Our healthy tree fell on our car during storm with 60 mph winds. Liability only on car, now what?

Question

We have our homeowners, can we turn something into that?

Answer 1

Homeowners won't pay for this.  Sorry, but with no comprehensive coverage, You are "self insured".

Answer 2

homeowner insurance will cover it/ its not the cars fault

Answer 3

No. Only comprehensive will cover the automobile in this case.

Save up and pay for the damages.

Answer 4

As far as auto insurance, it's a comprehensive claim.  If theres no coverage....theres no repairs.

Homeowners insurance has so many different coverage levels and exclusions you really need to check your policy.

Answer 5

Your homeowners insurance will NEVER, EVER pay for damages to your car, sorry.

Your homeowners insurance MAY pay for damages to SOMEONE ELSE's car under your liabilty IF you are found negligent (example: you are playing baseball with your son in the yard & accidentally throw a wild pitch that hits a passing car, your homeowners would pay the damages).

You chose liability only on your vehicle, so you told the insurance, "any damage that happens to my car, I pay for", so you have to pay for it.

Answer 6

I would talk to both insurers, for you house and your car, since something on your property destroyed your car.

Answer 7

It is unlikely that homeowners will cover it, but it can't hurt to ask.  I had a tree fall on my car from a neighbor's yard.  His insurance said they would only cover it if the tree obviously needed cutting down, like it was extremely rotted or something.  As it was I was lucky to have full coverage.