If you have homeowner’s insurance, one of the things you want to be covered for is vandalism and damage to your home or property. If your neighbor is removing his snow by plowing it over onto your property, that could cause some damage to your lawn, your driveway, and anything you have in those areas. Some states, like Colorado don’t allow people to plow their snow onto the property of other people. It’s illegal, and it should be reported if you see it happening. In the meantime, make sure you’re covered for any damage that a neighbor might cause by plowing snow over onto your property.
To make sure you have proper coverage in the meantime, talk to your independent agent in Lakewood about what you already have and what you need. That way, you’ll be sure to be covered for any damage that might occur from someone else’s improper snow removal. If you have any questions about what, exactly, will be covered, your independent agent should be the one you ask. Don’t just assume, because that can cause you problems in the future.
Insurance coverage is an important part of being a responsible homeowner, and even if your neighbors aren’t doing the right thing you want to make sure you stay protected and don’t do anything that could get you into trouble. If you see that someone is plowing snow onto your property from theirs you can call and report them. The next call you make should be to your insurance agent in Lakewood to make sure you’re covered for any damages. If you’re not covered, go ahead and get coverage at that time so you’ll be protected in the future. Then you can document any damage that’s already happened for a police report and document future damage for your insurance company.