On Tue, 28 Sep 2004 01:57:15 -0500, someone wrote:

As has been discussed before, even talking with your insurance agent will
require him to register your conversation in a database used to raise
your premium. If you see your insurance agent walking down a street,
divert your eyes, walk in a different direction, and don't let him see
you.

I think that's crap in a case like this. This is mainly a worry for
people who have a history of numerous petty claims, like they are
"trying to get their money's worth" out of their insurance. Naturally
there will be some folks who claim its not their fault, they are not
like that, its just circumstances, and maybe some are right, but they
fit the pattern.

But THIS TIME there was a frickin' HURRICANE. Everybody's premiums in
the whole area are likely to be effected by such conditions, while
OTOH nobody in the area would not stand out merely for making an
inquiry.

In the age of computers, that insurance companies track each covered
premises, is fearful news only to superstitious homeowners. We
operate four commerial properties and it is routine that RFPs for
renewal quotes include a 3 year "loss run" (history) for each
location. A zero loss report or inquiry is just that, no loss. Not a
big deal. "Required to register" makes thing sound much more sinister
than they are. There is a 'file' on each property - so what - no
surprise there.

But as OP clarified, as the trees did not hit his house, they are
'merely' landscaping and not covered.

-v.