BWillie |
01-12-2017 11:05 PM |
Quote:
Originally Posted by Rausch
(Post 12677064)
If it hits the (maximum) 1 inch of ice I'll lose 3/4ths of 2 weeks pay and likely have the neighbors tree crash on my home (which I've been told is an "act of God" and not covered by his insurance.)
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Quote:
Originally Posted by Snica
(Post 12677070)
The act of god crap is such bs. Hail is an act of god too.
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Quote:
Originally Posted by Rausch
(Post 12677081)
If that tree falls there will be a lot of "acts of God."
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6 years ago I used to do homeowners claims for an insurance company. I would never call it an act of god in these cases, but rather an act of nature. Religious people sometimes freak out about that verbiage. One of my co-workers preferred to use the act of god reference, and I still remember some crazy guy fed exed a 7 pound stick to our office with a long angry rant about how we were screwing him and blaming god.
It makes perfect sense. Just owning a tree does not make you inherently liable. You have liability insurance on your insurance policy and then you have coverage for your own damage at your set deductible. Your LIABILITY insurance will ONLY pay for someone ELSES damages if you are at fault. You know, just like your auto liability insurance does. People would always lose their shit when they found out their neighbors liability insurance would not pay for their damage, and they instead had to go through their own policy and pay their deductible. Now if it's a dead tree or has ongoing problematic issues, that can be a different story. But any healthy tree will be prone to losing limbs in an ice storm or in 30-40mph+ winds. 95% of the time, it's going to be an act of nature.
If a tornado picks up your car, and flings it 7 houses down the road into the side of their house, you wouldn't try to sue the owner of the car would you? Same thought process.
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