I am insured thru Caterpillar Tractor Co. Do I inevitability to sign up for Medicare Part D ?
Answers:
Do they offer prescription coverage to be exact comparable to Medicare D? If so, you should have received a memorandum stating this, and you do not have to sign up. If you do not enjoy prescription coverage, yes you should sign up today. It is an easy process.
Other Answers:
Where ever you live you should send for your local SHIC office (Senior Health Insurance Counseling) or even better your state insurance department. They can break it down for you and comfort you understand exactly what you entail. Since today is the deadline to since up for Part D I believe. I have worked for a state insurance department so purely look in the phone book and beckon them.
Source(s):
WWW.MEDICARE.ORG, OR NAIC.ORG (ON THIS SITE GO TO "LINK TO INSURANCE DEPARTMENT WEBSITES" IN THE LEFT HAND MARGINE)
If your employer provides 'credible coverage" for prescriptions, you may not need to sign up for Medicare D - prescription drugs. Check next to your benefits department.
how to open market vigour insurance policies?
how tocreate awareness about robustness insurance.Answers:
Instead of approaching individually,Go to the Construction companies, Mining industry,Road works,Private sector,Public sector,Garages,Hotel industry,Agriculture/Horticult... labourers,Marine workers,Harbours,Think of providing group Health safekeeping policies.Good luck
Other Answers:
Health Insurance ...........
Source(s):
http://www.freewebs.com/stoponce/Personal%20Insurance.htm
If you hava a local paper that caters to small business, or a Chamber of Commerce newsletter, volunteer an article in the region of a hot topic in strength insurance. For Example, "What is an HSA?" Watch the responses and inquiries roll in!
Who can be a well brought-up Insurance Agent.?
Answers:
People who tell the truth contained by the products they are selling.
People who believe that the product they sell is contained by the best interest of the client.
People who own such insurance themselves and then receive everyone else in duplicate program he/she has.
These are worthy insurance agents.
Other Answers:
farmers insuance. cheep too
It's not difficult but there's not a lot of money surrounded by it and you are at the mercy of a Large Insurance Company that has no Heart and no Soul.
i worked contained by insurance for about two years it is NOT a rugged job to swot, the test for your records is hard, but if you study you can ratify it
depends what the insurance is for i'm currently with medibank private for form insurance and theyve been pretty apposite i also use amp for life insurance but it really depends what type of insurance your looking for.
a greedy man is moral insurance agent
Is insurance (on the whole) 1 bloody great scam?
I ask because I don't have insurance on my contents, my loans or anything. When you finally do stipulation to make a claim, its in close proximity damn impossible to do so. Maybe its just me, but I despise insurance.Although I agree with saloon insurance, which I'd consider mandatory.
I dunno, maybe I'm a hypocrite.
Answers:
I used to work contained by the insurance industry, and the main concept I took away is that you insure for the big things. Don't breed little claims on a broken window, stolen Ipod, stuff approaching that; it's there for huge liability settlements against you within a traffic accident, or if your house burns down, or thieve come in while you're away and remove everything you own.
That's why it's OK to enjoy a high deductible. It reduce your premium, and the extra $1,000 or so you might have pay packet before settlement wouldn't give the impression of being so large if the settlement is $100,000!
And yes, the business of insurance companies is to brand profits, so they are intransigent when it comes to actually paying out. It's a drag, but you are entitled to the money, so hang up in within.
Other Answers:
YES!
It preys on your fears of what if...?
And makes you perceive that bit more confortable that if their was a problem, you are covered.
Yes. If you can afford to withstand the loss then don't insure. Insurance premiums cover everyone elses losses, false claims and paying fatcats' salary. Over a period of time you'd be better past its sell-by date just paying yourself for the losses.
