24 HOUR EMERGNCY STORM DAMAGE SERVICE

Trees are beautiful and necessary, but for all the good they do for the environment, they can wreck your property in a heartbeat. Problems like lightning, strong winds and the weight of ice can cause a tree to snap and fall.

The good news is your homeowners insurance policy will cover damage caused by fallen trees if the tree fell because of a problem covered by your policy. For example, if a lightning strike hits a tree and it falls on your roof, you can make a home insurance claim for roof damage.

But there are some exceptions to coverage for fallen tree damage. If the tree was dead or rotten, you might not be covered for any damage. That’s because most home insurance won’t cover damage caused by poor maintenance, which could include the failure to remove dead and rotted trees.

A FALLEN TREE DAMAGES YOUR PROPERTY :

 Damage from fallen trees or branches will be covered, if the cause of the problem is covered by your policy. For example, if wind takes down a large tree branch and it crushes your shed, you can file a claim with your homeowners insurance. 

A FALLEN TREE DAMAGES YOUR NEIGHBORS PROPERTY :

 If a tree on your property falls on a neighbor’s property and damages their home, your neighbor can file a claim through their own homeowners insurance. On the other hand, if your neighbor’s tree falls on your property, you would need to file a claim through your own insurance.