Hi,

Last night a third of a large tree fell and broke about 30 feet of post and
rail fence.

Would this be covered by buildings insurance (repairing fence and removing
tree)?

If it is, have I any chance of getting the insurance company to pay for me
to dispose of the branch and repair the fence? I want to chop the wood for
firewood anyway. The branch is probably 2.5 to 3 feet in diameter and very
long and so I would have to purchase a larger chainsaw than I have now. I
was wandering whether the insurance company would be open to the suggestion
of contributing towards a chainsaw if I was to fix the mess.

Any similar experiences with insurance companies? (BTW the insurance company
is Direct Line).

TIA, Colin

Surely the best advice is ask Direct Line. It'll all depend on your policy
and the way they interpret it. If they start playing tough (my car insurance
co say they have the most difficulty getting money out of DL) then come back
for advice on getting them to change their mind.


"Colin" wrote in message
...
Hi,

Last night a third of a large tree fell and broke about 30 feet of post
and
rail fence.

Would this be covered by buildings insurance (repairing fence and removing
tree)?

If it is, have I any chance of getting the insurance company to pay for me
to dispose of the branch and repair the fence? I want to chop the wood for
firewood anyway. The branch is probably 2.5 to 3 feet in diameter and very
long and so I would have to purchase a larger chainsaw than I have now. I
was wandering whether the insurance company would be open to the
suggestion
of contributing towards a chainsaw if I was to fix the mess.

Any similar experiences with insurance companies? (BTW the insurance
company
is Direct Line).

TIA, Colin

This, of course, is just my experience. Maybe your insurance company
is wonderful... in which case please let me know as my renewal's
coming up soon.

That reminds me of a subsidence claim I had for a previous garage with a
previous insurance company.
It turned out that the preferred contractor lived next door to the loss
adjuster and was the only one that quoted for the job...

Colin

On 27 Jul 2003 10:25:09 -0700, (mike) wrote:

Giving you a contribution towards the chainsaw would be the rational,
reasonable (and lowest-cost) thing to do but for this to happen, it
would require that you were dealing with rational, reasonable people
and not arrogant, paranoid, ill-educated morons.

The only possible "issue" with this arrangement might be if the
insurance company coughed up for a chainsaw, and the recipient then
managed to chop off a vital part of their own anatomy, or worse.

That could potentially put the insurance company in harms way in terms
of being held responsible.

There is also the issue of guarantee - if a 3rd party does the work
and it is defective then they can be called back in to make amends.
Whereas if our DIYer made a mess of the job then he'd be liable to
himself.

I gave up trying to educate "the system" a long time ago. They have
their procedures and will follow those regardless of what the outcome
will be.

Andrew

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