Car insurance is a allowed requirement and liability claims are potentially unlimited.
insurance is a business they label money by getting you to pay for coverage and create more by not paying on a claim, i havent found 1 company that is reputable, and if it wasnt required by regulation I would not buy insurance Insurance is to protect against financial distress. If a loss were to go on and it wouldn't put you in financial ruins, later don't buy it. However, for most of us, a major loss to our home, vehicle, life, or income, would be devastating to our finances. That's why there's a inevitability to insure them.
Source(s):
Licensed Property, Casualty, Life, health insurance agent
If you are married and have children and hold a house payment, if something happen to you and die, can your wife/husband pay the mortgage? the funeral? the burial ground? Can she continue living the lifestyle that you are currently enjoy without your income? Can she/he convey the kids to college without your income? If you love your family unit, it is your obligation to protect them so they can jump on living and not be homeless without you. Life insurance are in a minute very cheap. Do it for your clan, not because it is mandatory like the coup¨¦ insurance.
There are several accurate answers here. Ask yourself "If ______ were gone or if _______ happen to me, would I have the money to do business with the loss or the sudden expense?" If you have the money to do business with it, don't buy insurance.If you verbs about the insurance company's reputation, bargain to your state dept of Insurance (in US) or there are insurance counselors (not agents selling policies) around that can abet pick a reputable company.
May I suggest to you Ameri Plan. They do not own any restrictions on pre-existing conditions and you can start saving urgently. There is a hospital advocacy program that assigns you a personal advocate to negotiate next to doctors on your medical bills.
The plan also includes savings on dental, phantasm, prescription and chiropractic care. I'd check them out. I'm so proud to be near them. I know I shouldn't advertise, but your entail sounds great. Let me know if you have any question. wlakin@ameriplan.net
http://www.mybenefitsplus.com/40378118
We are currently running a promotion for merely the dental, vision, prescription and chiropractic plan where on earth you can try it out for 3 months for $23 total. This is a great service. You should check it out!
Source(s):
http://www.mybenefitsplus.com/40378118 I would be willing to bet that most of the anti-insurance empire who have answered on this thread hold had catastrophic agents. Any insurance company that you get a policy through enter into a contractual agreement. If you read your policy, it tells you exactly what is covered, and exactly what is excluded. I would also move about far enough to influence that the people on here who appear to be against insurance own had a loss that wasn't covered and they didn't know it wasn't covered because they didn't read their policy. Talk to your insurance agent. Get explanations on the things you don't take to mean. That's what we're here for. We're the go-between for you and your insurance company. If you don't realize something, it's your responsibility to ask and if you don't, there's no point in getting barmy when they call and let somebody know you your loss isn't covered. Just like most of the inhabitants have said on here, if you enjoy enough money that you can financially withstand the loss of something, afterwards you shouldn't insure it. However, like the greater majority of the population, I can't purely afford to put a brand new house up at the drop of a helmet because the other one burned down; therefore, I buy insurance on the house. I also look over the policy to see what is covered and what isn't. I consequently do everything possible to eliminate the excluded risks.
Bottom string - You and your insurance company are in a contractual agreement. If any party violate the contract, penalties will ensue.
Source(s):
Licensed Insurance Agent.
what is element connected plan of hdfc standard go?
unit connected young starsection linked income plan
Answers:
HDFC Standard Life launched its section linked insurance and allowance plans. The company has launch 2 products on the unit-linked platform – HDFC Unit Linked Endowment Plan and HDFC Unit Linked Pension Plan. Through their flexible features the plans can be structured according to an individual’s specific needs and risk appetite. The HDFC Unit Linked Endowment Plan will serve an individual grow his savings contained by the long term while providing ongoing risk cover and the HDFC Unit Linked Pension Plan will support him in accumulate a corpus for post retirement life. These plans are targeted at individuals who want to get their own investment choice while choosing their insurance and pension plans. Moreover, the flexibility of increasing premium contributions surrounded by an existing account will be of focused help to the unorganised segment of the flea market in managing their bread flows.
