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Falling trees from taking them down

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Falling trees from taking them down Terry 03-11-2008
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Posted by Not@home on March 12, 2008, 2:36 pm
Insurance varies from state to state, and usenet is never a reliable
source for information on this subject, so you should talk to an
insurance agent.

I suspect you cannot get homeowners insurance on this property for two
reasons:
1. It is not occupied and a common feature of homeowner policies is
that they require the property to be occupied, other than for short
times, such as when you take a vacation.
2. Homeowners insurance is sold to people who own and live in the
property. That ain't you. If you are renting the property, or letting
someone else use it, you need the type of insurance landlords get.

As to your question, if you let the man cut the wood, and he doesn't
have suited insurance, anyone who suffers injury or damage would sue
both of you, and if he doesn't have insurance, he probably doesn't have
much to pay a judgment, so you end up holding the whole stick, which
means they can go after all your assets, not just the property you mention.

I'm not pimping for the insurance industry, but I think you really
should talk to an agent about getting some coverage. There are plenty
of things that can go wrong even if the trees are not a problem. If you
can't afford insurance, you should probably sell the property.

Terry wrote:
> What kind of insurance is available for having trees cut down?
>
> I have a house that I inherited from my parents. I have been renting
> it for over 10 years with no insurance. No one is currently living in
> the house but we may let my niece move in.
>
> It is in a place that is going commercial, so the land is worth more
> without the house than with the small house.
>
> There are pine trees that are at least 50 year old and very high.
>
> I have a guy that says he will climb the trees and cut them for free
> just for the wood.
>
> I plan to ask if he has insurance, but have not yet. If it turns out
> that he has no insurance what happens if a tree falls on neighbors
> property?
>
>
>

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Posted by hallerb@aol.com on March 12, 2008, 3:59 pm
> Insurance varies from state to state, and usenet is never a reliable
> source for information on this subject, so you should talk to an
> insurance agent.
>
> I suspect you cannot get homeowners insurance on this property for two
> reasons:
> 1. =EF=BF=BDIt is not occupied and a common feature of homeowner policies =
is
> that they require the property to be occupied, other than for short
> times, such as when you take a vacation.
> 2. =EF=BF=BDHomeowners insurance is sold to people who own and live in the=

> property. =EF=BF=BDThat ain't you. =EF=BF=BDIf you are renting the propert=
y, or letting
> someone else use it, you need the type of insurance landlords get.
>
> As to your question, if you let the man cut the wood, and he doesn't
> have suited insurance, anyone who suffers injury or damage would sue
> both of you, and if he doesn't have insurance, he probably doesn't have
> much to pay a judgment, so you end up holding the whole stick, which
> means they can go after all your assets, not just the property you mention=
.
>
> I'm not pimping for the insurance industry, but I think you really
> should talk to an agent about getting some coverage. =EF=BF=BDThere are pl=
enty
> of things that can go wrong even if the trees are not a problem. =EF=BF=BD=
If you
> can't afford insurance, you should probably sell the property.
>
>
>
> Terry wrote:
> > What kind of insurance is available for having trees cut down?
>
> > I have a house that I inherited from my parents. =EF=BF=BDI have been re=
nting
> > it for over 10 years with no insurance. =EF=BF=BDNo one is currently liv=
ing in
> > the house but we may let my niece move in.
>
> > It is in a place that is going commercial, so the land is worth more
> > without the house than with the small house.
>
> > There are pine trees that are at least 50 year old and very high.
>
> > I have a guy that says he will climb the trees and cut them for free
> > just for the wood.
>
> > I plan to ask if he has insurance, but have not yet. =EF=BF=BDIf it turn=
s out
> > that he has no insurance what happens if a tree falls on neighbors
> > property?- Hide quoted text -
>
> - Show quoted text -

you can get landlord insurance, it covers the structure and liability
if someone gets hurt.

doesnt cover the contents. but with a family member moving in its a
gray area insurance wise.

homeowners is likely cheaper than landlord plus tenant insurance, best
to ask a agent

Posted by Bill on March 13, 2008, 1:34 pm
Cutting down trees is one of the most dangerous occupations there is!

Climbing the tree to "top it" or cut it down is even more dangerous,
although this can safely be done by tree professionals who have the proper
training, equipment, personal protective equipment (PPE), and assistance on
the ground from trained helpers.

A professional who can do this safely is called a "certified arborist". They
work for tree businesses which have all the right training and equipment
plus tons of insurance.

