Originally Posted by
Greg R Bradley
And that is exactly why the first line was "The answers get complicated by different laws in each state." and the other two sentences start with "Generally". Most states will be similar with a few different and you may find some that are downright bizarre. Always best to know the law but even better to know your neighbor and deal with it to the satisfaction of both parties.
Absolutely Greg! I wasn't disagreeing with you, just pointing out how right you were about things being different in each state.
It seems to me like the logic that the insurance company is insuring you and your property and they charged you accordingly. If they were to cover the losses of anything else, then they'd have to come account for all your neighbors stuff, and if they happened to have a much nicer house and car than you, then you'd be paying a lot more for insurance to cover that.
It was based on YOUR property. They cover YOUR property. In fact, they covered to have the 8 feet of the tree and the stump removed, and the yard fixed.
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