The way my insurance person explained it to me today... if we had
reported THAT tree as a diseased or damaged tree (a 'danger' tree)
and the owner did nothing and then when it fell the owners insurance
would come into play. If it's just one of the 30 or so trees that are
within range of the house or garage or whatever it's an "act of God".

FWIW if I'd had compressive on the '91 Jetta then my insurance would
have had to deal with it, and the minor damage on the garage would be
covered by my home owners insurance if I wanted to deal with the $500
deductible.

Rob
becida@comcast.net

At  6/5/2009 08:56 PM, Dennis Haynes wrote:
>The tree falling would probably be covered under comprehensive if you had.
>You can try going after the neighbors home owners insurance since it was
>their tree.
>
>Dennis
>
>-----Original Message-----
>From: Vanagon Mailing List [mailto:vanagon@gerry.vanagon.com] On Behalf Of
>Rob
>Sent: Friday, June 05, 2009 4:58 PM
>To: vanagon@GERRY.VANAGON.COM
>Subject: Fri insurance talk
>
>Had a lot of wind last night and a tree from the neighbors yard came
>down. Landed on the 91 Jetta and the corner of the garage. The Jetta
>is toast as you can't close the sunroof or the drivers window, can't
>open the drivers door. It still runs but it's done for as my 'other' car.
>
>If my '84 Westy had been parked in its spot (I drove it to work) it
>would have taken the tree too.
>
>I talked with my insurance people today, the tree falling was "an act
>of God" so it's my problem. The damage to the garage is a lot less
>than the $500 deductible and all I have on the Jetta is public
>liability. Maybe I can take some of this off my taxes next year?
>
>I hate learning about insurance.... and I have redo my VW signature
>line. Anybody need a Jetta parts car?
>
>
>
>Rob
>becida@comcast.net
>
>'91 VW Jetta & an '84 Westy in western WA