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Tree Damage
This week a gust of wind knocked over a giant poplar (see my pics) which crushed my golf cart, porch swing, composter and knocked the window out of my boat. No big deal except you need a PhD in insurance policies to collect.
1-$1500 limit on boat. Destroyed cover alone is $1,086
2-Tree removal estimate must be in 2 parts, a) lifting the trees off the damaged property, b)removal of trees from property. Total cannot exceed $1,000. Removal of trees from property cannot exceed $500.
3-Finding a replacement window for boat. Dealers don't want to be bothered, I have a call into Regal factory to see if they have a 1999 window hanging around. Otherwise I must get a quote to rebuild window and then get a dealer to give labor estimate.
4-$1000 deductible. It turns out I have 2 insurance policies - Amica homeowners and Boat US for boat. They both cover the boat. But because I called Amica first, Boat US will not cover anything unless I don't get fully reimbursed from Amica. And they both have $1,000 deductible so I can't get Boat US to pay the Amica deductible.
Soooo, who knows. I will probably end up with a loss on this even though I pay a lot of $ for all the best insurance options. And Amica is one of the highest rated companies in consumer reports. Buut, after I get this cleaned up I may be in the market for another golf cart, Kawasaki mule, or JD gator. We will see. The wife really misses her golf cart 
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Tree Damage
Homeowner insurers generally don't cover trees themselves but do cover damage caused by the breakage of a tree on your property. And there are invariably deductables and payment limits. So I don't think you need help in dealing with Amica, which is excellent.
Where you might enlist the help of an insurer advocate or consultant is in getting the most out of the redundant coverage.
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Tree Damage
Sorry to see that crunch but it could have been worse. Glad it didn't fall on the house or car or a family member!
Amica has been very good to us on Car insurance. We have them on our house, too, but haven't needed them for that (fortunately).
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Tree Damage
Crunch;
Sorry to hear of your storm experience, but first the good parts, nobody hurt, and just the excuse you needed to get a Gator.
Our insurance policy is a "One size fits all" so to speak. It covers both houses, the cars, pickup, farm buildings, every thing inside of the houses, buildings, farm liability, etc. all for two tidy premium payments per year.
I will be the last to say I understand insurance terms and definitions so I guees you just have to trust you agent. I have a friend who was amazed to learn that I've never read out poicy word for word, cover to cover, just the high points. Again that's where you have to trust the agent. We're perety rural here so I've known the agent since high school, fifty years this year.
We've had almost every car or truck type claim from totals to deer hits to hit and runs, so far just pay the deductible and no hassle. Last summer,(09), we had quite a bit of storm damage at the farm, roofs, commercial size overhead doors, 35 ft. flagpole, storm doors, etc., etc. I called the agent on a Friday an hour after the storm, the adjuster came on Saturday, said get it fixed and send us the bill, all but the 1000.00 deductible on the whole works, there were no limits per item. So as I said I know very little about insurance of any kind so there are probably as many different home owner policys as there days in a year.
Frank.
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Tree Damage
Will join the others glad no more serious that it was. It would seem the boat policy would be primary as it is only on the boat. Don't just trust they are correct there. Even the best make mistakes. Then have known of adjustors who just were not honest.
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Tree Damage
Having thought on this more, talk with your agent. If separate agents talk with both. If not pleased then call your State Department of Insurance.
Now why the $1500 limit on your boat? Was that an agreed to value or limit in your policy? Or did their policy not give a limit but that is the book value of the boat? Crunch not a boat insurance pro but the cover probably is not the same coverage as the boat itself, it probably is under accessories or such. As such could it be considered personal property under your HO policy?
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Tree Damage
Thanks for the comments! Really, I am not fretting over this. I am happy to have an excuse to buy another toy! I am just amazed at how complicated the rules can get. I wonder why they don't put this in the language of a homeowner rather than an insurance agent.
We ARE lucky. No one was hurt. I normally park my cars where the trees fell. I moved them because of the berries that a tree was dropping all over my car. I now have a tree estimate. I just gotta find a way to quantify the boat windshield now. I will buy my wife (and me) something nice to replace the golf cart even if I don't break even with the repairs.
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Tree Damage
So I bought a mule 610 cx. The wife is having a ball. Great little machine! Regarding highly rated Amica insurance, they sent an adjuster out who was very decent to me and sent me papers to sign with decent figures for my claim. I was just getting ready to sign the papers.
Then Amica calls and says "Congratulations, we are going to offer you X amount with no depreciation". But the amount is $1,000 less than the papers sent to me by their adjuster. Unbelievable!! So I tell them that the adjuster offered me more and they decided to call the adjuster they sent to me so they can get their act together on the numbers.
I am waiting to hear back from them. I would think they have to give me what was offered by the adjuster at this point. But who knows - what a goat rodeo!!
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Tree Damage
Usually the adjuster, whether in-house or external, only recommends the claim disposition to the insurer and is not authorized to obligate the company. The claims agent (exact title differs among companies) considers this plus other factors, and makes an offer to the policy-holder (that can be increased). This office-holder also decides on policy renewal terms (continue as is, decrease coverage or raise deductable, increase premium, or decline).
Forgot to mention earlier that while insurers won't replace a fallen tree, they will usually cover its removal and cleanup.
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Tree Damage
Don't forget the information you are getting on your insurance does vary some from State to State but there is a basic standard Homeowners policy which is the base used in most states. In SC the tree probably would have no coverage on it had it not done damage. As to adjuster obligating the company. if they are that company's own it sure would be hard for them to admit their adjuster was not qualified and if one they contract with think it would be about as hard to.
If you go to their web site where JD Powers rated them there are a lot of comments. As you would expect know those unhappy will make the effort to post when those pleased have little reason to.
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