How does insurance work when trees fall? When it comes to what may or may not be covered when it comes to damage from fallen trees, here are five important thoughts to bear in mind:
1. Your homeowners insurance coverage quite likely covers tree clearing together with damage repairs for your property and other insured structures, for instance, fencings.
A tree hits your property and wrecks several insured structures. So now what? Your homeowners insurance policy will probably help with the charge of removing the tree and even repairing the damages. That is once you pay your deductible. Situations of covered occurrences might include strong winds knocking a tree over against your roof or lightning striking a tree, motivating it to hit your fence.
That being said, if a tree plummets due to neglect, you may well not receive any coverage. So keep your trees in good shape, and demand your neighbors to do the same.
2. When there’s no damage, there’s likely no insurance protection.
You might expect your homeowners insurance will cover the eradication expenses of any fallen tree, but that actually is not always the case. In the event that a tree lands on your property without breaking any insured structures, you will in all likelihood need to address the expenses of tree removal on your own.
3. Your city or municipality may remove trees that fall into the street, but you might still have a reason file an insurance claim.
Consult your city or municipality to determine who’s responsible for removing a tree which falls into the street. If your city assumes responsibility, it might just only be for the part that’s on the road. All of the fallen tree that sits on your property will probably be your responsibility. Your insurance provider may assist assuming that an insured structure was destroyed in the incident.
4. You likely have insurance coverage even if a tree plunges from your neighbor’s property.
When a fallen tree damages your house, your homeowners insurance policy may contribute no matter who owned the tree. Depending upon the details, your insurance provider could seek to recoup some of the expenditures, including things like your deductible, from your neighbor’s insurance plan. This could happen, for example, in case the neighbor was negligent in maintaining the tree before it fell.
5. Your vehicle insurance can cover damages to your automobile from a fallen tree.
If a tree drops from your property onto your auto, it’s your car insurance and not your homeowners insurance that will usually help cover the price of repairs. However, the tree does not have to come from your property. You quite likely have insurance coverage if a tree falls on your car, irrespective of from where. What might not be covered? The cost to take down the tree from the top of your car or truck.
Of course, almost every insurance carrier handles fallen trees differently. It all is dependent on the details of your insurance policy and your coverage limits, as well as the unique specifics of your situation. If you have to file an insurance claim for a collapsed tree, employ the guidelines below.
Pointers for Filing an Insurance Claim with Regard to a Fallen Tree
Supply as many details as plausible: If, for example, a neighbor’s tree was neglected and tumbled onto your property, leading to damages, make sure to inform your insurance company. If a storm caused the tree to fall, make sure to supply details about the seriousness of the weather.
Take pictures: Photos taken from different angles and vantage points help to establish the extent and reason for the damage. Be careful not to go close to fallen trees which are tangled up in power lines, though. Also don’t climb onto a weak surface to obtain better snapshots.
Be prepared to pay your deductible: In the event that you experience a covered loss because of a fallen tree, you will be accountable for paying the appropriate deductible. Your homeowners insurance or car insurance encompasses harm from a fallen tree in many instances. Still, it’s essential to understand when you’re covered as well as when you are not. So review your insurance policy. Are you a resident of South Carolina? Contact us. We can help you with your insurance.