No Insurance: Neighbors tree damaged my building

[dvangieson]

What is the name of your state (only U.S. law)? New York

Due to the high winds caused by hurricane sandy, a neighbors TREES fell and did extensive damage to my building (over $20,000 not including cleanup). I was not insured. Can I pursue the neighbors homeowners insurance to get some compensation for damages?
thank you.

No insurance unexpected change of management due to death. Area is 630' above sea level, 50 miles northwest of NYC.

 

[justalayman]

You can pursue them but they aren't going to give you anything. They are not responsible for the damage so they won't pay you for it. I understand there is some FEMA money being tossed about over there. You might look for something along those lines.

 

[OHRoadwarrior]

This is why you should carry property damage insurance. Of course this is also why you should not buy property in areas prone to hurricanes.

 

[dvangieson]

What is the name of your state (only U.S. law)? New York

Due to the high winds caused by hurricane sandy, a neighbors TREES fell and did extensive damage to my building (over $20,000 not including cleanup). I was not insured. Can I pursue the neighbors homeowners insurance to get some compensation for damages?
thank you.

Should have included this business is a rental house so FEMA directs me to SBA

 

[sandyclaus]

What is the name of your state (only U.S. law)? New York

Due to the high winds caused by hurricane sandy, a neighbors TREES fell and did extensive damage to my building (over $20,000 not including cleanup). I was not insured. Can I pursue the neighbors homeowners insurance to get some compensation for damages?
thank you.

Unless those trees were dead or damaged, and ready to fall over on their own prior to Hurricane Sandy, it's going to be considered an "act of God". Your neighbors didn't cause the damage to your property through negligence or failure to maintain those trees, so their insurance will reject any claim you try to file to recover your costs to repair.

Perhaps next time, you should have your property insured. If you still have a mortgage on the property, they REQUIRE you to have it.

You can always try to file a claim with FEMA to see if they can provide you some relief.

 

[sandyclaus]

Should have included this business is a rental house so FEMA directs me to SBA

Then, UNFORTUNATELY, it's your own fault for not having your rental property insured. This is going to be a very expensive mistake in the long run for you.

 

[ecmst12]

This is why you should carry property damage insurance. Of course this is also why you should not buy property in areas prone to hurricanes.

NY is not an area prone to hurricanes, genius.

 

[OHRoadwarrior]

NY is not an area prone to hurricanes, genius.

I guess the City of New York and many weather authorities disagree with you. He who ignores history is doomed to repeat it.

http://www.nyc.gov/html/oem/html/hazards/storms_hurricanehistory.shtml

 

[ecmst12]

If by "prone to hurricanes" you mean "has experienced significant damage from a hurricane once that is not likely to ever happen again for the next several hundred years", then I guess NY qualifies, but your definition is pretty different from the rest of the english-speaking world. Storms with the power to knock down trees can occur anywhere in the country from time to time, but I wouldn't go basing my house-buying decisions on that, or I'd have to go live in a cave somewhere. Hurricanes have landed on the northeast coast before, but generally the damage is pretty minimal and limited to coastal areas.

 

[justalayman]

If by "prone to hurricanes" you mean "has experienced significant damage from a hurricane once that is not likely to ever happen again for the next several hundred years", then I guess NY qualifies, .

You're kidding, right?

Read the link OHRoadwarrior provided.

 

[Banned_Princess]

This is why you should carry property damage insurance. Of course this is also why you should not buy property in areas prone to hurricanes.

You seriously have to cut this BS out.

Should we all move inland? Do you like the beach? or casinos? or amusements on a boardwalk by the beach? How about vacations in the Hampton's, Do you like sea food or OIL? Gas for your car? How do you think these things would be so awesome if it weren't for the people who live on the coast.


This is NY (and jersey. the whole eastern seaboard actually.) and we aren't going to move because we got some sand in our homes. we are going to build up better then before. Then I bet you will want to make plans to visit us. the absolutely best cities in the WORLD.

