Jump to content

Insurance question
dangerous trees


  • Please log in to reply
4 replies to this topic

#1 FeralCrazyMum

Posted 23 February 2013 - 09:44 AM

I live in a rental property that has several trees near it that are overgrown and badly need pruning, and in the recent storms (North NSW) I've been very worried that one of them will fall, probably on the house.

A few weeks ago, the REA sent round a tree person to quote on lopping them, apparently the owner has decided not to proceed with this.

My question is .... will insurance cover damage to the house from these trees if the owner knew they should have been attended to?? If they wouldn't, I'm hoping that this information will make the owner lop the trees.



#2 SUSIE25

Posted 23 February 2013 - 11:17 AM

We had an inssue with trees a few years back. Large forked shape tree, half fell on the corner of our house during a big storm. About $2K damage. Other half of fork tree still there. insurance said they will cover damage if it falls again but nothing prior.  Well we didnt want to be under it in case it happened anyway so we got the rest taken down. But how silly. Would have cost more after the fact. This was AAMI.


Edited by SUSIE25, 23 February 2013 - 11:18 AM.


#3 Coffeegirl

Posted 23 February 2013 - 11:41 AM

Whose insurance are you claiming on?  Your contents insurance or are you hopeful the landlord has building insurance?

Your own contents insurance should cover you for your contents, but they will chase the landlord to recover their costs.

If you are hoping the LL's. insurance will cover you, this might be a grey area.  As his insurance would only cover the builidng, not your contents.  And that's only if he actually has insurance.

#4 Aquarium

Posted 23 February 2013 - 11:55 AM

Did the firm who quoted for the lopping of the trees, give an opinion on whether the trees were a danger to the house?

The insurance policy may exclude damage to the house if the owner was aware of the danger posed by the poorly maintained trees and didn't address it.

Either way as poppygirl says he's unlikely to be insuring your contents. For you to claim on his liability insurance you need to sue him and that wouldn't be easy.

#5 FeralCrazyMum

Posted 23 February 2013 - 12:04 PM

Ah, no I realise my contents wouldn't be insured by the house insurance but since the tree would fall on the kitchen, not much of mine would be damaged.

The tree lopper did say the trees were likely to fall and damage the house.

I guess I'm hoping that if the owner knows their insurance wouldn't cover house damage if the trees were known to be dangerous, that might make them sort the trees out.

I'm worried about trees falling into my house!




1 user(s) are reading this topic

0 members, 1 guests, 0 anonymous users

 

A mum's tragic battle against inflammatory breast cancer

At just 37 years of age, with two young sons, Vicki was diagnosed with inflammatory breast cancer. Now her family wants all women to know the symptoms.

The business of babies around the world

Pregnancy and birth is an intriguing process no matter where you are in the world. One soon-to-be father gleans wisdom from a new guide.

Finding a positive path through IVF

It’s not surprising that IVF is often seen as a negative journey towards the ultimate positive, but having a glass-half-full approach can make a big difference to the experience.

Giving strangers the gift of parenthood

A mum explains why she and her husband are choosing to gift their leftover embryos to help strangers achieve their dream of parenthood.

Does morning sickness get better or worse with each child?

Just as every baby is unique, so is every pregnancy. And that means morning sickness can vary a lot, too.

What's so wrong with looking 'mumsy', anyway?

Why is it that the word ‘mumsy’ has connotations of such a negative nature – but seems to be the only other option apart from ‘yummy’?

Trying to speed up the inevitable

As the waiting game of late pregnancy continues, this mum considers a few things that might hurry things up a little.

One month later: where is William Tyrell?

It has been a little over a month since William Tyrell disappeared from his grandmother's home, 33 long sleepless nights for his family as they mourn the absence of their cheeky young boy.

Winter's child less likely to be moody: study

Babies born in the summer are much more likely to suffer from mood swings when they grow up, while those born in the winter are less likely to become irritable adults, scientists claim.

Single mum of two creates award-winning baby app

Suddenly single with a baby and an 11-year-old son, Tara O?Connell developed an app to improve the lives of mothers who were similarly overwhelmed.

Food for thought: looking after yourself as a new mum

As soon as your baby enters the world, everything else takes a back seat - even the necessities of daily life such as eating are severely compromised, right when you need energy the most.

