Trees Falling are one of the common risk you could come across as a owner of the home during ice storms and snow, but the extra insurance coverage depends on the context. Ice storms, windstorms, lightning, fires and even insects damage could cause big branches or trees to fall on your house and cause major property damage. Look out for trees that hang over the power lines, dead trees, trees with trunk cracks or hollows trees.
Know About the Important Coverages
Below are some of the ways as to how would the coverage work under few scenarios:
- If the tree in your neighbor’s space fell and cause damage to your house and its contents, and other structures on the property. You can claim under your homeowners insurance policy.
- In case a tree in your area fell on your free garage and roof is damaged. Standard homeowners insurance covers free structures. The removal and damage of the tree will be covered under your home insurance policy.
- In case if a tree falls on your neighbor’s property or on the house and cause damage then under their insurance policy they can file the claim on their property.
- If your neighbors tree fall on your compound then your insurer should go and consult your neighbors insurer to cover the damages of your compound. At that point of time you will be reimbursed for the amount of deductible you had insured with.
- In case your car is damaged when a tree fell in your driveway. This would be covered in your comprehensive insurance. Any damage to your vehicle will be paid from causes other than car accidents, such as natural disasters, vandalism, collisions with theft and animals.
- The insurance company not only pays if the tree has fallen on your home or other structures, it also pays if the tree is fallen on the road.