Anyone bought a trampoline, put it up and consequently own an insurance company emergency you help yourself to it down or drop you?
Insurance company has demanded trampoline come down. Saftety nets, fully developed supervisor followed to a "T". Spent good amount of $$$ on it! Been up for less than a year. Under warranty. Anyone hold any suggestions?
I understand your frustration. I'm surprised they didn't simply raise your rates as they would if it be a pool. A pool must be surrounded by a fence so many foot high. Maybe you should ask if a trampoline is the same? If you whip reasonable precautions to keep populace out of your yard, for example a fence and no trespassing signs posted on the obstruction, most insurance companies will insure pools, ponds, trampolines, built in oversized swing sets, etc. But again, they may raise your rates because of the added liability. You should whip this time to call around and get rate quotes for comparable policies from other companies to see if probably you need a new homeowner's insurance agent. If you don't want to transform agents, you have no other choice but to argue the point with them or make available in and take it down (and conceivably sell it to recoup some of the money lost on the purchase).
**add**
If you choose to simply put it put money on up without the insurance company's knowledge and consequently something happens to someone while playing on the trampoline, the insurance company will not only drop you but you will not be covered by the policy you enjoy, so you will also probably lose your house and any other assets you might have to cover the costs of the lawsuit that person will surely profile against you (for the medical expenses, pain and suffering, etc. etc., etc.)
Yep, it happens ALL THE TIME. Trampolines are the second largest claims source on a homeowners policy.
I don't know of ANY insurance company that will give you coverage, if you enjoy one.
yes, most companies will not insure property with a trampoline. I have 1 company that will agree to the insured sign an exclusion if they have one. There are way too abundant injuries and claims from them. if you decide to move coverage due to this, make sure you recount the next company about it because if you don't and enjoy an injury they will NOT cover you.
Answers: Yep.
Get rid of the trampoline.
They are accidents just waiting to come to pass. It's not "if" an accident will happen.it's when.
Even next to safe use ...they are dangerous. Many insurance companies will not insure homes that hold them.
I've seen claims with broken arms/legs (repaired beside pins/plates), broken teeth/jaw.
All the safety nets are not going to hold you from taking a bad bounce and landing wrong and breaking something.
If a child from another home comes over and jumps on the trampoline and get hurt---- you can be sued. You will be responsible for medical bills (which can be a lot) - pain and suffering and any impairment that results. Do you really want to jeopardize your financial future on a toy?
Take this how ever you want..I'm an insurance adjuster. And after every entry I have seen on trampoline claims...I would NEVER own one.
yea.
but we put it back up after they left :)
YES. Trampolines and pools are HUGE liabilities. Are you going to give somebody a lift it apart every night and lock it up? No. I didn't think so. Anyone can sneak through the safekeeping net and get hurt. If someone get hurt or injured on your property they can sue you.
If someone drowns in your pool or breaks their neck on your trampoline they or their domestic can sue you for everything!
Is losing your home to a lawsuit really worth it?
P.S.--Call around and find another insurance company that allows them and be sure to increase your liability to $1,000,000. You'll definately want that protection.