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Would renovation debris falling on a parked car go under comprehensive?
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If a tree branch or roofing material fell onto a stationary car during work at home, would that generally be considered a comprehensive claim, subject to the policy’s terms and deductible? I’m curious whether the cause matters, such as a storm-damaged branch versus material dropped by someone doing the work.
That seems different from materials shifting or falling off a vehicle while they’re being transported, but I’m not sure how insurers draw that line. Which policy wording or exclusions would be worth checking before assuming either scenario is covered?
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If someone doing the roofing work dropped material onto the parked car, the contractor’s liability coverage may also be relevant, especially if negligence was involved. That could give you a route through the contractor’s insurer as well as your own auto policy; which one responds, or whether both are involved, depends on the facts and policy terms. A storm-damaged branch is a different responsibility question, even if comprehensive coverage might still be worth checking.
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