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The Buzz on Summer Safety

6/10/2019

The warm weather's here and summer is just around the corner! So, it's a good time to take a tour around your property for a safety inspection.

Here are a few things you can do to keep your family and guests safe this summer.

Check your outdoor equipment such as swing sets for sharp edges, rusty bolts and loose parts, and repair or replace if needed.
Digging up the yard by planting a tree, starting a garden, putting in a fence or sprinkler system, or having other excavation work done? Think safety first! Always contact CBYD online or by phone at 811 before you start digging so your underground utilities are located and marked. It's free!
Avoid grill grease fires and flashbacks by keeping your grill clean (especially the grease trap) and burner tubes where small insects may have made their home, which can block the flow of fuel. Learn more about gas grill fire safety from Travelers.
Going on vacation? Don't broadcast your plans on social media! You're not only telling your friends, but you're informing thieves who are waiting for an easy target like an unoccupied home. Wait until you return to post images and videos of your fun.
Don't invite crime by leaving bicycles and scooters out on your lawn for thieves to steal. Put your toys away when not in use.
Mosquitoes carry a number of diseases, including the Zika virus. One way to keep those nasty pests away is to eliminate standing water around your home, especially after a rainstorm.

SIDE NOTE: If you have a contractor perform work in or around your home, be aware of the risks: the contractor or their workers could get injured on the job or damage your property. If they are not insured, you may be liable. Ask for a certificate of insurance, to confirm the contractor has insurance. If they have employees (as opposed to sub-contractors), check to see if they have Workers' Comp as well.

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Starting a home renovation project? Do this first.

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Who's insurance pays for the damage of fallen trees?

4/15/2017

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Where it lands is the key to liability...
Q: Let's say a neighbor's tree falls during a storm and crashes into your home. Who pays for the damage? This isn't meant to be a 'trick' question, but it may seem like one.

A: Even though it's your neighbor's tree, it's your responsibility. If the tree was in good health and it came down due to an act of God, nobody can be held responsible for that.

Tree damage — who pays for what?

The property owner whose house is hit by a tree is covered under their homeowner's policy.
The property owner whose vehicle is hit by a tree is covered under their auto policy — but only if they have "comprehensive" coverage on the vehicle.
If the tree that falls is rotted or diseased and should have been pruned or cut down, then a question of negligence can be raised. The property owner may seek to hold the tree owner liable for damages.
Tree removal is only covered if a structure or vehicle is hit by the falling tree. NOTE: Pools are not covered. So, if a tree falls only on your lawn or garden — with no damage to your home or vehicle —the cost of tree removal, damage to lawns, gardens or damage to pools are generally not covered. Check your policy for specifics.
If a tree on your property falls into your neighbor's yard without damage to their home or vehicle, tree removal is not covered by either party's insurance. You and your neighbor must discuss who pays for cleanup.

Contact your Connecticut Insurance Exchange agent at 860 666-5443 or email us at info@cieltd.us if you have questions about tree damage liability. We will be happy to review your policy and exposures to make sure you are properly covered!

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The Buzz on Summer Safety

Who's insurance pays for the damage of fallen trees?

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