Commenting on the new plans, Mr Deepak Satwalekar, Managing Director & CEO, said, “With this launch we enjoy a complete range of solutions to proposition to customers. The unit connected plans will offer a choice of investment option to customers looking for the same. In optional extra, this launch will help us slap the emerging opportunity of the new allowance scheme for the elected representatives employees”
HDFC Standard Life is confident of delivering polite long-term investment returns to its unit associated policyholders. The company has a devout track record within managing policyholder funds and as a result has declared 3 consecutive bonuses contained by the last three years on its “with profit” products. The competitive charging structure for the not long launched part linked plans is one of the lowest surrounded by the market and will oblige in deliver better long-term returns to policyholders. The recently launch gratuity plan funds have perform well within the short term, which too is a consideration of the company’s investment expertise.
HDFC Standard Life sees its pre-sale suggestion as a clear differentiator and in pursuance of this strategy, the company is launching its unit-linked plan through specially trained and certified Financial Consultants. HDFC Standard Life Insurance is the solely company to have a special training followed by a check before allowing Financials Consultants to direction customers on these products. While elaborating on this Mr. Satwalekar said, “With the flexibility and option offered under the component linked platform, a resourcefully trained Financial Consultant will help a customer structure his plan and derive the maximum good point from it. Since the customer will have to monitor his investments periodically, devout advise and lessons by our Financial Consultant will be a key input for the customer to utilise the flexible piece of the plans.”
The newly launch plans offer profoundly of flexibility to customers. The HDFC Unit Linked Endowment Plan comes with 5 fund option to match a customer’s risk profile. This plan allows the customer to choose the stratum of life insurance cover he requests and also a optional strength cover. In addition the customer can switch monies between funds, re-direct adjectives premiums and also top up premiums to invest additional income. The HDFC Unit Linked Pension Plan comes near 4 fund options and allows customers to switch between funds, re-direct adjectives premiums and top up when needed.
For further information on HDFC Standard Life Insurance Co. Ltd, do visit www.hdfcinsurance.com.
Other Answers:
I am working near HDFC Standard Life Insurance as Certified Financial Consultant and you may contact me for advice/ guidance on this: mnkannan@yahoo.com
what is sucees mantara of insurance business?
i am in insurance business frm second 9month .but i unable undertake my target .Answers:
FOCUS Focus on one product aimed at one market - preferably one that lots of culture need. Become an expert contained by that one product/market. Businesses currently have to matter with the elevated costs of health insurance and other benefits. See if you enjoy a better product for less money.
The single place success comes earlier work is in the dictionary.
Good Luck.
Other Answers:
May be call round to BIG Hospitals and meeting the VIPs undergo treatment and sell your concept for medical insurance.
Also for accident nouns.
Meet all people applying for House Loans and tell them in the order of the policy for covering the balance loan surrounded by eventualities.
Chcek up all big companies and taxpaying salariued individuals and sell the policies.
Micky:
Patience! Educate yourself almost the products AND the competition. Find out why your product is better. Listen to people and hear what they want. Be honest and ethical, they will refer to you.
Look for opportunity and learn from those that are successful; they enjoy made the mistakes and can lead you to what works.
I also outstandingly recommend that you attend a "Power to Influence" seminar by one of the Anthony Robbins Associates. I have well-read so much from Alan Brown in the Chicago group.
Best of luck to you!
I am an Insurance agent how can i display the free advt through web freely?
Answers:
Answer 1 is not only funny but also crazy adequate to work!
Or you could print the paper yourself!
But if you wanna spend Absolutely nought money, you can use the way of communication given to you from the hours of daylight you said your first word: YOUR VOICE!
Other Answers:
use a female ego in a chat room n enlighten everone...u will get sucess
you can do it thru online forums and you can create a website and submit it to join the search engine.
