What I can remember from my Risk Management class.
Your tree falls on your house, your HO pays. Your neighbor's tree falls on your house, their insurance won't pay, yours does. Your tree falls on neighbor's house, their insurance pays.
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Hurricane Irma
- Thread starter JohnD
- Start date
What I can remember from my Risk Management class.
Your tree falls on your house, your HO pays. Your neighbor's tree falls on your house, their insurance won't pay, yours does. Your tree falls on neighbor's house, their insurance pays.
Did you evacuate?
Andrew C
You know what's funny?
HO?
I think he meant HOA. HomeOwners Association. Or HomeOwner's policy.
MySmallWorldof4
Well-Known Member
@21stamps I found this webcam from Islamorada. It is a hotels cam. It keeps fading in and out.https://www.cheeca.com/gallery/webcam
freesvoice
Active Member
Just to add to this, if a tree falls onto the sidewalk or into the street they will cut the tree off where it ends on your property and leave the rest for city cleanup.
Edit: "they" meaning insurance will only pay to take away/clear what's on your property.
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Homeowners. Back when I took the course, there where 4 types. HO1 and HO3 were for homeowners. One type was actual value for damages (probably HO1) and the other was replacement cost - and higher premiums. HO4 was renter's insurance to cover just possessions (may also included provision for renting hotel room if damage to your apartment is significant enough you can't stay in it). I can't remember what HO2 covered.
21stamps
Well-Known Member
This is so cool!! Great to hear!
Gave you another like.
Ha ha. Thanks
.I don't know if you could tell how much I loved the Keys from my "mistakes" trip report.. but my heart is absolutely breaking for those islands. My friends there are about as close to siblings as you can get.. and quite honestly, for half of my life I spent more time with them than with my blood siblings.lol I've listened to one of those friends absolutely break down and cry on the phone with me today.. I cried with her.
I don't think you need to be a current Florida resident to feel fear for those islands right now.
I know that tragedy has struck many places and many people before..but this storm hitting such small areas of land is the first time that I fear we could see almost complete destruction of an entire city or town in the US. I hope I am wrong.
Every good thought and prayer that I have and can say is going towards those islands right now!!!.. even to the absolute idiots who decided to stay on them.
HO - homeowners insurance.
Tick Tock
Well-Known Member
Hoover RV Park in Alabama offering free spaces to hurricane evacuees:
http://hooversun.com/news/hoover-rv-park-offers-free-spaces-to-people-fleeing-hurrican905/
http://hooversun.com/news/hoover-rv-park-offers-free-spaces-to-people-fleeing-hurrican905/
Bayoubengal88
Member
the one im watching is the southern most beach resort beach resort cam. its just about too dark to see. lots of waves crashing on the pier.
Thanks, at the risk of going down the rabbit hole of homeowners insurance ala building codes, I have HO6 which is condominium contents insurance. In my case, my dues pay for the condo associations's homeowner's insurance for the property. I'm responsible for everything inside the drywall. So I have a HO6 policy.
freesvoice
Active Member
Large tornado touched down in Broward County
Yeah, several neighbors were glad to see their trees fell across the road. But our neighborhood chain saw brigade cut them up enough so we could get out. Took the City weeks to finish the job.
21stamps
Well-Known Member
Thank you!!! I can't find the cam.. only photos?
Bayoubengal88
Member
this is just terrible. so terrible. everyone please stay safe.
I'm sure there have been additions since I took the class in 1983.