When things are going wrong in your home, you know that the burden is on you (or your home insurance) to get things fixed.
Things can get a bit confusing when something is just yours and the kind of responsibility for your city. Who pays then?
Although there is usually no clear answer, the following information may give you some clarity on the issue.
Trees
trees cause more than $ 1 billion in property damage in the US every year. Who pays for that damage can be difficult. This is true if the tree falls on your neighbor in your yard or a horse tree on the line between your property and the property of your city.
If a tree is between your street and your sidewalk, it is usually the property of the city. So it would probably be the responsibility of your city to remove it if it is dropped or become damaged. Many cities have an arborist on staff who can let you know for sure.
The falling trees elsewhere on your property may be your responsibility. Your home insurance often covers the cost of tree removal, so be sure to check with your insurance agent to see what your policy covers.
Sidewalks
In years past, cities would usually pick up the tab for repair of sidewalks. Today, almost all major places of the American city of at least some or all, of the responsibility on the owner. Your city may have a limited amount of funds to repair sidewalks or cost sharing program in place. No matter what your city offers, it is a good idea to get a damaged sidewalk repaired ASAP-falls are a major source of claims of responsibility of owners.
car damage after hitting a pothole
Many, but not all cities allow you to file a claim with potholes if your car takes damage from a pothole on a city road. The process varies depending on the city, so check with the service roads of your city to see if they accept the claims. Keep in mind there are no guarantees that your claim will be accepted and payments for the damages might have a plug. Get advice on how to apply for potholes with your city.
Snowplow damage
Snowplows (and other city vehicles) provide essential services to communities.
Unfortunately, city workers who operate these vehicles can cause damage as they perform their duties. Some of the most common problems include running into a fence or mailbox while plowing snow. If this happens, the insurance company of the city will most likely cover the damage. Be sure to promptly report the incident some cities only allow you to report a request for a specified number of days after an incident has occurred.
These kinds of situations highlight the importance of homeowners insurance and right auto insurance. Talk to a professional insurance as an Erie Insurance agent to learn more about the right coverage and a free quote.
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