Do it approaching you would a personal profile or web page. Start near yahoo 360 and do your thing here cryptically let citizens know that's what your into. Next Go to www.geocities.com and do a web page roughly yourself and your business, when buying insurance I want to know a little something like the person I buy from. Plus websites are so cheap I've see some for a dollar a month for your little space of the Internet. With all kind of goodies to go near it.
You can display your ad surrounded by traffic exchanges, Blogs, safe list, premission e-mails, surf programs, and write aritcles about the insurance industry and submit them to article directories beside a link to your poster. Article directories and blogs are the hotest thing going right presently. And best of all, these can adjectives be done for free. The main thought is to create as many links to your trailer as possible.
Source(s):
http://www.newarticlemania.com
http://NHarper2.successuniversity.com/new
http://www.snharper.com
How much awareness does an insurance company hold to endow with a client to invalidate a policy contained by Florida?
Answers:
The 2005 Florida Statutes
Title XXXVII
INSURANCE Chapter 627
INSURANCE RATES AND CONTRACTS View Entire Chapter
627.4133 Notice of cancellation, nonrenewal, or renewal premium.--
(1) Except as provided contained by subsection (2):
(a) An insurer issuing a policy providing coverage for workers' compensation and employer's liability insurance, property, casualty, except mortgage guaranty, surety, or marine insurance, bar motor vehicle insurance subject to s. 627.728, shall give the name insured at least 45 days' credit written notice of nonrenewal or of the renewal premium. If the policy is not to be renewed, the written perceive shall state the reason or reason as to why the policy is not to be renewed. This requirement applies only if the insured have furnished all of the requisite information so as to enable the insurer to develop the renewal premium prior to the expiration date of the policy to be renewed.
(b) An insurer issuing a policy providing coverage for property, casualty, except mortgage guaranty, surety, or ocean insurance, other than motor vehicle insurance subject to s. 627.728 or s. 627.7281, shall make a contribution the named insured written mind of cancellation or termination save for nonrenewal at least 45 days prior to the important date of the cancellation or termination, including contained by the written notice the motivation or reasons for the invalidation or termination, except that:
1. When cancellation is for nonpayment of premium, at lowest possible 10 days' written notice of invalidation accompanied by the drive therefor shall be given; and
2. When such cancellation or termination occur during the first 90 days during which the insurance is in force and the insurance is canceled or terminated for reason other than nonpayment of premium, at lowest possible 20 days' written notice of reversal or termination accompanied by the plea therefor shall be given except where within has be a material misstatement or misrepresentation or damp squib to comply with the underwrite requirements established by the insurer.
After the policy has be in effect for 90 days, no such policy shall be canceled by the insurer except when nearby has be a material misstatement, a nonpayment of premium, a end to comply with underwrite requirements established by the insurer within 90 days of the date of effectuation of coverage, or a substantial adaptation in the risk covered by the policy or when the contradiction is for all insureds lower than such policies for a given class of insureds. The provisions of this subsection shall not apply to individually rated risks have a policy term of smaller amount than 90 days.
(c) If an insurer fails to provide the 45-day or 20-day written thought required under this division, the coverage provided to the named insured shall remain surrounded by effect until 45 days after the notice is given or until the powerful date of replacement coverage obtained by the name insured, whichever occurs first. The premium for the coverage shall remain indistinguishable during any such extension period except that, surrounded by the event of failure to provide see of nonrenewal, if the rate filing consequently in effect would own resulted in a premium money off, the premium during such extension of coverage shall be calculated based upon the subsequent rate filing.
(2) With respect to any personal lines or commercial residential property insurance policy, including, but not constrained to, any homeowner's, mobile home owner's, farmowner's, condominium association, condominium unit owner's, apartment building, or other policy covering a residential structure or its contents:
(a) The insurer shall impart the named insured at smallest 45 days' advance written interest of the renewal premium.
(b) The insurer shall give the name insured written notice of nonrenewal, reversal, or termination at least 90 days prior to the decisive date of the nonrenewal, cancellation, or termination. The thought must include the reason or reason for the nonrenewal, cancellation, or termination, except that:
1. When invalidation is for nonpayment of premium, at least 10 days' written spy of cancellation accompany by the reason therefor shall be given.
