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Old 12-15-2008, 05:45 PM
Senior MemberCaptains Club Member
Join Date: Feb 2005
Location: Stonington, CT
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Default Re: Limb fell on house-Need Advice.

CJS- most if not all carriers owe to have you put back to a pre loss condition with LKQ (like, kind and quality) materials. You are to be indemnified so that you should not be able to tell a tree hit the house. No more no less. As for specialty items like custom trimwork, we pay(at least my company) to have knives made so that it will match, or to rpl it all - again pre loss condition.
I am sure the adjuster will take care of you. The only thing you lose is the deductible.