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	<title>New answer on: Is My Hot Tub Covered By Home Insurance After A Tree Fell On It?</title>

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		<title>By: Marcus Nichelson</title>

		<link>https://insurancelibrary.com/home-insurance/hot-tub-covered-home-insurance-tree-fell</link>

		<dc:creator>Marcus Nichelson</dc:creator>

		<pubDate>Wed, 28 Feb 2018 22:16:02 +0000</pubDate>

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		<description><![CDATA[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 &quot;hypothetical&quot; 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 &quot;extensions&quot; 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 &quot;dead&quot; or &quot;dying&quot; could result in a claim being denied if the homeowner could&#039;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!]]></description>

		

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		<title>By: Scott W Johnson</title>

		<link>https://insurancelibrary.com/home-insurance/hot-tub-covered-home-insurance-tree-fell</link>

		<dc:creator>Scott W Johnson</dc:creator>

		<pubDate>Fri, 12 May 2017 16:37:51 +0000</pubDate>

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		<description><![CDATA[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.]]></description>

		

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