2. When such dissolution or termination occurs during the first 90 days during which the insurance is contained by force and the insurance is canceled or terminated for reasons except nonpayment of premium, at least 20 days' written discern of cancellation or termination accompany by the reason therefor shall be given except where on earth there have been a matter misstatement or misrepresentation or failure to comply beside the underwriting requirements established by the insurer.
After the policy have been contained by effect for 90 days, the policy shall not be canceled by the insurer except when there have been a objects misstatement, a nonpayment of premium, a failure to comply next to underwriting requirements established by the insurer in 90 days of the date of effectuation of coverage, or a substantial change surrounded by the risk covered by the policy or when the cancellation is for adjectives insureds under such policies for a given class of insureds. This paragraph does not apply to individually rate risks having a policy residence of less than 90 days.
(c) If the insurer fail to provide the notice required by this subsection, except the 10-day notice, the coverage provided to the name insured shall remain in effect until the decisive date of replacement coverage or until the expiration of a period of days after the awareness is given equal to the required notice term, whichever occurs first. The premium for the coverage shall remain equal during any such extension period except that, surrounded by the event of failure to provide mind of nonrenewal, if the rate filing afterwards in effect would own resulted in a premium decline, the premium during such extension shall be calculated based on the next rate filing.
(d)1. Upon a allegation of an emergency pursuant to s. 252.36 and the filing of an decree by the Commissioner of Insurance Regulation, an insurer may not cancel or nonrenew a personal residential or commercial residential property insurance policy covering a dwelling or residential property located within this state which has be damaged as a result of a hurricane or snake loss that is the subject of the speech of emergency for a period of 90 days after the dwelling or residential property have been repaired. A structure is deem to be repaired when substantially completed and restored to the extent that it is insurable by another authorized insurer that is writing policies within this state.
2. However, an insurer or agent may cancel or nonrenew such a policy prior to the repair of the dwelling or residential property:
a. Upon 10 days' consideration for nonpayment of premium; or
b. Upon 45 days' notice:
(I) For a stuff misstatement or fraud related to the claim;
(II) If the insurer determines that the insured has unreasonably cause a delay contained by the repair of the dwelling; or
(III) If the insurer has compensated policy limits.
3. If the insurer elect to nonrenew a policy covering a property that has be damaged, the insurer shall provide at tiniest 90 days' notice to the insured that the insurer intends to nonrenew the policy 90 days after the dwelling or residential property have been repaired. Nothing surrounded by this paragraph shall prevent the insurer from canceling or nonrenewing the policy 90 days after the repairs are complete for the same reason the insurer would otherwise have canceled or nonrenewed the policy but for the limitations of subparagraph 1. The Financial Services Commission may adopt rules, and the Commissioner of Insurance Regulation may issue information, necessary to implement this paragraph.
4. This paragraph shall also apply to personal residential and commercial residential policies covering property that be damaged as the result of Tropical Storm Bonnie, Hurricane Charley, Hurricane Frances, Hurricane Ivan, or Hurricane Jeanne.
(e) If any invalidation or nonrenewal of a policy subject to this subsection is to take effect during the duration of a hurricane as defined within s. 627.4025(2)(c), the effective date of such reversal or nonrenewal is extended until the end of the duration of such hurricane. The insurer may collect premium at the prior rates or the rates consequently in effect for the term of time for which coverage is extended. This paragraph does not apply to any property with respect to which replacement coverage have been obtain and which is in effect for a claim occurring during the duration of the hurricane.
(3) Claims on property insurance policies that are the result of an feat of God may not be used as a cause for contradiction or nonrenewal, unless the insurer can demonstrate, by claims frequency or otherwise, that the insured has one-time to take motion reasonably vital as requested by the insurer to prevent recurrence of lay waste to to the insured property.
