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Jano61 | My trampolin land 3 houses away because of a storm, should i pay the damages of 800 dollars? |
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MSAD
 |
Lets put the shoe on the other foot.
You have a house. A storm comes through and the neighbors lawn chair and trash can are blown into the side of your house causing damage. How would you feel? Your house did not move. It stayed secured where it was supposed to.
You'd probably expect the neighbor (who did not bring in their trash cans and secure the lawn chair before the storm) to pay for your damage.
You can either pay the 800 out of pocket.. of file a claim under your homeowner's insurance. Your homeowners liability coverage may pay for the damage.
Either way.....get rid of the trampoline. |
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J K
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yes, its the right thing to do. |
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Jihn
 |
Yes. If it was your property and was not sufficiently secured to prevent it from blowing away (which it obviously couldn't have been) then you are personally liable for any resulting damages.
This COULD be submitted to your homeowner's insurance, but more than likely your deductible is $500 or $1000 so you really won't gain much savings and this claim will probably raise your rates.
Also, many insurers will not insure you if you have a trampoline so unless your agent already knows you have a trampoline your insurance company may non-renew you if they find out you have one. |
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amylovescalvin
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I just had this question asked to me by a client and I spoke to an underwriter. You are NOT liable for the damages caused by your trampoline unless you threw it into the other persons property and caused damage. Your homeowners would not cover it even if it did meet the deductible so you should not have to pay for it. You cannot control what the ins companies call "acts of God" so you are at no fault. |
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rachel u
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You should..that is if they can prove that it is your trampoline. |
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mbrcatz
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What damages? Did your trampoline damage someone else's property?
If wind blew it, you are NOT liable for it - you didn't cause the wind. If you feel like paying the damages, feel free. If not, you don't have to - they should be submitting the claim to their own homeowners policy.
Heck, maybe they are, and they're just trying to squeeze you for an extra $800. |
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Public Adjuster
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If the homeowner of the house that was damaged by your trampoline recovered money from their own homeowner coverage, then you don't have to pay, if you do and you inform their insurance company that company has the right to recover the money it already paid out, subrogation. If however they did not file any claim and you are certain that your trampoline caused the damage then you could pay. Depending on your deductible you could make a claim against your homeowner policy, however I would caution against that as too many claims against your homeowner policy can make you a non-renew risk for your insurance company.
A public adjuster in Florida |
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amust2407
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In my opinion, I think you should've secured the trampoline to the ground because EVERYONE who owns a trampoline knows the wind can pick it up and move it pretty easily. If I were the insurance adjuster acting on your behalf, I'd pay the claim because I think you were negligent in securing your property. Whether or not you want to file a claim with your insurance company so they can investigate is up to you. |
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