INDEPENDENCE, MO (KCTV) –
Your neighbor’s tree falls on your home and your insurance is responsible for the repairs.
A neighbor’s tree crashed onto Mona Angel’s home on Winner Road during last week’s storm. The tree split the roof.
“It was about 2, 2:30 in the morning and I thought it was an earthquake. I was so horrifying,” she recalled Wednesday. “I just froze.”
She thought her neighbor’s insurance certainly would take care of the repairs.
“If my vehicle hit their house, I’m liable,” she said. “That’s their tree.”
But that’s not the case. Her neighbor’s insurance will take care of the damage to his home, but not hers.
And Angel didn’t have insurance. She moved in four months ago and was refurbishing the residence. She thought she needed to wait until she finished re-wiring it to get insurance.
“I was in the dark about that,” Angel explained.
Her home is unstable and it’s going to cost her $3,000 to $9,000 to have the tree removed. She broke down crying while talking about the situation Wednesday with KCTV5’s Heather Staggers.
“This is my home,” she said. “I just need to get this tree off of here.”
Her neighbor confirmed that the tree is his but declined comment.
“In general and in most cases, each homeowner’s insurance plan takes care of the damages to their own home,” said Traci Plemons, a vice president for State Farm. “It’s considered an act of God. In other words, you have no control over it.”
If Angel discovers that the tree was rotten or diseased and her neighbor failed to take care of it, then Angel can file a counter claim. But she would have to prove negligence.
Copyright 2015 KCTV (Meredith Corp.) All rights reserved
It’s Beach Week at the Cut, and time to continue the ongoing debate: Should men wear flip-flops? The discussion reawakened last week when Marc Jacobs paired suits with sandals in his spring menswear collection, prompting an in-office divide. As it turns out, there are certain criteria: Is the wearer in need of a pedicure? Is he at the beach? Is he at all concerned with urban hygiene? Here, 17 famous men step in with their thoughts:
Seth Meyers: “I have been anti-flip-flops for a long time. When I see a person running to catch a plane in flip-flops, I’m cheering for them not to make it. I don’t want the people on that flight to have to be on a plane with a guy in flip-flops. I don’t like the sound they make. People running in flip-flops haven’t planned their life well enough. If you’re going to be wearing flip-flops you need to leave early so that you don’t have to be in a position where you have to run for anything. In a zombie apocalypse, I’m going to try to stay near a guy in flip-flops just because that’s the first guy that’s going down. I’m very anti-flip-flops.”
Mike Birbiglia: “I’m against it. I’m deeply against it. We need to stop it now, because male foot hygiene is just deplorable, abhorrent.”
Wyatt Cenac: “It’s good as, like, beach- or poolwear. I don’t know, flip-flops in the city just terrify me because you’ve basically opened yourself up to a foot massage from a rat. I think as long as your feet don’t look terrible, I feel like everybody, anybody who wants to put their foot in a flip-flop, go with it. Just make sure your feet don’t have any horrible dangling nails and don’t be that person on the subway clipping their toenails.”
Chris Hardwick: “They’re the most uncomfortable shoes to wear. They dig in between your toes. They’re only functional for sand. You’re supposed to sweat in them and wear them in the sand. I just don’t think a shoe that’s named after the onomatopoeia of the sound that it makes should really be … That’s just me. There are some dudes that can totally pull that off. I would look like a douche bag if I did. There are certain hipster types, I think they can pull it off. I don’t think I’m one of those types. I equate flip-flops with Jimmy Buffet. There was a period when mullets were considered rad and chic, or I think it’s sort of like how fancy restaurants will try to do a gourmet version of mac ‘n’ cheese. Like, okay, it’s good, but it’s still flip-flops.”
Ben Schwartz: “I’m fine with it. Is that bad?”
Vince Staples: “See, I’m not really rockin’ with the flip-flops. If you rock the flip-flop with the sock, it has to be in the house. Outside in the flip-flop is not a good move. Marc Jacobs is out of his mind. He’s trippin’ right now. It’s not my thing. I gotta see the collection because he has one of those minds — it might work. But I don’t know, it does get hot sometimes, you might need to rock the flip-flop in 80-degree weather.”