'Grabbable guts' campaign aims to cut toxic fat

The Live Lighter campaign will take people inside the human body to show the internal dangers of being overweight.

The best and worst month of my life

A new mum's first month of motherhood didn't pan out as expected when she lost a family member weeks after her baby's birth.

Facebook and Apple offer to pay female staff to freeze their eggs

Facebook and Apple are hoping to provide women with the freedom to build their careers without the added pressure of having children at or by a certain age.

How a pregnancy contract could work for you and your partner

The idea of making a 'pregnancy contract' with your partner may sound a bit silly at first, but it can help make the transition to parenthood a lot smoother.

Finding a mum-friendly personal trainer

Burping babies vs burpees – yes, new mums and personal trainers live in different worlds. But they can work together - once you find the right match for you and your lifestyle.

Alleged baby snatch incident a ?misunderstanding?, say police

Police say that an incident in which a man pulled on a woman?s pram while walking a popular Sydney route late last month was a misunderstanding.

Ebola killed my aunt and is shutting down my country

Three weeks ago, my auntie, a midwife, developed a fever. Sitting here in Sydney basked in Australian sunshine, that shouldn't be big news.

The night my ovary burst

One mum shares her frightening experience and vows to never take her health for granted again.

Download now: Essential Kids Activity Finder app

Got bored kids? Quickly find the best activities for kids wherever you are in Australia with the Essential Kids app.

 
Advertisement
 
Advertisement
 
 
 

What's hot on EB

Win 1 of 5 Canon Powershot D30 cameras

Capture life more easily with the Canon Powershot D30. Shockproof, waterproof and dustproof, you can take it almost anywhere and shoot beautiful images, time after time. Enter now!

16 parenting truths you won't find in the baby books

I am five years into this parenting gig and I’ve learnt that sleepless nights and changing dirty nappies are child’s play.

Best and worst potty party cakes

It's nice to celebrate a child making the shift from nappies to 'big kid' undies, but do we really need a semi-realistic used toilet cake to do it? Here are some of the best and worst cakes parents have used at 'potty parties' around the world.

7 tips for a financially festive Christmas

Plan ahead - and do it now - to ensure festive season expenses don't break the bank.

'Go the F*** to Sleep' author's new book for frustrated parents

A sequel is coming soon to the 2011 hit book 'Go the F*** to Sleep' - and this time, it's about mealtimes.

Great birthday party buys from Etsy

Handmade crafts to decorate and personalise your child's next birthday - from banners to cake decorations, we've got gorgeous party finds from Etsy.

Creative storage ideas for the kids' rooms

Creative and practical storage ideas for the kids' toys and books can also add some stylish decor to your home. Visit babyology.com.au for more stylish modern finds for hip kids & parents.

The 'yucky' illness that took over my life

I have a chronic illness nobody likes to discuss, as it involves toilet talk. But it needs to be talked about.

To the mum in the doctor's waiting room

Maybe the mum I saw in that waiting room, seemingly disconnected from her baby, doesn’t have the support she needs.

10 space-saving nursery ideas

Starting a family doesn't always mean moving into a bigger house - not yet, anyway.

 

What's in a name?

Baby Names

Looking for a classic name, or an unusual name? Our Baby Name Finder is for you, search or browse to refine your shortlist.

 
Advertisement
 
 
Essential Baby and Essential Kids is the place to find parenting information and parenting support relating to conception, pregnancy, birth, babies, toddlers, kids, maternity, family budgeting, family travel, nutrition and wellbeing, family entertainment, kids entertainment, tips for the family home, child-friendly recipes and parenting. Try our pregnancy due date calculator to determine your due date, or our ovulation calculator to predict ovulation and your fertile period. Our pregnancy week by week guide shows your baby's stages of development. Access our very active mum's discussion groups in the Essential Baby forums or the Essential Kids forums to talk to mums about conception, pregnancy, birth, babies, toddlers, kids and parenting lifestyle. Essential Baby also offers a baby names database of more than 22,000 baby names, popular baby names, boys' names, girls' names and baby names advice in our baby names forum. Essential Kids features a range of free printable worksheets for kids from preschool years through to primary school years. For the latest baby clothes, maternity clothes, maternity accessories, toddler products, kids toys and kids clothing, breastfeeding and other parenting resources, check out Essential Baby and Essential Kids.