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Re: Squashed A/C unit [Re: Cmack] #15200351 09/25/24 12:24 PM
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HasBen Online Content
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Over the years, I’ve had a couple of neighbor trees fall into my yard. The damage and the removal of the tree was on me. Neither one met my deductible, so it was all out of pocket….my pocket.


“ When you're racing, it's life. Anything that happens before or after is just waiting.”. Steve McQueen
Re: Squashed A/C unit [Re: Cmack] #15200364 09/25/24 12:36 PM
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When a neighbors tree falls in your yard, it be comes your tree.

File a claim if it will exceed your deductible.


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Re: Squashed A/C unit [Re: HasBen] #15200365 09/25/24 12:38 PM
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Originally Posted by HasBen
Over the years, I’ve had a couple of neighbor trees fall into my yard. The damage and the removal of the tree was on me. Neither one met my deductible, so it was all out of pocket….my pocket.

Doesn’t sound “like a good neighbor” to me.

Re: Squashed A/C unit [Re: Cmack] #15200368 09/25/24 12:38 PM
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The neighbor should offer to pay the deductible

Re: Squashed A/C unit [Re: Cmack] #15200385 09/25/24 12:52 PM
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nellie Offline
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Good luck with that,lol

Re: Squashed A/C unit [Re: Cmack] #15200393 09/25/24 12:55 PM
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I had a boat claim. Somehow it is listed as a homeowners claim. Didn’t change my rates, but we wanted to move everything to a different insurer and they advised that we should wait a year, as we have an $1100 claim a year and a half ago. Haha.

F-in insurance. Can’t live with it, or without it.


Ranger Z520 guy.
Re: Squashed A/C unit [Re: nellie] #15200395 09/25/24 12:57 PM
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Originally Posted by nellie
Originally Posted by Cmack
Originally Posted by Duke 22
Whatever you do don't file an insurance claim, that $7,000 condenser will end up costing you $70k by the time your premiums are done rising...


The tree that got me was a known dead tree in my neighbors yard that had been struck by lightning 4-5 months ago. Their insurance will/should cover it under their liability.

Cause of loss will be wind, doubt your neighbors liability policy is going to cover any of your damage.

Yes their policy only covers damage to their property most of the time, so it will be on your insurance policy.


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Re: Squashed A/C unit [Re: nellie] #15200407 09/25/24 01:05 PM
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Originally Posted by nellie
Originally Posted by Cmack
Originally Posted by Duke 22
Whatever you do don't file an insurance claim, that $7,000 condenser will end up costing you $70k by the time your premiums are done rising...


The tree that got me was a known dead tree in my neighbors yard that had been struck by lightning 4-5 months ago. Their insurance will/should cover it under their liability.

Cause of loss will be wind, doubt your neighbors liability policy is going to cover any of your damage.

This

Re: Squashed A/C unit [Re: outfishdya] #15200415 09/25/24 01:11 PM
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Originally Posted by outfishdya
New capacitor and some freon should get it back up..

roflmao


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Re: Squashed A/C unit [Re: Cmack] #15200421 09/25/24 01:16 PM
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Back when I was in Irving, A buddy put his motorcylce in my back yard, neighbor tree fell down on fence and hit motorcycle, it had been there couple years I don't know what happened to the owner, but their insurance gave me money for the motorcycle

That was about 25 years ago. I didn't even ask for money the adjustor of the neighbor cut me a check for it.

Re: Squashed A/C unit [Re: Cmack] #15200424 09/25/24 01:17 PM
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Dang... Dan


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Re: Squashed A/C unit [Re: Cmack] #15200437 09/25/24 01:26 PM
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That’s a lot of suck right there . Hope it works out in your favor some how.

Re: Squashed A/C unit [Re: Cmack] #15200497 09/25/24 02:25 PM
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This is why I have NO problem cutting limbs that come over my property line.

Re: Squashed A/C unit [Re: Cmack] #15200525 09/25/24 02:52 PM
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Neighbor said they knew the tree was dead and should have had it removed. They told me to call our a/c guy and have it replaced and they'd cut him a check. A/C guy just left and will be back tomorrow morning to do the install.


Re: Squashed A/C unit [Re: Cmack] #15200526 09/25/24 02:54 PM
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Originally Posted by Cmack
Neighbor said they knew the tree was dead and should have had it removed. They told me to call our a/c guy and have it replaced and they'd cut him a check. A/C guy just left and will be back tomorrow morning to do the install.



You have some good neighbors there! thumb


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