While healthy trees typically have strong root systems, severe weather can still take its toll on them. And in a situation where a bad storm uproots a tree on your property, it’s important to know whether or not your homeowners insurance policy will have you covered for any property damage and/or tree removal services. In most cases, any property damage caused by a fallen tree will be covered to some extent, but there are exceptions that you should be aware of it. In this post, we’ll cover some common scenarios related to fallen trees and property damage. Here’s a closer look:
Am I Covered?
Homeowners insurance policies can be complicated, so we encourage you to contact your insurance agent promptly after your home has suffered damage from a fallen tree to gain further clarity on whether or not you’re covered. Generally, it’s likely that you are covered – although you may be responsible for some out-of-pocket costs. Here’s a closer look at some situations involving fallen trees and what most insurance policies cover:
- The cause of the fallen tree matters: Trees may fall for a variety of reasons. If the tree was diseased or deceased and it fell, how you’re covered is different than if the tree toppled due to high winds in a storm. In the former situation, you’d likely not be covered. However, if the cause of the fallen tree was a storm, lightning strike or high winds, you’re likely covered – both when it comes to any property damage your home sustained and for tree removal services.
- Household damage: Again, as long as the cause of the fallen tree was an act of God or something beyond your control, you’re likely going to be covered for at least some of the damage your home incurred as well as tree removal services. You may even be covered for a portion of the costs of anything in your yard that was also damaged (i.e., fences, sheds, etc.).
- No damage: If a tree on your property falls and doesn’t cause any damage, it’s likely that you’ll have pay for tree removal services out-of-pocket.
- A neighbor’s tree fell and damaged my property: In the case that a neighbor’s tree fell and damaged a fence, shed or part of your property, it’s likely that your homeowner’s insurance policy will cover some of or all of the costs associated with removal and repairs.
Contact Us Today
As a leader in Atlanta tree removal, we at Flores Tree Services don’t just pride ourselves on exceptional service, but working with homeowners and their insurance companies with claims as well. So if you have a fallen tree in your yard, we encourage you to contact us today. We’ll help assess your situation and suggest the next steps you take to ensure you’re able to recoup any costs owed to you from your homeowners insurance policy while performing fast and efficient tree removal. Contact us today for more information.