Tree fell on my hot tub. I have full replacement value for property, is this also covered even though its outside. Its surrounded by a deck and on a cement foundation. Still waiting to here from my insurance company, we recently purchased the house and the tub came with the purchase as a content.

  1. 1185 POINTS
    Scott W Johnson
    Manager, Marindependent Insurance Services LLC, California
    Thanks for the claims related question.

    In all honesty, your insurance company and insurance agent are the only ones that can answer a specific question like this.
    Answered on May 12, 2017
  2. 155 POINTS
    Marcus Nichelson
    Independent Agent, Tipton Hill Insurance, Kansas City, MO
    First and foremost, if you think there has been a loss or even if its just an inquiry, contact your agent first. They can usually call the Claims department directly and get a "hypothetical" case for you so in the event a loss occurs then you would know how they handle it, in theory. Now every claim is different and there are a number of factors that could ultimately alter the decision. If you call the Claims department then most of the time(if not, always) they will record a claim even if it amounts to nothing or zero dollars are paid out.

    I am not a claims representative, but from my experience, and what I have heard from claims folks, in this particular case it could depend on how they define the hot tub. Typically, a deck or patio are considered "extensions" of the house, much like a driveway as long as there is a distinct connection. On the other hand, it could be considered as personal property.

    Another thing worth considering is the age of the tree. Trees that are "dead" or "dying" could result in a claim being denied if the homeowner could've taken reasonable steps to prevent the tree from falling. If the tree was in good health then it more than likely would be considered a wind claim.

    I am interested in hearing what the result on this was!
    Answered on February 28, 2018
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