Apperantly , Travlellers does not cover that .
 

Can I swear here. ^$)*^(*^ (^&%$%)*^^(*&^ (*&^(
2 and a half days of straight rain here. Power went out at about 2 am last night. Sometime around 4, awoke to loud crashing sounds .
I peeked outside and saw a branch had fallen. It was dark, cold, and rainy, so I went back to bed.
Woke up this morning to this to this . http://forums.pelicanparts.com/uploa...1536595052.jpg
http://forums.pelicanparts.com/uploa...1536595063.jpg

http://forums.pelicanparts.com/uploa...1536595095.jpg

http://forums.pelicanparts.com/uploa...1536595130.jpg

It is not insured. I basically just finished. I was going to come home from vacation next week, replace the rear u joint, insure and register it , and put it to work.
My home owners says it is not covered. It was my neighbors tree.
It's not a terribly valuable truck, but I have worked non stop for the last year and a half on it, and as you can see, it was starting to look pretty sweet. Im sick to my stomach.
Will my neighbors insurance cover it ?

My dually was parked right next to it they day before. I moved it because I did not want it getting all muddy with all the upcoming rains. I guess, if there is a sliver lining, that is it .

Oh no......I'm so sorry, Fred! Crappy luck for the branch to hit your baby like that. :(

I'm no expert in insurance so maybe someone else can help with that.

The only thought I had is if you had a good relationship with your neighbor *maybe* they would chip in to help defray repair cost. Especially if you are able to leverage the expense down a bit, with your expertise and connections in the biz.

At least no one was injured and your home is OK. And power is restored, I'm guessing.

I think it will be covered by your neighbor's insurance.

It is probably not really worth repairing . The cab is pretty tweaked at the windshield opening , plus, ko'd the door, fender, and hood . Rust free parts for these are not super easy to come by. This was a big tree. Probably 60-70 feet. 5th one down this season.
I used to love trees . At least I have lots of firewood !

Man that sucks, but good thing your dually was moved away. It looks like your rain problems aren't done yet with Florence coming this weekend.

Yes, your neighbor's homeowners insurance should cover it. If the truck is a total loss they should pay you the actual cash value of the truck minus salvage value if you want to keep it. Just talk politely to your neighbor and ask to be put in touch with his insurance company. They handle claims like this all the time. Your neighbor won't even know the claim is going on as it is being adjusted and his rates should not be affected.

If you have ins. on the truck that ins. company should cover it. Generally the ins. that pays is the ins. company that covers the damaged item - even if it is the neighbors tree. If you have no ins. on the truck you are probably SOL.

I had a similar situation happen a few years back. There was a precariously hanging branch from my neighbors tree hanging over my driveway / Trailblazer. I verbally told them numerous times that if we get any sort of nasty weather, that limb is going down and onto my car. That they should get it trimmed back for good measure. I say that it was verbal and not in writing since the limb did fall and did eff up my truck, I had no recourse to go to them and have their insurance cover it.

In the end it was covered by my insurance, but is absolute BS since it was not my tree, not my fault and was a known [potential] problem well in advance.

Good luck.

Thanks for your advice here, MRM! Here's hoping this comes to fruition for our good friend, Fred! :p

Fred,

I was on the opposite side of this several years ago. Lightning hit a tree on my property and brought a large branch down on my neighbors driveway. Tree was healthy prior to, and I keep them pruned. Luckily there was no damage done, but I asked my carrier would I have been covered had it damaged the neighbor's car--and was told that my homeowner's policy did NOT cover it as it was deemed an act of God, and it would be the neighbor's insurance to cover the damage, which I think is BS. So, since you didn't have the truck insured yet, you may be out of luck.

As sucky as it is, this.^^

I learned the hard way that any part of a tree that hangs over your property line is considered yours. Even if the trunk and roots are on neighboring property, any limb, branch or leaf that is in your property air space belongs to you and your insurance covers damage caused by them.

Long story short, I had just bought a house a few years ago. Wind storm took out a dead black locust and it landed on the garage. Went right through the roof. No insurance on the property yet and the neighbor was cool about it but I had to foot the bill since the portion of the tree that went through the roof was in my airspace.

I'm sorry to say, but I think you're SOL on this one as far as insurance goes. You could take your neighbor to court and, if you win, their liability insurance (assuming they have some) would cover it then. That may not be a route you'd like to go down.

I understand why you didn't have the vehicle insured as it was not driveable. For future reference, you might consider getting just comprehensive coverage on such a vehicle. I'm not promising that you will be able to obtain just comprehensive, but it might be worth researching. When I park my Mustang for the winter, I cancel the collision and liability but keep the comprehensive active for just such risks.

lesson learned. Im gonna battle them, but I am pretty sure they will send me packing. No part of this tree hung over my property. It just fell that way.
Looks like I am either going to take a bath, or learn how to straighten a pillar.

I probably would have only carried liability on this truck anyhow, so even if it had been on the road, id still be out of luck. Just sucks, when I think of the hours I poured into this old turd over the last year .

Sorry to read this, I've been on a rampage the last few years to trim the aging trees around my property for this very reason.

My neighbor the retired Botanist doesn't like me for trimming and removing the trees, he said "the reason people live here is for the trees and you're cutting them down!"

It doesn't matter whether the tree was leaning over your property before the storm. All that matters is that it used to be on the neighbor's property and it landed on yours. This isn't a fault-based claim. It's more like a first party property damage claim. His tree damaged your property. That's all the analysis the insurance company will do. After that they just figure out the cost to repair or replace and order the check.

As a practice pointer, homeowners insurance typically excludes damage to vehicles. If a house burns with a car in the garage, the insurance on the home usually excludes the vehicle in the garage. That's why it's so important to keep comprehensive coverage on a vehicle that's being stored. If something happens to it it's not insured unless there is insurance on the car itself. Here Fred's homeowners insurance probably excludes damage to vehicles, even though storm damage to anything else (furniture, personal property, the structure itself) is covered. But his neighbor's insurance has to cover it because it's different because the exclusion applies only to the policy holder.

I hope you are right MRM. Im willing to jump in a fix it if I have to , but man, this has really taken the wind out of my sails .