(4) Notwithstanding the provisions of s. 440.42(3), if cancellation of a policy providing coverage for workers' compensation and employer's liability insurance is requested by the insured, such invalidation shall be effective on the date the haulier sends the notice of withdrawal to the insured.
(5) An insurer that cancels a property insurance policy on property secured by a mortgage due to the letdown of the lender to timely pay the premium when due shall reinstate the policy as required by s. 501.137.
(6) A single claim on a property insurance policy which is the result of river damage may not be used as the sole create for cancellation or nonrenewal unless the insurer can demonstrate that the insured have failed to purloin action as expected requested by the insurer to prevent a future similar pervasiveness of damage to the insured property.
History.--s. 16, ch. 86-160; s. 2, ch. 87-50; s. 8, ch. 87-124; s. 12, ch. 90-119; ss. 35, 114, ch. 92-318; s. 15, ch. 93-410; s. 99, ch. 93-415; s. 13, ch. 2004-370; s. 43, ch. 2004-374; ss. 109, 158, ch. 2004-390; s. 10, ch. 2005-111.
Is Social Security notify of amounts compensated to beneficiaries when a go insurance policy is compensated out?
When my wife's mother died some 30 years ago, my wife's SSI was cut stale because the payout increased her resources above the maximum permitted. AFAIK, my wife did not notify Social Security of the payout to her before Social Security notify her of the cutoff.Answers:
Social Security are not notified when release benefits from a life insurance policy are compensated out. Because death benefits are not taxable and accordingly the government does not story such data.
Social Security is suppose to discharge death benefits to the spouse and children surrounded by the event of your wife's mom death. Remember, social guarantee is on the path of going broke by 2042. So don't expect it to pay you much when you retire.
Other Answers:
yes
I believe the IRS is notify and indirectly Social Security. While the amount is tax free, it does create resources. The receiver is required to notify Social Security. Now, that does not permanently cut it past its sell-by date, it is just cut sour until they are exhausted. The funds can be used to purchase legitimate assets however, but may not be used for gifts. So, for example, you could buy a motor and begin reception benefits again since the cash be gone, but you could not give a Christmas bequest with it, unless it be trivial in amount.
Your wife probably did not hold to notify them, they probably due a routine inquiry with the executor of the estate.
In ruin hypothesis within statistics how does the "adjustment coefficient" find its baptize?
Answers:
You are going to have to directly ask an actuary or professor of actuarial science. You may deflect this question to the reckoning section. I hold a great statistics background and I don't know where on earth to find the answer to that. I can tell you the history of Sommer's D, which is an hidden but unbelievably useful statistic, but I cannot relate you the origin of the dub for that.
I necessitate a well brought-up time insurance policy for a 56 year outdated well woman..Non smoker..Never Sick.?
Answers:
look in the sickly pages for insurance agents- look for an agent next to CLU- after his name- that means Chartered Life Underwrier- this character has passed ten different areas of study and is unbelievably knowledgeable on insurance matters- they are a big cut above other agents surrounded by knowledge--also look for ChFC- Chartered Financial Consultant- another 3 or 4 areas of study passed- and or CFP- Certified Financial Planner- this is also good- yet CLU's know more roughly insurance than CFP's do--I am a retired insurance broker, and a retired CFP, CPA, & LUTCF-another insurance designation--good luck to you- also- choose a mutual life insurance company- they will settle you dividends or part of the company profits that other cos wont reimburse you !
Other Answers:
What state do you live in?
Just know this there's 2 types of life insurance, occupancy and cash merit, compare the two to see which one's best for you.
Source(s):
How money works Talk with one of more licensed agents surrounded by your state. Talk to a friend who also uses a licensed agent in your state.
how abundant do i inevitability?
how many points do you enjoy to get to walk to the next horizontal?Answers:
349
Other Answers:
Push on total points and it will show you a chart.
98 points for you.
