One of the common hazard could be faced being an home owner is falling trees, specially during ice or snow storms. Natural calamities such as fires, lightning, windstorms, and even insect corroding causes the branches or trees to fall on your home resulting in property damage. You need to be careful and watch out for trees with trunk hollows or cracks, limbs of trees hanging around, dead trees or with mushrooms on tree bark have high chances of falling and causing extensive damage to your property.
Falling trees – What’s Covered?
Working of your insurance coverages under such scenarios:
- You can file a claim on your home insurance policy, if yard or a tree even if rooted in your neighbor’s house fell over damaging your home and other
- As any home insurance policy covers detached structures such as garage, they are covered when any damage occurs due to tree fall.
- Please note that, tree rooted in your home if falls on your neighbor’s roof, then he should claim under his own insurance policy and you are not liable for it.
- Comprehensive coverage pays when your car is damaged due to a tree fall, natural disasters, theft, vandalism or collision with animals.
- Your deductible can be reimbursed If your neighbor’s tree caused damage and he goes after his insurer.
- The standard insurance policy replaces shrubs and trees damaged by vandalism, fire, lightning and other perils, but not wind or water.
- A tree rooted by you falls and does not damage any structures or house but blocks the road or ramp, insurance might pay to help in removing it. Not all insurance companies pay you to have the tree removed unless specified in your policy.