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re: The FEMA help money and Chainsaw/Generator refund

Posted on 9/10/21 at 9:19 am to
Posted by Who_Dat_Tiger
Member since Nov 2015
19077 posts
Posted on 9/10/21 at 9:19 am to
quote:

You should discuss the value of the tree itself with your adjuster. I was paid for the tree as well as the cost of removal in a previous storm. A massive oak is very valuable and affects property value.


Hadnt thought of that. Do you know what coverage that would fallen under?

For instance I have dwelling, contents, loss of use and "other structures" coverage on my homeowners.

Im guessing the oak tree would fall under other structures because Ive been reading through my policy to make sure I dont miss anything and know the tree wouldnt be covered under dwelling or loss of use.
Posted by lsufan112001
sportsmans paradise
Member since Oct 2006
10779 posts
Posted on 9/10/21 at 10:35 am to
I called today, took 45 minutes, to be told by a foreign lady (#5555) that saws and generators may not be reimbursed if you have insurance (homeowners or flood). Even the medical exception for the generator still applied and has not been waived.
Also an inspection of the property would be required.

This is just what I was told. A little bit opposite to what’s above.

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