Tree falls on Tractor will Homeowners insurance cover it?

[Kernopelli]

Oh my gosh....I'm glad no one was hurt, tractors can be fixed/replaced. I don't think $2500 will cover that though. I have called my agent twice to go over my tractor coverage after reading about stories here on TBN. Both agents in the office have told me that my tractor is covered by HO's as long as it's on my property. I have specifically asked what if a tree or large limb falls on it and they say yes, it's covered. I never thought about me dropping the tree on it though. Like others say, maybe that doesn't matter, if your house catches on fire it doesn't matter if it's because of lightning or because a candle you just lit catches the Christmas tree on fire.

I had the same thing happen years ago to my beloved Bronco. Fortunately, It was only about a 18" tree and I had taken the fiberglass top over the bed off. The tree landed squarely on the upright mounted spare tire and bounced off the side....it was a one-in-a-million shot and didn't do any "real" damage. What a sick feeling it was to watch that tree fall and what glorious relief ensued. I learned a lesson that day. It appeared impossible that my vehicle was in any way able to have been hit by that tree but the only impossibility to to be able to foresee every scenario.

 

[crazyal]

I bet you'll find there are plenty of us here who have done something like cut a tree and watched it fall the wrong way and knew there wasn't much we could do. I haven't felt helpless as a tree fell towards my tractor but just the other day I had a series of small little things just touch each other just enough to knock over a 2x4 and had it hit the front fender of my 2010 Subaru. Some days that's the way it goes.

Do you have Kubota insurance? If so I think they will cover it without question.

 

[CompactTractorFan]

I have had a bad day to say the least. I was cutting firewood this morning and the tree I was cutting fell on the tractor. I know I am a bonehead. It got hung up in another tree and changed directions on its way down. Halfway through the cut I even thought about that happening and then decided that it was unsafe to move the tractor. Will the insurance cover this even though i am at fault? Here are some pics for those of you who want to feel my pain. My great neightbor helped me load it onto my trailer and get it out of the woods. I am guessing $2500 damage anyone else have an estimate? No damage to the hood or right fender. Destroyed the entire dash. Fortunately the left tire absorbed a lot of the fall otherwise I think it could have broke the tractor in half! Ruptured the fuel tank (that I just filled) and bent the loader valve handle. The good news is that I will have an hour meter that reads 0000 again.

Actually, it was a good day because you did not get hurt. :thumbsup: I'm sure you feel a lot worse then when I took off the garage door, but you will recover. The tractor does look totaled...

 

[jejeosborne]

Ok i have taken revenge. It felt good too. The tree was only about about 18" at the bottom and about 12" at impact point. It was black locust which is very dense wood. I will keep everyone up on the process. I really need my tractor especially this time of the year for firewood moving. I am calling the dealer tomorrow to see how quick I can get it back. It is on the trailer and ready to make the trip to the hospital.

 

[CompactTractorFan]

Ok i have taken revenge. It felt good too. The tree was only about about 18" at the bottom and about 12" at impact point. It was black locust which is very dense wood. I will keep everyone up on the process. I really need my tractor especially this time of the year for firewood moving. I am calling the dealer tomorrow to see how quick I can get it back. It is on the trailer and ready to make the trip to the hospital.

Actually, from that picture it does not look too bad...

 

[CowwFace]

I have had a bad day to say the least. I was cutting firewood this morning and the tree I was cutting fell on the tractor. I know I am a bonehead. It got hung up in another tree and changed directions on its way down. Halfway through the cut I even thought about that happening and then decided that it was unsafe to move the tractor. Will the insurance cover this even though i am at fault? Here are some pics for those of you who want to feel my pain. My great neightbor helped me load it onto my trailer and get it out of the woods. I am guessing $2500 damage anyone else have an estimate? No damage to the hood or right fender. Destroyed the entire dash. Fortunately the left tire absorbed a lot of the fall otherwise I think it could have broke the tractor in half! Ruptured the fuel tank (that I just filled) and bent the loader valve handle. The good news is that I will have an hour meter that reads 0000 again.

Hey JeJe,

That stinks on ice my friend! But thank goodness noone was hurt.. when I cut trees my Wife or Kid's will sometimes sit on the tractor thinking it's gotta be safe there... not always the case.

When I got my tractor about a year ago I used 0% financing from Agricredit .. and they rolled in an insurance policy on the tractor in the loan .. it was pretty cheap so I did not squawk too much about it .. If you have a loan, possibly that would be an option for you?

I think I will call my homeowners insurance company and see if I would be covered by something like this ... I can see me doing the same thing brother.

Tractor on

 

[whodat526]

My guess for parts/labor is $10000.

that seems abit high u can just about buy just the tractor for that i will guess about 3500 at most unless it busted the transmission housing

 

[adjusterr]

Get your H/O policy and look under "Unscheduled Personal Property", it should read Coverage C: UNSCHEDULED PERSONAL PROPERTY. This policy covers unscheduled personal property usual or incidental to the occupancy of the premises as a dwelling and owned or used by an Insured,while on the described premises etc..etc. Under UNSCHEDULED PERSONAL PROPERTY EXCLUSIONS, it should state: This coverage excludes 2: motorized vehicles, except such vehicles pertaining to the service of the premises and not licensed for road use. Your tractor was used to "Service" the premises such as mowing, landscaping etc. Your tractor was damaged by a "Falling Object" which is covered by H/O policies. Contact your agent ASAP, get estimates, do not repair tractor until adjuster or appraiser has inspected the damage. Hope this helps.

 

[chips papaw]

i dont know about the home owners policy. but i bought a new kioti dk 45 4x4about 1 year ago they offered a ins.they told me if a tree fell on it or if it burned to the ground it was covered.

 

[jimmyj]

I don't know about your insurance question but thanks for sharing another reminder about tree cutting safety. Yikes! I bet your stomach turned upside down when that happened, my gosh.