re: Got my homeowners renewal

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Hey! Want to share the agent name?

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Yeah man I use Bobby Faul out of Mandeville and I have geico on all my shite. Cars, boat, main houses and my rental houses.

Only thing I don't have with him is my business insurance.

I have a nice house in uptown new orleans. I have a new roof and have Citizens at $14k instead of private at $20k

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Why are you filing? Your neighbors insurance should be the one a claim is against. His tree

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My understanding is that if a neighbor tree falls on your property during a storm, it's now your tree, your problem and your insurance claim. The only exception is that if you can demonstrate the neighbor was negligent in not maintaining the tree and that's a hard hill to climb. It typically requires you to get an Arborist report and send a certified letter to the neighbor putting them on notice before the tree falls. Or maybe if the tree is in such bad shape that it would be obvious to a reasonable person that it posed a hazard and even then you have the added problem of the storm (Act of God) contributing to the tree's fall.

Also there is a city easement between my neighbor's property and mine and I'm not sure if the tree was on his land or the city easement. It's close enough to probably require a survey and then you're fighting City Hall.

So right now my strategy is to work through my homeowners and if they want to subrogate a claim against someone else then they can. I'm also catching a break in that a different neighbor (also hit by the same tree) is claiming the cost to cut up and remove the tree and the repair of a common fence we share.

Had a limb go through my roof recently. Made about a 6”X6” hole. Adjuster comes out, looks at it and tells me they can’t do anything because any roof repairs must come with an entirely new roof. And, of course I don’t need a new roof, not even close.

RIP OFF

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willing to take the risk at this point

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You ought to look at an EX-wind policy. Will be 20% of the cost. At least carry liability!

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I will let you know how smoothly things go with USAA but they seem to have a good reputation. What happens to my rates going forward, we shall see.

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USAA Claims usually go very smooth. In this case you may get the "run around" b/c it's your neighbor's tree and may not be covered under your policy.

I'm maybe 2 miles from you and ours is roughly $2500/yr

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Middle class will not be sustainable and will have to leave. Louisiana will be the wealthy supporting the welfare crowd.

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Yet somehow I think they’re gonna vote Republican till the cows come home

Who is your agent if you don't mind saying?