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Is this what insurance calls an "act of God"...
Posted by: wurm
Date: January 12, 2011 10:04AM
...that won't be covered? I guess even if it would, it wouldn't cover my deductible. Oh well.

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Re: Is this what insurance calls an "act of God"...
Posted by: mikebw
Date: January 12, 2011 10:07AM
Not sure... What if a Insurance Company has a customer who doesn't believe in God? Is that a violation of their contract?
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Re: Is this what insurance calls an "act of God"...
Posted by: datbeme
Date: January 12, 2011 10:11AM
Can't make out the picture, but are you saying the damage is some trees falling on your fence? I'm no expert, but I would think that would be covered. Make sure you get a quote on repairing the fence before dismissing it.
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Re: Is this what insurance calls an "act of God"...
Posted by: Jack D.
Date: January 12, 2011 10:12AM
If you want to get technical, I guess you could classify ALL occurrences as acts of God and the insurance company would never pay a nickle.



- Jack D.




New tasteless sig coming soon!
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Re: Is this what insurance calls an "act of God"...
Posted by: datbeme
Date: January 12, 2011 10:12AM
...but you may want to see what happens to the "unpromising" part first.
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Re: Is this what insurance calls an "act of God"...
Posted by: Speedy
Date: January 12, 2011 10:16AM
You'll have coverage. But do you really want to turn it in? Note that your neighbor's tree falling on your fence is your problem.



Saint Cloud, Minnesota, where the weather is wonderful even when it isn't.
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Re: Is this what insurance calls an "act of God"...
Posted by: haikuman
Date: January 12, 2011 10:19AM
For $20 todaaaya Brother I will give you credit for $10 with him that rests up above ~!~



“Stay Hungry Stay Foolish"
Steve Jobs

"There are only two mantras yum and yuk mine is yum "
Bernard Mickey Wrangle<>Tom Robbins<> "Still Life With Woodpecker"

"There is a fine line between a rut and a groove"
G.D. Kittredge III

"






Edited 2 time(s). Last edit at 01/12/2011 10:30AM by haikuman.
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Re: Is this what insurance calls an "act of God"...
Posted by: Racer X
Date: January 12, 2011 10:20AM
I've always considered the "Act of God" clause a complete load of BS. If you have enough money, they will always sell you either a suplemental policy, or a rider.
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Re: Is this what insurance calls an "act of God"...
Posted by: mattkime
Date: January 12, 2011 10:22AM
Quote
Racer X
I've always considered the "Act of God" clause a complete load of BS. If you have enough money, they will always sell you either a suplemental policy, or a rider.

Yup, I always get the "Act of God" rider.



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Re: Is this what insurance calls an "act of God"...
Posted by: wurm
Date: January 12, 2011 10:22AM
Not my neighbor's tree. It's all on our property. The fence was put up several years ago so the dog(s) could run free...but not too free. I guess I should be grateful it didn't fall toward the house. Of course, the storm's not over yet...
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Re: Is this what insurance calls an "act of God"...
Posted by: haikuman
Date: January 12, 2011 10:24AM
Quote
wurm
Not my neighbor's tree. It's all on our property. The fence was put up several years ago so the dog(s) could run free...but not too free. I guess I should be grateful it didn't fall toward the house. Of course, the storm's not over yet...

Or, on the dawgs , count you blessings *(:>*



“Stay Hungry Stay Foolish"
Steve Jobs

"There are only two mantras yum and yuk mine is yum "
Bernard Mickey Wrangle<>Tom Robbins<> "Still Life With Woodpecker"

"There is a fine line between a rut and a groove"
G.D. Kittredge III

"






Edited 2 time(s). Last edit at 01/12/2011 10:32AM by haikuman.
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Re: Is this what insurance calls an "act of God"...
Posted by: michaelb
Date: January 12, 2011 10:26AM
Man up and get out the chainsaw.
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Re: Is this what insurance calls an "act of God"...
Posted by: davester
Date: January 12, 2011 10:55AM
What are we talking here...$50 in materials and a couple of hours of futzing in the yard? Why would the thought of an insurance claim even enter into this?

Also note that insurance companies are notorious for raising rates (or cancelling policies) on people who start making claims. Up your deductible to a couple of thou and don't even think of using them for noncatastrophic claims. That's what insurance is for, not for this kind of stuff.



"In science it often happens that scientists say, 'You know that's a really good argument; my position is mistaken,' and then they would actually change their minds and you never hear that old view from them again. They really do it. It doesn't happen as often as it should, because scientists are human and change is sometimes painful. But it happens every day. I cannot recall the last time something like that happened in politics or religion." (1987) -- Carl Sagan



Edited 1 time(s). Last edit at 01/12/2011 10:57AM by davester.
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Re: Is this what insurance calls an "act of God"...
Posted by: wurm
Date: January 12, 2011 11:19AM
Yes, as I said in the beginning the damage wouldn't cover the deductible anyway. In the Spring, I'll take a better look and decide if I want to fix it at all, and if so, whether I think I can do it myself.

The insurance comment was made more as an alternative to a "look at what the snow did!" subject line.
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Re: Is this what insurance calls an "act of God"...
Posted by: Dennis R
Date: January 12, 2011 11:24AM
Tell them your God would not do that. It must be an act of the devil!
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Re: Is this what insurance calls an "act of God"...
Posted by: davester
Date: January 12, 2011 03:18PM
It might be a good idea to get a piece of lumber to prop the trees up so that they don't cause any more damage.



"In science it often happens that scientists say, 'You know that's a really good argument; my position is mistaken,' and then they would actually change their minds and you never hear that old view from them again. They really do it. It doesn't happen as often as it should, because scientists are human and change is sometimes painful. But it happens every day. I cannot recall the last time something like that happened in politics or religion." (1987) -- Carl Sagan
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