re: OB electricians... what is this going to cost?

*wonders if negligence would cause neighbors liability claim to be denied*

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Why though, risk a claim on your insurance, deductable, etc... when it was a dead tree. That makes them liable, at least according to my louisiana arborist test.

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This, if we were talking 10k in damage I might look to file a homeowners claim, but not in this instance. It will cost you more in the long run...

Be sure to salvage the copper...that's super expensive these days. (of course make sure the lines aren't hot).

1. Get a quote for all repairs from a general contractor (electrical, siding, trim, paint, everything).

2. Compare the general contractor quote to your HOI deductible.

3a. If the quote is more than double your deductible, file a claim with your own HOI company, then go to your neighbor and say "hey, my insurance company wants me to get your insurance company information to figure out how to handle this...got an extra cold beer layin' around?." Then call the neighbor's HOI company and ask to be compensated for your deductible.

3b. If the quote is less than double your deductible, then don't say a word to your HOI...it'll only get your rates raised. Instead, go to your neighbor and say "hey, my insurance company wants me to get your insurance company information to figure out how to handle this...got an extra cold beer layin' around?." (Yeah, it's a lie, but it may get you more cooperation and a cold beer.) Then call the neighbor's insurance company and file a claim.

The fact is that a dead tree is negligence...period. If you have documentation of its "deadness" in a photo, then you should be on solid ground.

Now if it ever comes to the point that you feel that either your insurance company or the other insurance company is fricking you by more than 10%, then hire a "Public Adjuster" to handle the claim...their fee is 10% of the total claim amount, but they sure know how to get the maximum out of an insurance company. I've even found that merely mentioning the word "Public Adjuster" makes an insurance company suddenly cooperate more than an attorney can.

I take it you had a bad experience with a Public Adjuster? That would be a first.

My experience is that they get far more than 10% than I can out of an insurance company, plus I don't have to deal with the hassle.

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I take it you had a bad experience with a Public Adjuster? That would be a first.

My experience is that they get far more than 10% than I can out of an insurance company, plus I don't have to deal with the hassle.

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They never change my mind, but sometimes it is nice to see them to take an irate insured out of the picture. A contractor can argue for you without the need to give up 10%. You just had a bad adjuster...

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Haven't had a single problem since switching to Amica). Seems that reasonable adjusters don't have these problems.

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Good and bad ones with every company...

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Sorry to say, but I'm almost sure the insurance companys will tell you this.

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what he's saying is lets assume you have Healthy Tree A on Neighbor A's Property. Act of God occurs and falls on Neighbor B's Double Wide. Neighbor B's insurance policy will be the one to pick up the damage even though Neighbor A's tree. Considered act of god.

if the tree was dead, his insurance company pays. if the tree was alive its considered an "act of God" and your company pays.