If you ever got home insurance for a damaged tree

[Jodi1980]

our tree was hit by lightening and is covered up to $500. Did you also get money to replace the tree. I figured the $500 was to get it cut down.

 

[helenk]

I just finished reading about that for one of my courses. Generally the limit is $500 for the whole incident, you may want to check your policy to see if you have any other coverage, but I think that the $500.00 is it. If it were to fall on your house or other buildings etc, the damage to the other property would be covered.

 

[Jodi1980]

Do you know if it costs less than $500 to cut down, could I add purchasing a tree too up to $500?

 

[we3luvdisney]

My gas grill caught on fire and I pulled it away from our covered porch. While I was walking away it blew up, knocking me down and causing 2nd & 3rd degree burns. Called the insurance company and they paid for the grass that was damaged and the potted plants that were near the grill. I know that it's not the same as a tree, but I would try.

 

[Marla Hellwig]

when I filed a claim last year - insurance company told me that i would get 500 period - i found a handy man to cut the tree down and ground out the root for like 150 - but it cost me more - cos while he was there - i had him grind out 3 other trees that had been cut down

 

[DocRafiki]

i found a handy man to cut the tree down and ground out the root for like 150

and i went to school WHY?

 

[Cindy B]

My dad grinds out stumps as a side job... (one of many), he charges accordingly to size.

Its not steady work, some weekends he has many jobs, and sometimes he doesn't do it at all...

so in essence Jen, you were better off going to school.

 

[CamColt]

Originally posted by Jodi1980
Do you know if it costs less than $500 to cut down, could I add purchasing a tree too up to $500?

It depends on the tree. Last summer one of our huge willow trees got stuck by lighting. It looked like someone had sliced it all around the trunk. We were afraid of it falling on our house so we had it and 2 others removed. The quote(well, the best quote) we got was 1500.00 for the first, 1000.00 for the second and 500.00 for the third. These were all huge trees, with the first being the biggest. There was also a smaller, almost dead tree in the way of where the trucks had to go. The guy offered to take that down for only 100.00 since it would help him out too.

 

[Carl]

We had lightning strike a tree in our yard and the insurance company sent a check for $500 - PERIOD. They did not care that it costs us $800 to get it cut down. The stump is still there and of course we did not get to replace the tree. Insurance companies have it all figured out - they won't lose much.

 

[CamColt]

Ok, the more I read this, Im feeling really stupid. We had no idea insurance would cover(or at least help out) removal of a tree struck by lightning. I guess its too late now. Darn!