Consumption and Real Estate
Someone destroyed a tree outside my home. I can’t get their insurance company to respond or pay my claim.
Question : Someone destroyed a tree outside my home. I can’t get their insurance company to respond or pay my claim.
This insurance company, American Freedom Insurance, out of Illinois, is not responding to my claim. Although they are not my insurance company, their insured client damaged my property. How do I get my money?
illinois property insurance
Best answer:
Answer by mishi h
Take them on Judge Judy. Dont harass them at all. Just be polite, but you have to sue them.
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#3 written by mbrcatz17 1 year ago
You sue their client.
Depending on what happened, there’s likely no coverage, anyway, under the policy. You don’t say what happened, so it’s hard to know.
Their insurance company has NO obligation to ACCEPT a claim from you. So there’s no surprise there.
You’re going to have to sue the person who destroyed your tree.
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#5 written by wayfaroutthere 1 year ago
First, insurance companies have an insanely long time to review your claim. I asked the board of insurance in Virginia the same question about a car claim–they told me the company has sixty days just to acknowledge my claim (they don’t have to actually do anything in sixty days, they just have to say–yeah, we got that, we’re working on it.)
You want to keep battling with the insurance company. If they act like they don’t need to deal with you, threaten to sue their client (but don’t pull this card out too early–do it when they will be convinced that whatever they just told you is the ‘last straw’ that would make you go to all that trouble). You could also call the guy who destroyed the tree and get him to bug his insurance company for you. In this situation, the only thing you can hold over the insurance company’s head is that you could sue, and it could cost them more than just a tree if you sue.
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#6 written by Carol G 1 year ago
Take your neighbor to civil court…they will make him pay your court costs and make him pay your damages. You must prove your case so keep all records re:his ins co., his phone calls or letters etc. Be prepared to WIN! Good luck
sorry so have such a sorry neighbor…don’t accept it! The courts will take you more seriously if you go through the system….those TV Courts though bonding..makes it look like you’re trying just to get on T.V. - Comment Feed for this Post
First it depends on the context in which the tree was damaged…was it an accident, an angry neighbor who didn’t like the tree hanging in their yard, vandalism…etc.
Next, if it IS a claim for the insurance company (and you could call your insurance company for clarification of whether it is a possible claim), make sure you file a police report. Next contact the person who destroyed the tree and have them contact their company, sometimes they will respond faster if they are contacted by their insured (since they need to talk to the person anyways).
If it’s not an insurable claim, talk to the person and see if you can negotiate a settlement. If not, THEN go to small claims court.
Whatever you do, make SURE you keep a running log of who you talk to/left messages for and when you made contact. Also communicate in writing whenever possible so you have a very good paper trail.
Hope this helps!