The safest way to do this is with a large "bucket truck". With this truck,
you can get *above* and *away* from a branch you are going to cut high up on
the tree. When it falls, it will fall away from you. Additionally when these
trees are near homes, long ropes are tied to each branch being cut and each
branch is safely lowered to the ground insuring no damage to nearby
property.

So far as the sheriff, I would not expect such a person to be properly
trained in such matters nor would I expect such a person to have much
knowledge of civil law, liability, worker injuries, etc. I would expect such
a person to have extensive knowledge of criminal law which is another
matter.

And how would you feel if a person working up in your tree was injured or
killed doing this work for you? Might want to protect such persons from
themselves unless they have been trained to do this work...

Man Killed While Trimming Tree...
http://www.washingtonpost.com/wp-dyn/content/article/2007/03/29/AR2007032902155.html

Tree Injuries and Fatalities...
http://www.arboristsite.com/forumdisplay.php?f=23

Chain Saw Injury Statistics...
http://www.elvex.com/facts08.htm

Chainsaw accidents...
http://www.google.com/search?num=20&hl=en&safe=off&q=chainsaw+accidents



"Terry" wrote in message
> What kind of insurance is available for having trees cut down?
>
> I have a house that I inherited from my parents. I have been renting
> it for over 10 years with no insurance. No one is currently living in
> the house but we may let my niece move in.
>
> It is in a place that is going commercial, so the land is worth more
> without the house than with the small house.
>
> There are pine trees that are at least 50 year old and very high.
>
> I have a guy that says he will climb the trees and cut them for free
> just for the wood.
>
> I plan to ask if he has insurance, but have not yet. If it turns out
> that he has no insurance what happens if a tree falls on neighbors
> property?
>
>
>



Posted by hallerb@aol.com on March 14, 2008, 6:25 pm
> Cutting down trees is one of the most dangerous occupations there is!
>
> Climbing the tree to "top it" or cut it down is even more dangerous,
> although this can safely be done by tree professionals who have the proper=

> training, equipment, personal protective equipment (PPE), and assistance o=
n
> the ground from trained helpers.
>
> A professional who can do this safely is called a "certified arborist". Th=
ey
> work for tree businesses which have all the right training and equipment
> plus tons of insurance.
>
> The safest way to do this is with a large "bucket truck". With this truck,=

> you can get *above* and *away* from a branch you are going to cut high up =
on
> the tree. When it falls, it will fall away from you. Additionally when the=
se
> trees are near homes, long ropes are tied to each branch being cut and eac=
h
> branch is safely lowered to the ground insuring no damage to nearby
> property.
>
> So far as the sheriff, I would not expect such a person to be properly
> trained in such matters nor would I expect such a person to have much
> knowledge of civil law, liability, worker injuries, etc. I would expect su=
ch
> a person to have extensive knowledge of criminal law which is another
> matter.
>
> And how would you feel if a person working up in your tree was injured or
> killed doing this work for you? Might want to protect such persons from
> themselves unless they have been trained to do this work...
>
> Man Killed While Trimming Tree...http://www.washingtonpost.com/wp-dyn/cont=
ent/article/2007/03/29/AR200...
>
> Tree Injuries and Fatalities...http://www.arboristsite.com/forumdisplay.ph=
p?f=3D23
>
> Chain Saw Injury Statistics...http://www.elvex.com/facts08.htm
>
> Chainsaw accidents...http://www.google.com/search?num=3D20&hl=3Den&safe=3D=
off&q=3Dchainsaw+accidents
>
>
>
> "Terry" =EF=BF=BDwrote in message
> > What kind of insurance is available for having trees cut down?
>
> > I have a house that I inherited from my parents. =EF=BF=BDI have been re=
nting
> > it for over 10 years with no insurance. =EF=BF=BDNo one is currently liv=
ing in
> > the house but we may let my niece move in.
>
> > It is in a place that is going commercial, so the land is worth more
> > without the house than with the small house.
>
> > There are pine trees that are at least 50 year old and very high.
>
> > I have a guy that says he will climb the trees and cut them for free
> > just for the wood.
>
> > I plan to ask if he has insurance, but have not yet. =EF=BF=BDIf it turn=
s out
> > that he has no insurance what happens if a tree falls on neighbors
> > property?- Hide quoted text -
>
> - Show quoted text -

dont panic, my neighbor has climbed tons of trees, and a expert at it.
drops trees exactly where they need to go.

if everyone who did anything was required to have insurance costs
would skyrocket.

heck a handyman doing some plumbing could do a lot of damage

or just hanging a picture anyone could hit a power line or water line
and cause a disaster.

