Post random pic Thread

TBItoy · Feb 5, 2018

I don€™t understand how your neighbors tree could smash your truck (or any of your property) and you not at least get something!?

A letter from a lawyer might go a long way in this case

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BUG-E J · Feb 5, 2018

A buddy of mine about burned his garage down working on his 4runner. It messed the side of it up pretty good and homeowners told him they wouldnt cover it the vehicle is required to have insurance. It was in a garage attatched to his house with the door down.

ranger11 · Feb 5, 2018

Re: Re: Post random pic Thread

TBItoy said:
I don‚„t understand how your neighbors tree could smash your truck (or any of your property) and you not at least get something!?

A letter from a lawyer might go a long way in this case

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It's an act of God. It just happened to damage the most expensive thing in my yard other than the house or shop.

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ranger11 · Feb 5, 2018

Re: Re: Post random pic Thread

BUG-E J said:
A buddy of mine about burned his garage down working on his 4runner. It messed the side of it up pretty good and homeowners told him they wouldnt cover it the vehicle is required to have insurance. It was in a garage attatched to his house with the door down.

According to my insurance it would have been coved had it been under a permanent structure. But that's what they say now. Hell I'm willing to bet this whole ordeal is gonna cost me vs them.

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dwa2469 · Feb 5, 2018

Is a tornado or a hurricane and "act of god" this seems shady

TacomaJD · Feb 5, 2018

It generally costs nothing to consult with a lawyer. Ask your friends/locals for a reputable one in your area and schedule an appointment to go talk to them. That's horse****. If it was your tree, I could see issues with a claim. But it was a neighbor's, of which you had no control over, and never seemed to pose risk prior. Just see what the lawyer says. Be prepared, bring them the details on your homeowner's policy, tell the lawyer everything and get his opinion. It'd certainly be worth an hour or two of your time to talk to a lawyer about it before just saying **** it and accepting the total loss.

TacomaJD · Feb 5, 2018

Furthermore, who the fawk do you have insurance with so I can avoid them in the future??

ranger11 · Feb 5, 2018

Allstate. It's the same with all of them. Google it... Not **** not a hit against you Jd, I had a few people look it up and send it to me. It's common. Im already planning the lawyer talk just afraid it's gonna cost more money. The main factor is, that a vehicle that should have had insurance on it got damaged. Has anyone reading this ever got paid for a vehicle that didn't have insurance on it that was damaged to any kind of storm? A vehicle isn't part of the home.

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BUG-E J · Feb 5, 2018

ranger11 said:
Allstate. It's the same with all of them. Google it... Not **** not a hit against you Jd, I had a few people look it up and send it to me. It's common. Im already planning the lawyer talk just afraid it's gonna cost more money. The main factor is, that a vehicle that should have had insurance on it got damaged. Has anyone reading this ever got paid for a vehicle that didn't have insurance on it that was damaged to any kind of storm? A vehicle isn't part of the home.

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Ha. Ol jd losing touch with his google skills

muddinmetal · Feb 5, 2018

ranger11 said:
Allstate. It's the same with all of them. Google it... Not **** not a hit against you Jd, I had a few people look it up and send it to me. It's common. Im already planning the lawyer talk just afraid it's gonna cost more money. The main factor is, that a vehicle that should have had insurance on it got damaged. Has anyone reading this ever got paid for a vehicle that didn't have insurance on it that was damaged to any kind of storm? A vehicle isn't part of the home.

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Just FYI I deal with auto insurance every day and Allstate has become a bottom rung insurance. Like Omni & The General

InittowiniT · Feb 5, 2018

Had A pickup get a tree across bed due to a storm and got told the same thing . Vehicles must be insured .

muddinmetal · Feb 5, 2018

InittowiniT said:
Had A pickup get a tree across bed due to a storm and got told the same thing . Vehicles must be insured .

Absolutely, if a tornado picks up and tree and it lands on your dog, you aren't going to get reimbursed

hwmiller · Feb 5, 2018

ranger11 said:
Allstate. It's the same with all of them. Google it... Not **** not a hit against you Jd, I had a few people look it up and send it to me. It's common. Im already planning the lawyer talk just afraid it's gonna cost more money. The main factor is, that a vehicle that should have had insurance on it got damaged. Has anyone reading this ever got paid for a vehicle that didn't have insurance on it that was damaged to any kind of storm? A vehicle isn't part of the home.

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What state was this in?

