Our house shook years ago and my wife convinced me we needed earthquake insurance, so I had it applied to our homeowners policy. A month or so later I found out there had been some serious blasting at a rock quarry about 4 miles away.
I had a big tree at the edge of my sidewalk. It was starting to split in the middle. I asked the village if the would they would take it down. He said no, but if it fell across the road they would clear it. Well doesn’t half of it fall and block the road, and take out powers lines and a pole? They came and cleared it. I called my insurance company and told them about the tree. I said “The other half will probably fall on my house!” The woman said removing it wasn’t covered, and since I was aware of the liability, if it did fall and damage my house, that wouldn’t be covered. I said “Do you know WHO I am!?” She said “No.” I said “GOOD!” and hung up the phone!
The current expansion of exclusions is for roofs, many companies will cover older roofs now only for cash value-replacement cost -depreciation-deducible so you might get at most $2,000 for a 15 year old roof. Some companies are requiring additional riders for roofs. My 63 year old house is on a very expensive lot and I could likely sell it for more if it did burn down, saving the developer demolition cost so I am considering just getting renters insurance to protect personal items and save $1,200+ a year in premiums. Like for roofs they will only give you the cash value of the home if you do not rebuild, so on a 63 year old house that would be very little.
The dude from FL Premium Member 9 months ago
DUH! Where could that have come fro?
cracker65 9 months ago
Stupid people always think they are smart.
Zykoic 9 months ago
“Act of God” clause was used during ice storm damage claim. Slime insurance companies.
InTraining 9 months ago
Premium Insurance – the agent has the right name for his job… BILL…!
radgrom8109 9 months ago
Gee… I wonder where all that methane is coming from.
orbenjawell Premium Member 9 months ago
….it ain’t the house Burl……it’s you……..
mfrasca 9 months ago
Don’t forget force majeure!
HarryLime Premium Member 9 months ago
Our house shook years ago and my wife convinced me we needed earthquake insurance, so I had it applied to our homeowners policy. A month or so later I found out there had been some serious blasting at a rock quarry about 4 miles away.
tcayer 9 months ago
I had a big tree at the edge of my sidewalk. It was starting to split in the middle. I asked the village if the would they would take it down. He said no, but if it fell across the road they would clear it. Well doesn’t half of it fall and block the road, and take out powers lines and a pole? They came and cleared it. I called my insurance company and told them about the tree. I said “The other half will probably fall on my house!” The woman said removing it wasn’t covered, and since I was aware of the liability, if it did fall and damage my house, that wouldn’t be covered. I said “Do you know WHO I am!?” She said “No.” I said “GOOD!” and hung up the phone!
MeGoNow Premium Member 9 months ago
If they knew anything about Burl, they’d exclude hydrogen sulfide, too. He’s always sitting on a bubble of that.
Gen.Flashman 9 months ago
The current expansion of exclusions is for roofs, many companies will cover older roofs now only for cash value-replacement cost -depreciation-deducible so you might get at most $2,000 for a 15 year old roof. Some companies are requiring additional riders for roofs. My 63 year old house is on a very expensive lot and I could likely sell it for more if it did burn down, saving the developer demolition cost so I am considering just getting renters insurance to protect personal items and save $1,200+ a year in premiums. Like for roofs they will only give you the cash value of the home if you do not rebuild, so on a 63 year old house that would be very little.
oakie817 9 months ago
this is actually relevant
ScottHolman 9 months ago
The first sign you’ve hired a stupid person is they just won’t listen. Then they want to tell you. 1 day hire.
anncorr339 9 months ago
Act of God mean insurance won’t pay you will