Whats that you say? too poor to afford a vacation? thats too bad. Good thing we attract billionaires and celebrity's, Billions of people visit NYC daily, Millions more visit Fire Island and enjoy relaxation all over Long islands south shore, and we don't need your business, stay where you are in your bunker, I will enjoy bars on the beach come July.

oppinion that noone should live where hurricanes extremely rarely destroy hundereds of billions of dollars in property. we lived. thanks for your concern.

 

[Banned_Princess]

NY is not an area prone to hurricanes, genius.

Well, we do get hurricanes, but never had the destruction like this in the lifetime of anyone alive.

And I don't care if the genius' link shows there has been destruction before, what are we all supposed to do, flee our homes our lives and the place we have lived for generations. ?? the first Americans landed here, we are not going to run away. we are going to fix it up like new.

its only been a month, and we have got gas back, electricity on, and started cleaning up. Hopefully Fire Island Will be able to return home soon but with winter already in full swing, they might be displaced through spring.

There was alot of property loss, but not everyone suffered in that manor. if you lived a mile from the shore you might have had some wind damage, but that, like you said, occurs everywhere.

What was unlike any storm in the past was the size and duration of this devastating storm, only in the gulf region would we expect storm surges like this, we are pretty well protected up here. what with the cold water and all.

 

[TheGeekess]

Well, we do get hurricanes, but never had the destruction like this in the lifetime of anyone alive.

And I don't care if the genius' link shows there has been destruction before, what are we all supposed to do, flee our homes our lives and the place we have lived for generations. ?? the first Americans landed here, we are not going to run away. we are going to fix it up like new.

its only been a month, and we have got gas back, electricity on, and started cleaning up. Hopefully Fire Island Will be able to return home soon but with winter already in full swing, they might be displaced through spring.

There was alot of property loss, but not everyone suffered in that manor. if you lived a mile from the shore you might have had some wind damage, but that, like you said, occurs everywhere.

What was unlike any storm in the past was the size and duration of this devastating storm, only in the gulf region would we expect storm surges like this, we are pretty well protected up here. what with the cold water and all.

No we didn't. We crossed the Bering Strait long before Europeans crossed the Atlantic.

 

[OHRoadwarrior]

Then shut up and pay your own freight, when everything gets destroyed. Don't go crying to Uncle Sugar for tax dollars, ocean barriers and FEMA support. We will have no issues. People living by the water are not necessary for beaches, seafood, oil or gasoline. Vacations at the beach would be much cheaper. I don't think I would have had to pay the $3500 to be oceanside at the OBX a few months ago. I would have been able to freely enjoy 4 wheeling on all the beaches also. We could have slapped down a few tents and stayed for a few bucks. I have enough sense not to live in tornado zones, hurricane zones or earthquake zones. Guess what, I haven't suffered a loss from any of them either. Go Figure.

You seriously have to cut this BS out.

Should we all move inland? Do you like the beach? or casinos? or amusements on a boardwalk by the beach? How about vacations in the Hampton's, Do you like sea food or OIL? Gas for your car? How do you think these things would be so awesome if it weren't for the people who live on the coast.


This is NY (and jersey. the whole eastern seaboard actually.) and we aren't going to move because we got some sand in our homes. we are going to build up better then before. Then I bet you will want to make plans to visit us. the absolutely best cities in the WORLD.

Whats that you say? too poor to afford a vacation? thats too bad. Good thing we attract billionaires and celebrity's, Billions of people visit NYC daily, Millions more visit Fire Island and enjoy relaxation all over Long islands south shore, and we don't need your business, stay where you are in your bunker, I will enjoy bars on the beach come July.

Now STFU with ur BS oppinion that noone should live where hurricanes extremely rarely destroy hundereds of billions of dollars in property. we lived. thanks for your concern.

 

[OHRoadwarrior]

If by "prone to hurricanes" you mean "has experienced significant damage from a hurricane once that is not likely to ever happen again for the next several hundred years", then I guess NY qualifies, but your definition is pretty different from the rest of the english-speaking world. Storms with the power to knock down trees can occur anywhere in the country from time to time, but I wouldn't go basing my house-buying decisions on that, or I'd have to go live in a cave somewhere. Hurricanes have landed on the northeast coast before, but generally the damage is pretty minimal and limited to coastal areas.

More like every 50 to 75 years a major one hits.