?

[CooterBrown 18028]

You want your premium to go up over a tree?

[Surly Bevo 25149]

You got a blonde hair kid?  Have him make a bat out of the tree, strike out Aaron Judge outside an airport, get shot by a stage 5 clinger, disappear, come back hit dingers into light fixtures...should cover your losses

[ROFL BOX 6649]

29 minutes ago, CooterBrown said:

You want your premium to go up over a tree?

17. NOT-AT-FAULT CLAIMS. Your insurance company cannot refuse to renew your policy solely because of any of the following types of claims:

• claims involving damage from a weather-related incident that does not involve a collision, like damage from hail, wind or flood;
• accidents or claims involving damage by contact with animals or fowls;

 

https://www.tdi.texas.gov/rules/bor-auto-english.html

[ROFL BOX 6649]

1 hour ago, BottleRocket said:

 

Lightning struck a mature tree in front of our yard and split it in half. It’s a goner. Is the value of the tree covered by home owners insurance?

 

The standard policy replaces trees and shrubs damaged by fire, vandalism, lightning and several other perils, but not water or wind. Again, there are generally limits to how much will be reimbursed.

https://www.consumerreports.org/cro/news/2010/03/will-homeowners-insurance-cover-that-fallen-tree/index.htm

[gsoda3 3282]

5 minutes ago, ROFL BOX said:

17. NOT-AT-FAULT CLAIMS. Your insurance company cannot refuse to renew your policy solely because of any of the following types of claims:

• claims involving damage from a weather-related incident that does not involve a collision, like damage from hail, wind or flood;
• accidents or claims involving damage by contact with animals or fowls;

 

https://www.tdi.texas.gov/rules/bor-auto-english.html

this doesn't apply to homeowners though.

[ROFL BOX 6649]

6 minutes ago, gsoda3 said:

this doesn't apply to homeowners though.

oops... lemme grab the other version of the B.o.R.

[ROFL BOX 6649]

22. USE OF CLAIMS HISTORY TO NONRENEW. Your insurance company cannot use claims you filed as a basis to non-renew your policy unless:

• you file three or more claims in any 3-year period; and
• your insurer notified you in writing after the second claim that filing a third claim could result in non-renewal of your policy.

In determining the number of claims filed, your insurance company cannot include:

• claims for damage from natural causes, including weather-related damage;

 

https://www.tdi.texas.gov/rules/bor-home-english.html

[BottleRocket 647]

You want your premium to go up over a tree?

I’ve seen The City of Austin charge $1000 per inch diameter for damaged trees. Our tree is about 24 inches in diameter. I’m not suggesting that our tree is worth $24,000 but it’s worth looking into. My mom said she wasn’t giving you a $1,000 per inch but if she did, you’d get ‘bout tree fiddy.

[UTPhil2006 3812]

All this for tree fifty?

[Kennythetiger 9460]

3 hours ago, BottleRocket said:

 

I’ve seen The City of Austin charge $1000 per inch diameter for damaged trees. Our tree is about 24 inches in diameter. I’m not suggesting that our tree is worth $24,000 but it’s worth looking into. My mom said she wasn’t giving you a $1,000 per inch but if she did, you’d get ‘bout tree fiddy.

 

Irritating when the same guy who lobs a softball also beats everyone else to the joke.

[woohorn 1131]

Isn't cost to remove the bigger issue?

[C-Man 27262]

54 minutes ago, woohorn said:

Isn't cost to remove the bigger issue?

Yes. And coverage is pretty limited unless the tree actually hits the house or other structure on the property or is blocking driveway, etc. I would need to see the policy language but lightning strike might be a different animal. We've all gotten pretty up-to-speed with wind-related tree damage from the last month of storm activity in the Metroplex. That's where coverage gets very limited, deductible is almost certainly involved (Chubb does NOT apply deductible), etc.

[T’Boo Ted Marshall 2740]

22. USE OF CLAIMS HISTORY TO NONRENEW. Your insurance company cannot use claims you filed as a basis to non-renew your policy unless:

• you file three or more claims in any 3-year period; and
• your insurer notified you in writing after the second claim that filing a third claim could result in non-renewal of your policy.

In determining the number of claims filed, your insurance company cannot include:

• claims for damage from natural causes, including weather-related damage;

 
https://www.tdi.texas.gov/rules/bor-home-english.html

True, but it doesn’t mean they can’t rezone you and raise rates.

[LonghornD 49]

What size tree are we talking about? Are the costs (removal and planting new tree) much different than the amount of your deductible?

Edited July 1, 2019 by LonghornD

[Quagmire 2147]

How attached are you to this tree? When is the funeral ?

[HornOnTheBayou 8946]

You could claim lost revenue from missed job opportunities because your resume tree is gone.