Will Homeowners Insurance cover severe damage to driveway caused by crane?

We had a very large tree removed from beside our house. The crane parked in the driveway and caused four very large depressions and crushed concrete.

4 Responses to “Will Homeowners Insurance cover severe damage to driveway caused by crane?”

  1. Nguyen  on December 20th, 2011

    Your insurance won’t pay for this. They may help you sue the company you hired. Their insurance should pay for the repairs.


  2. MSAD  on December 20th, 2011

    It all depends on the terms of your policy. Since we don’t have the ability to read your policy – we don’t know.

    Your best bet is to ask your agent. Or you can file a claim and let the claims department inspect the damage and determine if it’s covered or not.


  3. mbrcatz  on December 20th, 2011

    No. The driveway is NOT a “covered structure”. The standard homeowners policy specifically excludes driveways from coverage.

    But the contractor who brought the crane in, should be responsible for it.


  4. Dion J  on December 20th, 2011

    Yes- it almost certainly will be covered. Most (if not all) homeowners policies provide coverage for driveways, walkways, etc. See your policy for specific language.
    I was an adjuster for 15 years, and I handled this sort of claim on a regular basis. It is very common for large vehicles to damage driveways, especially dump trucks.
    As long as there is sufficient evidence that the crane caused the damage (rather than normal wear and tear) it will almost certainly be covered. Your homeowners insurance will then subrogate against the tree removal company.


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