Last weekends snow storm that hit the East Coast not only killed half of my apartments power for 4 days, but a large tree branch fell on my 2000 Toyota Corolla and fucked it up. I called my insurance company and told them what happened, and mentioned it happened at the complex I live in. I told them I want my co-ops insurance to pay for this. She tells me to get an estimate. So I bring it to the body shop for an estimate and the guy says it's totaled. Since the body/roof damage will exceed the value of the car 3k.
I call and forward photos to the management company, then he gives me the number to the insurance companies broker. The broker tells me he will give me the direct number to the insurance company but also tells me that you don't have a case since it was "An Act of God" so I am like WTF my wife is from Japan and they don't believe in God. So he gives me the direct number to some lady named Megan.
I called Megan and she basically told me "it was an Act of God" and sorry the complex is not responsible for something they did not cause. Tell your wife it's mother natures fault.
Should I consult my lawyer or is this some loophole that insurance companies get away with? My other option is to put a claim in with my auto insurance company since I still have full coverage on the car. I would think if I do this my insurance will go up?