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Posted on 12/8/22 at 9:32 am to thatguy
quote:
took pics and got a notice that I had to remove trampoline or be dropped.
Will pay for a copy of this. HATE the one in our back yard but im not allowed to get rid of it. If I dont constantly move it around during the summer heat, the grass underneath gets fried.
Posted on 12/8/22 at 9:51 am to ThePoo
quote:
Not necessarily, some companies will cancel for a trampoline, some will mere exclude liability coverage for it
If they are asking you to remove it they are the cancelling type.
Companies will occasionally do re-inspections, especially when they are feeling pinched and looking to reduce their exposure. Tons of re-inspections were done post Ida for example
I find this interesting and the timing of OP's question couldn't have been better. This crossed my mind recently because I'm planning to get my kids a trampoline for Christmas (and it's a very nice, 15-foot JumpFlex).
We're on our second year with the same carrier and I suspect they will continue to be our best deal moving forward, so not likely to send anyone out anytime soon. That said, the backyard is a fully fenced 1.75 acres with a great Pyrenees and lab mix that don't allow folks they don't know to get very close. Actually almost had the current carrier try to drop us over having an aggressive dog but they told the dude that came out to take the initial pics he was being a pussy and that the dog was doing its job. They subsequently chose to drop that claim instead.
But what is the apprehension about trampolines for insurance companies? Is it for non-residents of the home getting injured and suing? We have great health coverage, so an injury would never cross my mind as being a homeowner's claim. I'm totally new to trampolines, so I really have no idea.
Posted on 12/8/22 at 10:22 am to thatguy
Trampoline is really that important to you huh?
Posted on 12/8/22 at 8:14 pm to Crimson1st
quote:Those Gordon McKernan billboards don’t pay for themselves
Sounds like LA has some shitty liability laws.
Posted on 12/8/22 at 8:17 pm to thatguy
quote:
How likely are they to actually come back out and check if it's been moved or not? Good idea or not?
Posted on 12/8/22 at 8:19 pm to thatguy
Took ours down for a while put it back up no issues. Kids stopped using it now it’s gone for good.
Posted on 12/8/22 at 8:40 pm to thatguy
Your kids friend comes over and gets on the trampoline. Takes a nasty spill and suffers some pretty serious injuries. Parents sue you and you submit it to your homeowners insurance company. Guess who's on the hook personally when coverage is denied?
Posted on 12/8/22 at 9:54 pm to thatguy
I paid a surveyor to draw my home lot lines as small as possible (we were building in the middle of an empty field). Anyway, because of the way the lot is drawn, I have our pool built on the surrounding property. I've specified for the home insurance company that they are not insuring that part of my property, and they don't give me any grief. I figure worst case scenario, I've got a $10 million umbrella policy covering the overall farm, so if anything bad happens with the pool, I should be covered.
Posted on 12/8/22 at 10:01 pm to FCP
quote:
I've got a $10 million umbrella policy covering the overall farm, so if anything bad happens with the pool, I should be covered.
Be careful with that. Some carriers (or brokers) may call them Umbrella Policies but in fact many are in reality Excess Liability policies that require underlying coverage instead of being from the ground up coverage. No underlying coverage and your umbrella may not respond either in some cases.
Posted on 12/8/22 at 10:05 pm to Cymry Teigr
quote:
Be careful with that. Some carriers (or brokers) may call them Umbrella Policies but in fact many are in reality Excess Liability policies that require underlying coverage instead of being from the ground up coverage. No underlying coverage and your umbrella may not respond either in some cases.
Our umbrella requires you to have at least $250k of underlying coverage. If I don’t, they will pick it up at the $250,001st dollar of judgment.
You essentially have an SIR to the first dollar of umbrella coverage if you don’t have the base level liability coverage.
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