Insurance Corner with Cody: My Neighbor’s Tree Fell into My Yard.  Who is Responsible?

4336081259_88392f8765_n‘Tis the season of heavy snow, fallen trees and damaged property.  In populated areas, the possibility of a neighbor’s tree falling onto your property is greater during this time of the year.  Who is responsible for the fallen tree is a common question we receive.

The laws in Connecticut regarding trees have often been discussed over the last several years and can be summed up as follows:

If the tree is a healthy tree and was damaged by an “act of God” then the party whose property was damaged is responsible for putting in a claim under their home insurance or out of pocket.

However, if the tree was dead, damaged or neglected then the tree owner is responsible for repairs.

To read more on this topic please see the Connecticut Insurance Department’s website:

The best way to determine who is responsible for a fallen tree damage is to speak with an experienced and knowledgeable agent.  Cody Holmes of Holmes Insurance in South Windsor welcomes your calls and will help review your situation to give you peace of mind.

Cody Holmes
Holmes Insurance, LLC
5 Oakland Road
South Windsor, CT 06074
(860) 644-4200 Office

Fallen tree photo credit: Snowmageddon via photopin (license)

Insurance Corner with Cody: Is Wind a Covered Peril?

vladoA question frequently asked by lenders and homeowners regarding home insurance is whether or not wind is a covered form of loss.  The answer in most cases is “Yes”.  Wind can be categorized as an Act of God and would fall under a covered loss on most policies.

However, there are policies where wind and other forms of loss are specifically excluded.  You will want to check with your agent to be sure you have adequate coverage for your specific needs.

In other cases, mostly coastal wind is a covered form of loss but is subject to an additional deductible separate from the other forms of loss.  The wind deductible is generally a percentage of the dwelling coverage.   This can range anywhere from 2% to 10%.  The higher the deductible is,  the lower the premium will be.

The best way to determine if your homeowner’s insurance covers this type of peril is to have an experienced and knowledgeable agent review your policy with you.  Cody Holmes of Holmes Insurance in South Windsor welcomes your calls and emails and will help you review your policy to give you peace of mind.

Cody E. Holmes
Holmes Insurance, LLC
5 Oakland Rd
South Windsor,CT 06074
Office # 860-644-4200
Cell    # 860-336-7788
Fax    # 860-644-2600
*2012 South Windsor Small Business of The Year*
“I always have time to help your friends and family”

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State of Connecticut Department of Insurance page

Image courtesy of Vlado at

10 Ways a Bad Credit Score Can Hurt You

Did you know having bad credit can hurt your ability to get a job? It is legal for would-be employers with your permission to look at your credit report and use that as part of the hiring decision. Employers are regulated on the extent that credit reports can be used in the hiring process. If you are denied a job because of a negative report, you must be told about that.

Interested in knowing how else a bad credit score can hurt you?
For the whole story click here!