i would be more concerned with a stranger getting hurt by accident on
your property and suing .......... its a bigger risk

Posted by on March 19, 2008, 9:35 am
>
>
>
>
>
> > Cutting down trees is one of the most dangerous occupations there is!
>
> > Climbing the tree to "top it" or cut it down is even more dangerous,
> > although this can safely be done by tree professionals who have the prop=
er
> > training, equipment, personal protective equipment (PPE), and assistance=
on
> > the ground from trained helpers.
>
> > A professional who can do this safely is called a "certified arborist". =
They
> > work for tree businesses which have all the right training and equipment=

> > plus tons of insurance.
>
> > The safest way to do this is with a large "bucket truck". With this truc=
k,
> > you can get *above* and *away* from a branch you are going to cut high u=
p on
> > the tree. When it falls, it will fall away from you. Additionally when t=
hese
> > trees are near homes, long ropes are tied to each branch being cut and e=
ach
> > branch is safely lowered to the ground insuring no damage to nearby
> > property.
>
> > So far as the sheriff, I would not expect such a person to be properly
> > trained in such matters nor would I expect such a person to have much
> > knowledge of civil law, liability, worker injuries, etc. I would expect =
such
> > a person to have extensive knowledge of criminal law which is another
> > matter.
>
> > And how would you feel if a person working up in your tree was injured o=
r
> > killed doing this work for you? Might want to protect such persons from
> > themselves unless they have been trained to do this work...
>
> > Man Killed While Trimming Tree...http://www.washingtonpost.com/wp-dyn/co=
ntent/article/2007/03/29/AR200...
>
> > Tree Injuries and Fatalities...http://www.arboristsite.com/forumdisplay.=
php?f=3D23
>
> > Chain Saw Injury Statistics...http://www.elvex.com/facts08.htm
>
> > Chainsaw accidents...http://www.google.com/search?num=3D20&hl=3Den&safe=
=3Doff&q=3Dchainsaw+accidents
>
> > "Terry" =EF=BF=BDwrote in message
> > > What kind of insurance is available for having trees cut down?
>
> > > I have a house that I inherited from my parents. =EF=BF=BDI have been =
renting
> > > it for over 10 years with no insurance. =EF=BF=BDNo one is currently l=
iving in
> > > the house but we may let my niece move in.
>
> > > It is in a place that is going commercial, so the land is worth more
> > > without the house than with the small house.
>
> > > There are pine trees that are at least 50 year old and very high.
>
> > > I have a guy that says he will climb the trees and cut them for free
> > > just for the wood.
>
> > > I plan to ask if he has insurance, but have not yet. =EF=BF=BDIf it tu=
rns out
> > > that he has no insurance what happens if a tree falls on neighbors
> > > property?- Hide quoted text -
>
> > - Show quoted text -
>
> dont panic, my neighbor has climbed tons of trees, and a expert at it.
> drops trees exactly where they need to go.
>
> if everyone who did anything was required to have insurance costs
> would skyrocket.
>
> heck a handyman doing some plumbing could do a lot of damage
>
> or just hanging a picture anyone could hit a power line or water line
> and cause a disaster.
>
> i would be more concerned with a stranger getting hurt by accident on
> your property and suing .......... its a bigger risk- Hide quoted text -
>
> - Show quoted text -


I agree with hallerb that the owner of the property needs a policy on
the property without regard to the tree cutting issue. Say some old
lady comes over to visit your relative who is the tenant. She trips
on a step that is broken, etc. and winds up with $50K in hospital
bills or worse. With insurance, as the landlord, you are covered.

Tree cutting down question is a tougher call. One definite show
stopper would be if there is any potential for any damage to be done
to anything significant on the neighbors property. For example, if a
tree limb could fall on the neighbors house, as opposed to just an
empty grass yard, that would be a show stopper for me.

If I were going to allow someone to do this, at the very least I'd do
3 things:

1 - Get permanent insurance in place.

2 - Consult with a lawyer for an opinion and at the very least have
the indicidual who is the tree cutter sign a waiver form that he has
no employees, is doing it himself with no pay in return for the wood,
he waives all rights to hold you responsible for any injuries or
damages, etc.

3 - Since it was stated that some of the trees are shared trees on a
property line, unless I knew that party very well, I'd get a written
OK from them that it's OK to take the trees out. You don't want the
scenario where you go next door, talk to someone who says they are the
owner and verbally OK it, only to find out that in reality their ex-
wife owns it, knew nothing about it, and comes after you, etc.

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