Nature’s Dangerous Act – Falling Trees

Be Aware of After Effects of Falling TreesTrees 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.

An Act of Nature – Falling Trees

Be Aware of Falling TreesOne 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.