From the monthly archives: October 2012

We are pleased to present below all posts archived in 'October 2012'. If you still can't find what you are looking for, try using the search box.

10/9/2012 3:42 AM

Trees and Insurance

Fallen trees can cause huge damage to a home or car.  Most trees should be pruned during seasons when they are dormant or winter months. During a storm trees, shrubs and branches can become projectile causing massive damage to property.  Whether you own a tree or not, that lands on your home you should file a claim with your insurance company.  If a tree hits an insured structure such as your house, there is coverage for the cost of removing it, depending on the type of policy purchased. If the tree did not hit an insured structure, then there is no coverage for removal of debris.  Some insurance companies may pay for the cost of removing a tree if it’s blocking a driveway or handicap ramp. Cars that are damaged but a down tree are covered under the comprehensive portion of the auto insurance policy.Standard home insurance policies also cover damage to trees caused by fire, lighting, theft, and vehicles now owned by the resident, to name a few.   Trees and plants grown for ...

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10/3/2012 12:32 AM

Dog Ownership and Bite Laws

We all love our furry friends, but did you know that pet owners could be liable if your dog attacks?  A well-trained dog is the best way to protect owners and other animals. There are about 78 million dogs owned in the US and each year more than 350,000 people are seen in emergency rooms due to dog bites.  Despite the number of victims, only 16,000 of them per year receive money from homeowners and renters insurance.  Dog Bite Law When a dog bites someone, that person can usually recover full compensation from the dog owner’s homeowners or renter’s insurance policy.  The legal grounds vary from place to place.  The One Bite Rule Dog owners are liable if they know their dog has biting tendencies before an incident occurs.  However, it’s the most difficult for the victim to prove that the dog previously bit someone.  This rule also covers injuries other than bites such as tripping and “knock-downs”.  It’s also the basis for hold ...

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