Insurance

You always have to fight with the insurance companies. They love it when they can just sit back and collect premiums, but when it comes time for them to have to pay a claim, they do everything they can to avoid paying. Tell your friend to contact a lawyer and have them contact the insurance company. Insurance companies know you mean business when they hear from a lawyer. Another thing they could try is a company called East Coast Public Adjusters. They will fight for a larger claim but I don't know what their fees are like. Once they get the money, they should change insurance companies and never do business with the other one again. If they aren't going to pay when they should, they should quit giving them their business.

Hmm, Thoroughrob, I am sorry for all the persons who have been aflicted by the passing of the storm. However, while everyone needs help in times of crisis, your interpretation or expectations as to how the insurance reimbursements are to be undertaken in these times are 'kind of simplistic' in your approach. Remember, that the insurance money comes from from a pool of funds which: (1)were collected and to be used (through reimbursement mechanisms) based on prescribed written legally sanctioned rules, and; (2) the documents were signed by both parties (the insured and the insurance companies). Based on the terms of agreements of the contract, should there be a reason for an action to be taken, then the obligations will be discharged based on what is stipulated in the document. In addition, reimbursements take time for it to be done; as often, the matter has to be thoroughly investigated, before any monies can be handed over to the claimant. Interestingly, I am not working in the Insurance industry, but, based on due processes, perhaps, in a crisis, one need to be more patient.., which is 'kind of difficult' to do. I hope your son's friend is able to get the help they need; especially in their time of crisis.

when it is an act of God or natural as a storm many insurance companies don't pay at all. Each insurance owner has a contract and it is written in advance what they will pay in terms of damage and what they won't/

I don't have much knowledge when it comes to insurances. Sometimes insurance company do not explain well/everything the coverage of damages. I only had my car insurance for accidents and not for natural calamities. I have heard that many people are having a lot of trouble with claims when it comes to calamity insurances.

hi, Truly speaking sorry i do not have any experience in insurance . But i will try to gather the required information from the experts as far as possible. In the meanwhile wish you a best luck. Be in touch and share your thoughts and views.

as far me i don't have any idea about insurance and what is their rule to pay. may be they have some rule and regulations according to that they can claim to their payment. so i think neighbors insurance pay because its their tree which brought the damage

Your son's friend's insurance should pay. The neighbor's insurance does not cover damage to another property even if the tree came from their property. At least that's the way most home owner's insurance is written. He might have to press them to get them to do it, but first he should read his policy and find the place where it states what will be covered. With that in hand, then he should approach them.

Well, when it comes to insurance, that is where things do get difficult, and in especially storms like this I am sure. You would think they would have to have insurance with companies that cover another house from damage from something done from another house, etc. but maybe people need to check on this one before more people are affected like this?

Their homeowners insurance should pay and their car insurance should pay. It is insurance to protect them from perils and replace the damage. Of course they will probably use the " act of God" clause that says they do not indemnify against acts of God. There is also usually a clause about the Acts of war.

My understanding is that they neighbor's responsibility to cover the damage. My dad had a tree in his back yard cut down for that very reason. Because if a storm hit and his tree crashed into his neighbor's home, it would be on him to pay for the cost of the destruction. Your son's friend has a legit claim if he wants to take them to court to pay for the damage to his house.

A few years ago, my brother's neighbor's tree fell on his car and their insurance company refused to pay. Luckily for my brother, he had full coverage so he used that instead. Had it been my car, I'd have sued the insurance company since it was the neighbors tree. Your son's friend should sue!

Thankfully we've never had any kind of a run in with insurance in my life. With that said, I think that the neighbor's insurance should be the ones that have to pay for the damage that was done to the house because of the fact that the tree did sit on their property. However, I think that if the neighbor's insurance is not going to cover the claim, I think that their personal insurance should make sure that it is taken care of and then go after the other insurance for their costs incurred.

i think friends insurance company will pay because that tree is not of your son that tree was of his neighbour