This is a question of contract law. Your insurance agent
has the contract in front of him. It MAY specify that
accessory structures are attached to the house. Then, again,
would a back yard shed be covered, if a tree fell on it?
Most likely. This bears professional reading.
In my case, with a Travellers HO3 policy, an oak tree fell across
the guys of my tower. The tower was considered an accessory
structure by the town, which required zoning approval and a
building permit.
Once I pointed that out, and provided documentation of the value,
the loss, and the permit, Travellers paid.
Then, they elected not to renew, at the end of the policy.
Be careful what you wish for.
n2ea
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