08-19-2014, 01:09 PM
Oneself, homeowner's insurance does not cover hurricane damage. It is a special hurricane insurance we buy. (zephyr is the largest carrier.)
I don't know what my Zephyr policy says ... Never had to use it. I do know that typical HO insurance covers very little on landscaping or plants. Most all the coverage is on the structure. We found this out when our neighbors' house burned down and our very beautiful yard was damaged and also filled with debris. The insurance did not pay for the debris clean up, and paid under $500 for landscaping damage. It paid fully for the side of our house that was scorched and for gates and deck that were attached to the house but not for fencing that was not bolted to the house.
Not all policies are alike of course.
Nolo's book on Neighbor Law is all about law on trees and fences and easements. It's probably the area that causes the most litigation and the most soured relations between adjacent landowners. The book is cheap and is well worth it. I think all the Nolo books are available as a download now, no waiting.
I don't know what my Zephyr policy says ... Never had to use it. I do know that typical HO insurance covers very little on landscaping or plants. Most all the coverage is on the structure. We found this out when our neighbors' house burned down and our very beautiful yard was damaged and also filled with debris. The insurance did not pay for the debris clean up, and paid under $500 for landscaping damage. It paid fully for the side of our house that was scorched and for gates and deck that were attached to the house but not for fencing that was not bolted to the house.
Not all policies are alike of course.
Nolo's book on Neighbor Law is all about law on trees and fences and easements. It's probably the area that causes the most litigation and the most soured relations between adjacent landowners. The book is cheap and is well worth it. I think all the Nolo books are available as a download now, no waiting.