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Zjman · Feb 5, 2018

Rager11 is correct, about 8 years ago I lived in a house trailer with a addition, in a freak windstorm my neighbors carport ripped off and went airborn, this carport was 14x70 and mostly 2x6 and built really well but they never cemented the 4x4 post in the ground, well it landed right smack on top of my place and pretty much destroyed it, I lost almost everything I owned cause it rained and by time I got home it was drinched and unsafe to go inside, then the next week the temps went to single digits and it all froze, after a week a insurance agent shows and tells me yup it's a act of God and they aren't responsible, luckily my insurance covered me but I still had a dent in my pick up that they wouldn't cover, I had American family and I thought they treated me well except for the week getting there
Sucks to lose ur rig like that man but I'm sure you will build something better and your family is safe thumb.gif

ranger11 · Feb 5, 2018

Re: Re: Post random pic Thread

hwmiller said:
What state was this in?

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These best state in the union. Georgia. Jk on the best state part. That's prob Tennessee or Alabama

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TacomaJD · Feb 5, 2018

BUG-E J said:
Ha. Ol jd losing touch with his google skills

:flipoff1: Are you saying one's google skills should be equivalent to speaking with a lawyer? If I googled how to get myself out of that DUI I got in 2011 doing 74 in a 40 at 3am, google would probably tell me I'm fawked...but my lawyer said and proved otherwise. There's no replacement for a good, trustworthy lawyer when loss is suffered. May not can be **** done about it, but I'd only accept that answer from a lawyer, not google or an insurance company responsible for forking up money in the ordeal. Not trying to say there's probably something that can be done, just saying it'd make zero sense to say there's no hope without exhausting a free consultation with a lawyer.

Not the best way to retain a good neighborly relationship, but the neighbor 'could' be sued. But that could end up costing more time and money than it's worth depending. Fawking sucks either way, I hate it for you buddy. :'(

ranger11 · Feb 6, 2018

It's not the neighbors fault, can't be sued. Just because it was her tree doesn't mean it's her fault. It was a healthy tree that got blew over from a gust of wind.

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5BrothersFabrication · Feb 6, 2018

ranger11 said:
It's not the neighbors fault, can't be sued. Just because it was her tree doesn't mean it's her fault. It was a healthy tree that got blew over from a gust of wind.

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But the neighbor's homeowners insurance should pay for it. May get KBB for an old Ranger, but it's better than nothing.

AllGoNoShow · Feb 6, 2018

Yeah **** this sue happy ****. I would go after her insurance though.

TBItoy · Feb 6, 2018

5BrothersFabrication said:
But the neighbor's homeowners insurance should pay for it. May get KBB for an old Ranger, but it's better than nothing.

I reckon there is some gray area there...

Since he didn't' have it insured (with full coverage/comprehensive), his insurance company DGAF about it.

So it would be on him (and a lawyer) to go after the neighbors insurance.

And since he didn't have it insured (with full coverage/comprehensive), neighbors insurance will tell him to pound sand.

muddinmetal · Feb 6, 2018

TBItoy said:
I reckon there is some gray area there...

Since he didn't' have it insured (with full coverage/comprehensive), his insurance company DGAF about it.

So it would be on him (and a lawyer) to go after the neighbors insurance.

And since he didn't have it insured (with full coverage/comprehensive), neighbors insurance will tell him to pound sand.

Plus the lawyer would cost $2000 of the $1200 he would get :****:

Dan99tj1 · Feb 6, 2018

I had this happen to a customer of mine recently. A tree in his yard fell on the neighbors new JKU rubicon, his insurance would not cover it calling it an "act of God" if I'm not mistaken is how they termed it. Their vehicle insurance ended up covering it and my customer just ended up with a pissed off neighbor. I'm in Mississippi.

BUG-E J · Feb 6, 2018

muddinmetal said:
Plus the lawyer would cost $2000 of the $1200 he would get :****:

Not to mention if you sued my home owners over some **** like that and i was your neighbor your life would be hell.

ranger11 · Feb 6, 2018

Yeah I'm not suing her. I have no leg to stand on not to mention all the other stuff. Its a valuable lesson.

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grcthird · Feb 6, 2018

Sucks man, I hate it for you, I'd be telling my insurance people they can fix it or lose my business. Dad pulled that on his insurance company one time over some bs and they backed up when they realized just how much money they would lose in the long run.

Makes me want to buy my next house where no neighbors trees can touch my ****.

muddinmetal · Feb 6, 2018

grcthird said:
Makes me want to buy my next house where no neighbors trees can touch my ****.

And that's the winner! Buy all the land you can afford and park your crap right in the middle

ranger11 · Feb 6, 2018

I threatened the local agent, and the corporate person. They were ok with me finding another company. It's not just all State this is from what I'm told is normal. And yes I plan to buy more land but haven't been financially able to.

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