My trampolin manor 3 houses away because of a storm, should i retribution the damages of 800 dollars?
I newly had this question asked to me by a client and I spoke to an underwriter. You are NOT liable for the damages cause by your trampoline unless you threw it into the other persons property and caused injure. Your homeowners would not cover it even if it did meet the deductible so you should not have to earnings for it. You cannot control what the ins companies call "acts of God" so you are at no criticize.
Yes. If it was your property and was not sufficiently secured to prevent it from blowing away (which it openly couldn't have been) then you are one-sidedly liable for any resulting damages.
This COULD be submitted to your homeowner's insurance, but more than likely your deductible is $500 or $1000 so you really won't gain much savings and this claim will probably tilt your rates.
Also, many insurers will not insure you if you have a trampoline so unless your agent already know you have a trampoline your insurance company may non-renew you if they find out you have one.
If the homeowner of the house that was damaged by your trampoline recovered money from their own homeowner coverage, consequently you don't have to pay, if you do and you inform their insurance company that company have the right to recover the money it already paid out, subrogation. If however they did not directory any claim and you are certain that your trampoline caused the mischief then you could pay. Depending on your deductible you could receive a claim against your homeowner policy, however I would caution against that as too many claims against your homeowner policy can kind you a non-renew risk for your insurance company.
A public adjuster in Florida
Answers: Lets put the shoe on the other foot.
You have a house. A storm comes through and the neighbors lawn stool and trash can are blown into the side of your house causing damage. How would you touch? Your house did not move. It stayed secured where it was supposed to.
You'd probably expect the neighbor (who did not bring within their trash cans and secure the pasture chair before the storm) to payment for your damage.
You can either remuneration the 800 out of pocket.. of file a claim under your homeowner's insurance. Your homeowners liability coverage may foot for the damage.
Either way..procure rid of the trampoline.
What damages? Did your trampoline violate someone else's property?
If wind blew it, you are NOT liable for it - you didn't cause the twine. If you feel like paying the damages, grain free. If not, you don't have to - they should be submitting the claim to their own homeowners policy.
Heck, maybe they are, and they're only just trying to squeeze you for an extra $800.
In my opinion, I regard you should've secured the trampoline to the ground because EVERYONE who owns a trampoline knows the wind can pick it up and move it pretty slickly. If I were the insurance adjuster acting on your behalf, I'd pay the claim because I feel you were negligent within securing your property. Whether or not you want to file a claim with your insurance company so they can investigate is up to you.
You should..that is if they can prove that it is your trampoline.
yes, its the right thing to do.