WHO PAYS FOR THE DAMAGE?

Ownership

Determine whose property is it?

Ownership

Determine who ‘owns’ the property (generally the person who paid for it.)

Cost

How much to replace the property?

Cost

Get estimates to replace the property.

Insurance

Will my insurance policy cover it?

Insurance

Contact your insurance company about policy coverage.

Make Sense

Does it make sense to claim it?

Make Sense

Depending on the policy and deductible, see what makes the most sense.

Downed Fences?

Once you’ve determined who ‘owns’ the fence (generally the person who paid to install it initially), and how much the repair will cost, you can determine what to do next. Often both you and your neighbor want the fence so negotiating a cost share agreement might make sense. If you do this be sure that you and the neighbor have a clear understanding regarding the cost and who will be responsible for all aspects of the replacement.

Downed Trees?

If a tree hit a house, car or outbuilding generally the owner of the tree, car or outbuilding will want to put a claim in with their homeowners insurance. This is generally true even if the offending tree came from someone else’s yard! A caveat to this is that if the tree was damaged by disease or decay and the owner of the tree knew, or should have known, that the tree was in a weakened condition then liability may rest with the tree’s owner. This is not generally easy to prove but is something to consider, particularly if damage to your property was great.

If a downed tree damaged multiple yards, generally each property owner is responsible for the damage to their yard. As a good neighbor you may want to consider assisting if the tree came from your yard, but generally you are not strictly obligated unless the tree was diseased or damaged and you knew, or should have known, that it would be likely to fall in a storm. Some, but not all, homeowner’s policies will cover damage to a yard so if the damage is great consider checking coverage on your homeowner’s policy.

Power Related Loses

Again, how you proceed will depend upon your policy. If you lost valuable electronics due to power surge it is worth checking your policy for coverage options. If your refrigerator was off for a few hours and you dumped $200.00 worth of iffy food…probably not. To avoid additional damages winterize your outdoor faucets and check for damaged or diseased trees

If forecasts regarding this winter were accurate we may be in for some additional wild weather. Attached are some damage pictures from our property and a friend’s. Share yours with me as well!