What would you do if a helicopter crashes into your house? A little over a month ago, we heard a story about a helicopter crashing into a home in Southern California. The crash had injured some and fatally wounded others. This isn’t the type of accident that only happens in Hollywood (Donnie Darko anyone?) but from time to time this kind of incident happens in real life too. While helicopter/home crashes are rare, they can happen. So this week’s #wednesdaywarning is meant to prepare you for the worst in the rare case that a plane or helicopter meets its demise in your home.
A Helicopter Crashes Into Your House–What Would You Do?
Although it seems more like the stuff of urban legend than impending doom, aircraft occasionally does collide with domicile. This type of scenario is just one of the many reasons that insurance exists–to protect in the advent of unforeseen circumstances.
Helicopters are unique in the fact that they become airborne through the use of two horizontal propellers. Unlike airplanes, helicopters are able to move in any direction and can also hover. With such precise agility, it’s very unexpected that one would crash, but as with all things in life, sometimes malfunction is inevitable.
The crash that occurred in Newport Beach, California over a month ago is just such an example. The helicopter was filled with four people, and when it crashed, it was only one mile away from the airport it departed from. The helicopter crashed into a home while the residents were present. Miraculously, none of the residents were injured, but one bystander outside had to be rushed to the hospital, along with one of the helicopters inhabitants–the rest were fatally wounded by the crash.
How does something like this happen? Public transportation vehicles are supposed to go through numerous safety checks to ensure they are meeting federal and safety guidelines at all times.
But accidents do happen. The maintenance inspector of the Federal Aviation Administration in Long Beach had noted in a memo that safety wiring on the helicopter engine’s valve covers did not meet FAA standards, along with a few other minor issues that might not have been cause for alarm on their own, but should definitely have merited more investigation before the helicopter went out.
Does Insurance Even Help You If A Helicopter Crashes Into Your House?
Most likely the homeowners in the Newport Beach had to help them repair the damage after the fallout from this crash. But would that even matter? Is there even any kind of coverage for something as rare as a helicopter crashing into your house?
Fortunately, there is. A helicopter crashing into your house would be a covered loss under “falling objects.” A falling object is anything above or outside your home that falls or flies through the air, damaging the exterior roof or walls. This includes coverage for things like small meteors or a ice coming off of an airplane (which is a common occurrence).
Effective Coverage can help you with any questions you may have about your Renters Insurance. Remember, there are no stupid questions, and that is especially true in the world of insurance, which can be filled with unique situations and confusing terms. Please call us with any questions you may have at (800)892-4308 or click to get covered - whether you need renters insurance quotes online or coverage anywhere else!
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