by tribeofjacob » Wed Jan 07, 2009 09:40 pm
Our trampoline blew into our neighbor's house today. It totally ruined the trampoline and did damage to their home. We rent our house and have renters insurance. What covers this and will they replace the trampoline as well. It was 7 days old! Thanks.
Posted: Wed Jan 07, 2009 10:03 pm Post Subject:
Your renters policy should cover the damage to the other partys (neighbor) no problem under your personal liability...as to the tramp, it will depend on the perils your policy protects your personal property from and why it took flight.
Posted: Wed Jan 07, 2009 11:04 pm Post Subject: Thanks
Our renters insurance is filing a claim, however the "perils" damage has a 500 dollar deductible. The tramp was 300 ish.. Thanks so much.
Posted: Thu Jan 08, 2009 05:45 am Post Subject:
The tramp was 300 ish..
I don't think you'd ever stand a chance to get reimbursed for the cost price of the trampoline even if the deductible is lower. Yes, the cause of the flight may stand as one important deciding factor over here. If the cause gets beyond your responsibilities then I'm sure the adjuster would look into it!
Posted: Thu Jan 08, 2009 06:10 am Post Subject:
Hi Tribe, I think I need not to say that since the trampoline was cost less that the deductible it wouldn't be wise to file a claim under your policy. You may pay out-of-pocket if you at all need another trampoline.
However, the damages caused to the neighbors property needed to be addressed, and the liability coverage of your renters plan would take care of it. Inform your insurer and file a claim against the liability coverage.
Posted: Thu Jan 08, 2009 06:45 am Post Subject:
Hey, I've heard that the homeowners and renters insurers are increasingly denying policies to homeowners with trampolines in their property. Tribe, are you sure that there is no trampoline exclusion clause included in your plan? I think you need to go through the policy document before reporting it to the insurer. Make sure that you will not get a claim denied because of the exclusion clauses.
Posted: Thu Jan 08, 2009 08:29 am Post Subject:
as to the tramp, it will depend on the perils your policy protects your personal property from and why it took flight.
Yeah, the reason needs to be determined even before accepting the liability for the damages caused by the tramp. whether there was strong wind? or, was the tramp not fixed to the yard properly and got removed by the wind?
Also, I was wondering that since the tramp was only 7 days old the insurer might not had the opportunity to know about it yet, right? If the insurer isn't aware about its existence, you might find yourself into a predicament.
Posted: Thu Jan 08, 2009 11:09 am Post Subject:
Jeremy, I see you mention here about a trampoline clause. We have one and I was wondering if you could maybe explain that clause. I have never heard of it and now with having one on my property I would like to know how the clause will effect me.
Posted: Thu Jan 08, 2009 12:44 pm Post Subject:
OP glad you have it filed with your carrier, you understand there is NO deductible for the damage to the property of others...(only yours) sorry the tramp was less than your deductible perhaps you can fix it in some way....definately want to secure that puppy so it can't get out of your yard again..glad no one was injured..
Posted: Fri Jan 09, 2009 04:28 am Post Subject:
sorry the tramp was less than your deductible perhaps you can fix it in some way..
..but Lori I guess the OP had mentioned that the trampoline was totally ruined and so I believe it won't be easy to fix it back.
Posted: Fri Jan 09, 2009 05:20 am Post Subject:
Jeremy, I see you mention here about a trampoline clause. We have one and I was wondering if you could maybe explain that clause. I have never heard of it and now with having one on my property I would like to know how the clause will effect me.
Fiery, you probably have misread my post. I've not mentioned anything about the "trampoline exclusion clause". It seems that bandit baby has said something about it.
Anyways, since you have asked me I'd give the answer to you.
The best place to check whether or not your policy includes the tramp exclusion is the policy document. Most of the insurer may still cover the tramp in the property, but increasingly they are putting clauses to restrict liability claims arising from tramp related injuries. Allstate for an instance may cover the trampoline only if sufficient safety measurements are placed around it.
Hope this helps.
~Jeremy
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