This is, as our friends south of the border would say, mierda de caballo.
Or the trampoline ownerās insurance. It was negligence on their property that caused damage to another person/property. What if someone was standing on the other side of the wall and the leg went through their head?!?
Apparently this comes up a lot. It is very hard to prove that they knew the trampoline would go flying that day.
Would a reasonable person have known that it was going to be that windy? Would a reasonable person know that it could catch the trampoline? I found quite a bit of stuff online about how hard it is to get trampoline owner to pay.
My insurance company has basically decided it would cost more to press a claim against the other person than it would to just pay it themselves. And since the estimate is $2,400 and my deductible is $1,500 Iām sure they are right.
TIL that itās very easy to claim (and be believed) that you have little to no knowledge of how wind works.
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Wow! Is that normal in America? That seems pretty outrageous to me - my excess is $250.
If you want reasonably priced home insurance, it is. If we want at $250 deductible, the policy is going to be a lot more expensive.
Seriously, a LOT!
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Yeah, my annual payment is about $1,200 for replacement cost for the home, which was $164k 10 years ago.
Anything less than $1,000 or so and you might as well just pay to replace it yourself anyway. 2 or 3 grand for an extra $1,000 in coverage just doesnāt pay. Hell, down at $250 you are filing insurance for a broken window.
$164k would get you a nice cardboard box here. 
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2800 sq feet, four bedroom, 2.5 bath, fireplace, two car garage, community pool, several playgrounds, and a couple lakes, ok big ponds.
Itās 20 minutes from the largest city in the US not on a main waterway. 3 hours from Chicago, and 45 minutes from three professional orchestras.
My new place was $88k, 1300 sq feet plus full basement and full attic, all hardwood floors, and on .85 acres downtown in one of the top ten small towns in Indiana, half a block from the historical neighborhood.
There may be more beautiful areas, and areas with more to offer than the midwest, but the people are nice, the pace is uptempo but not insane, and I can get to all those other places with the money I save living here.
The natural disasters are Tornadoes, which are as close to a totally random act of God as you can get, and the Madrid Fault, which will be a problem one day, but Yellowstone may go first. Though I do sometimes miss hills, I can drive to a hilly area within a half hour or so.
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But how much of that extra cost is the land?
My place is valued at around $500k, but the actual building costs would be around $250-$300k
My insurance costs about $1000 and my excess is $250 - and thatās after insurance costs have risen sharply because of several natural disasters over the last few years. My contents insurance is actually more expensive than my house insurance.
And yes, I have made claims for replacing windows - though those claims were with the golf course who used to be next door 
And the cheapest house in San Francisco (a bargain at $350,000) looks like this:
Well sh!t. I was planning on replacing my tires soon, but wasnāt intending to have to call around at 7:30 AM looking for a set of 4 just so I can get to work tomorrow.
Slashed?
That sucks.
At my place the plot was $5k. And my payments are for house and contents, though since this one is a rental property it is a little different.
And if I lived next to a golf course Iād be filing claims with them too. Iām sure they are used to is as a cost of doing business.
Nope, not slashed. Wore a spot right through to the belts and Iām not sure how.
Update: Slipped belt is the diagnosis from the shop. Alignment was within spec, but my front struts are leaking so I get to replace those sometime this year and get an alignment anyway.
Whoa you guys pay through the nose for domestic insurance!
My house is worth roughly Ā£120,000 (US$171,000) which is cheap for such a large (comparatively, to new builds) two-bed house. The Northeast of England has some benefits after all, rock-bottom land and property prices being one of them.
My annual domestic insurance is Ā£250 plus a Ā£250 excess. Thatās Ā£500pa ($712). With that I get comprehensive cover with Ā£15,000 ($21,500) content insurance and up to Ā£250,000 ($356,000) rebuild value if the house is damaged or destroyed. This is a Category C insurance area (A being āthe last crime here was in 1847 when Old Mr Thompson absent-mindedly threw litter past the binā and E being āthere are murders here every three minutesā) so thatās what most of the base Ā£250 actually is.
Seriously, how do you guys pay so much for it!?
OK, looked it up. $1,061 a year for $241k replacement cost, 300k business loss (Rental), and 24k contents with some other coverages. 1.5k deductible.
Iām paying $1092 for the house I live in for 162k replacement cost, 16k outbuilding replacement, 121k in personal property (Gotta get that changed, I donāt own that much shit), 300k liability, and a 1k deductible.
OTOH, straight line winds of 50-60 MPH are not unknown, a lot of people have lived in the same house for 40 years and never paid for any of the 4 roofs theyāve had on the place. Siding also has a tendency to replace itself over time. And the odd tornado will wipe entire neighborhoods off the map occasionally.
I would also wager that liability insurance is a large chunk of the additional costs, I donāt know if the UK is as sue happy as the US is. If someone is walking in front of your house and trips on a dirt clod on the sidewalk, then thatās a claim against your homeownerās insurance.
[quote=āWoodman, post:1734, topic:478, full:trueā]I would also wager that liability insurance is a large chunk of the additional costs, I donāt know if the UK is as sue happy as the US is. If someone is walking in front of your house and trips on a dirt clod on the sidewalk, then thatās a claim against your homeownerās insurance.
[/quote]
I think Iām covered for Ā£150,000 ($214,000) liability and Iām definitely covered up to Ā£50,000 ($71,000) legal fees.
Interestingly though the scenario you posed would pass liability to the district highways authority, unless said clod of earth could be proven absolutely to belong on my property. Weāre a lot less sue-happy than the USA but weāre catching up fast; Iāve had court summons (that were dropped) because one of my exes wanted to sue me for wilful destruction of property when I dropped their television. Now that in itself sounds pretty cut and dry until I tell you that I was taking the telly to the tip because it had already broken by falling off the wall. 
Not supposed to play NBA 2016 like that mang.
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My daughter, the almost 19 year old one, bitches about me listening to dubstep all the time. This morning I see that sheās created an EDM channel on my Pandora.
Glass houses, thatās all I can say.
That and dubstep auto corrects to Sinatra on my phone. Which is funnier than hell.
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