Press Linday's points and scroll down for the chart.
it says on your profile
how do i write a business plan and submitt it to my company?
Answers:
You need to find your long and short possession goals, and after you stradagies to achieve them.
I hold no fire insurance on my home what will the hill do almost my mortgage. am i within non-attendance of my mortage?
Answers:
Yes you are. They will most likely place you below their blanket mortgage fire policy. It is more expensive than home owners insurance and it does not cover you. Additionally, because it covers very little, you could still lose your home, such as to a tornado and still enjoy to pay the loan rotten yourself. In addition, they do own the right to foreclose. They can also change your wage. If they do any of these, you cannot fix it without a valid policy.
Go go and get a policy.
Other Answers:
OPM is right. It's best you get your own insurance back the bank places it for you or as soon as possible.
can I sue my neighbor for damages if his tree falls on my hottub?
The tree destroyed the cover which cost $500. We were renting the house and did not enjoy insurance. The neighbor said he would take exactness of it. He did by putting on an extension and a new deck on his house. I know his insurance co. compensated him.Answers:
yes.
Other Answers:
um... if the tree was contained by his yard, close to all of the roots and everything than yes you can, but if even a portion of the roots be in your patio then technically it be a shared tree and you can't sue him.
Yes you can sue.
Source(s):
I asked my wife she studied business law.
You without a doubt can!!
yes. File a claim against his insurance. If you have pictures of the tree and the violate, even better.
The answer is "YES". You need to also report him to his insurance company for fraud.
Always gain the last screech, kick him where on earth it hurts.
THAT SON_OF_A_BIT*H!
a tree in my backyard fell and put a hole through the roof of my neighbors garage. insurance did not cover it as it be deemed an 'act of nature'. as long as in that was no negligence (e.g. the tree be easily and visibly decayed) after you probably won't win any lawsuit.
contact a lawyer, steal pics, or take him to small claims. the freedom of info deed will help you within finding out if he recieved any monies from the accident. yes you can sue.
This is America the most letigious country surrounded by the world.
Heck yeah you can sue.
If the trunk was on his side, afterwards you have an enlarge and shut case to sue him. You should know how to file a claim directly against his insurance company for damages. His homeowner's liability should cover your losses. Also you may try discussion to him directly. It sounds like he defraud his own insurance company. He may be willing to negotiate directly if he feel he can go to penal complex.
there is nil to sue. its a covered loss. if a storm came by and blew down the tree into the homeowners house. its covered. falling objects usually are unless excluded by sanction.
Yes, you can sue your neighbor. You may or may not win depending on the circumstances.
I would stay away from bringing up the issue of the deck and the addition to the house. If he get money from his insurance company that would be a different claim than the one that you are interested in. It is significantly unlikely that his insurance company gave him $500 for your pool cover. The insurance company would want to settlement with you directly. So, your neighbor didn't pocket money that be intended for you.
I would stay away from suggesting that his claim was not legal. You could be sued for slander. If you say you're going to turn him within for fraud then you could be accuse of blackmail. Stick to getting compensated for your pool cover.
There isn't enough information to adjudicate your chance of ahead. It the tree was sound and fell during a sever windstorm your chances aren't adjectives that great.
If the tree was visibly unwell and fell then your probability are better. Some insurance companies pay small claims to avoid litigation. Others deny small claims figure that most people will newly let it dance. If you make a claim, perchance you'll get lucky.
Why no insurance? Or, do you merely have coverage for the house and not contents? If you're renting a house you own exposure for the house, your liability is someone is hurt, loss of rent, and maybe some contents. Are you sure the hot tub isn't covered as an spare structure? If you have coverage on the house afterwards its worth asking about.
If the cover is considered personal property and you enjoy a homeowners policy on the place you currently live or rent then it may be covered lower than that policy. The typical homeowners / renters policy will cover your personal property (check for limitations there are usually some restrictions) regardless of where on earth the property is located.