With any luck, you may never need to file a claim with your homeowner’s insurance. But consider what would happen if your wind turbine fell on your neighbor’s property, damaging their house or worse yet, causing bodily injury.
“A tower crashing onto a neighbor’s fence wouldn’t be much different than a tree crashing onto a neighbor’s fence,” says Jason Cassee, a Fireman’s Fund Insurance representative. “You’d be held liable for the damage, and the insurance company would pay up to your policy’s liability limit. The rest of the cost would fall to you.”
When it comes to liability insurance, it’s generally best to prepare for the worst and hope for the best. Read through your policy carefully, and understand your liability limits and coverage. Then, look at the big picture—your system, its location, and the potential for liability issues.
Your piece of mind might be worth the added expense of upgrading your liability limit or buying an additional liability policy. Remember, preparing for the proverbial rainy day may help you enjoy the sunshine—and wind—all the more in the meantime.