It happens far too often; during a windy day or a thunderstorm, a tree gives way to the elements and is uprooted and falls on a house causing major roof damage. When something like this happens, a million things can run through a homeowner’s head. One of the most common thoughts: how can I afford to fix this? In this article, we will discuss the scenarios when your insurance company will/won’t cover the damages of a fallen tree.
- When a healthy tree falls due to high winds/storms and damages your home, a standard homeowners insurance policy will more than likely cover it.
- When an unhealthy and neglected tree falls, it most likely will not be covered by insurance. This is the case because a neglected tree could fall at any moment and is the responsibility of the homeowner to remove it before any damage is caused.
- When a tree falls and it does not damage your home, your insurance company typically does not cover debris removal.
- When a neighbor’s tree falls and lands on your property, your insurance may help pay for repairs if it damages your home.
Understanding your insurance policy and what is and is not covered is an important level of preparedness that many people neglect until it is too late. If you have storm damage in your home don’t hesitate to call the professionals at SERVPRO of Jackson & Ross, Athens & Gallia today at (740) 286-2550.