vehicle damage from tree.

[BelizeBreeze]

My post was written out of my concern of your lack of understanding of your own homeowners insurance. You were telling the OP something that might not be in his best interest, and you do not seem to understand your own policy, and I don't say that unkindly. Most people don't understand homeowners insurance, because it tends to be written in legalese - as are most legal documents. Homeowners insurance is complicated and as I posted before, I don't purport to know everything, even though I have held a P&C license for 10 years- and if I present something falsely, I don't have a problem saying I am wrong, your are correct, and I sincerely hope you contact your agent to clarify your own coverage’s, because unless someone can actually say I have posted incorrectly, then what I have posted you can assume to be correct.

I don't have to contact my insurance agent. You on the other hand, have no idea of what you speak. Of course, if you've read the poster's insurance policy that's another matter. But you haven't. So either keep quiet or not. But you are showing your ignorance at every post.

 

[Betty]

I haven't read the OP's homeowner's ins. pol. either but I tend to agree with fjcook that it is not likely their homeowner's ins. will cover this. Of course, they can check with their agt. or homeowner ins. company. Normally, homeowner's ins. policies do not cover trees falling on cars - you submit the claim through your auto ins. - comprehensive coverage. I don't know why the tree fell but if it was decaying/dying & the OP knew it & ignored the situation, OP may be responsible for damage to all cars. It's too bad they didn't have car ins. Maybe moburkes will come along & have something to add.

 

[tammy8]

Really? And you know this HOW? Have you read the poster's homeowner's policy?

I have not read the OP's policy. I do know what I speak of because I am an insurance agent in NC. 99% of all policies are written the same in OUR state. This would be a liability issue IF the OP knew the tree was diseased or dying, paid under the liability portion of the homeowner's policy.

Excuse the heck out of me for offering any info I do know

 

[moburkes]

BB and JetX, I agree with Betty and Tammy. This would be covered under comprehensive unless the tree is damaged/decayed/rotted.

 

[JETX]

BB and JetX, I agree with Betty and Tammy. This would be covered under comprehensive unless the tree is damaged/decayed/rotted.

Why did you include me in this??
I agree with them... in that this COULD be included, depending on the actual terms of the policy.

"Depends on your policy and coverage. Ask your agent."

The WRONG by me (and BB) is in response to 'fjcooks' ERRONEOUS post:
"No, Auto insurance covers your auto damage, homeowners insurance only covers the personal posessions you may have in your auto. If homeowners covered auto damage you woul not need auto insurance."
Homeowners insurance COULD cover the damage to the vehicle... depending on the coverage.