Cutting my own tree down and hitting my house. Is it covered by house insurance?

Question

I was cutting some trees down and bounced one off the house. I'll have to see if there was any damage; would that be covered by insurance should something be royally messed up or is it tough luck?

Thanx

Answer 1

It would have to be classified as a covered peril.  Examples of viable tree perils are wind, lighting, falling objects.  Cutting down your own tree is not a covered peril.

The adjuster will probably figure it out if you make a claim.

Answer 2

Any damage the tree does to your house, is covered, subject to your deductible.  It's considered a falling object.

I'm assuming, of course, you have a standard HO3 type homeowners policy.

Answer 3

if you did this on purpose, then its not covered.

but, i doubt you did this on purpose.

so you should be ok.....

as far as committing fraud...dont do it...why expose yourself to jail for just a few thousand or less!

Answer 4

dont risk it, tell them it fell in last nights storm.

Answer 5

tough c**p dear.  insurance fraud usually is frowned upon....

Answer 6

Don't lie about what happened.  Turn the claim in, tell the truth, and see if the insurance company will pay. Two weeks ago, I had a client call me, and he had done the same thing you did. We filed the claim with the company, and much to my surprise, it was covered. I can't guarantee your company will cover this claim, but its worth a shot.