Homeowners Insurance protects your home and property from covered hazards. Things like fire, wind, snow or ice and vandalism are usually covered by a standard insurance for homeowners. Some of these events can cause further damage from a tree in your garden or your neighbor's yard that falls.
Will my homeowners make sure trees are removed after a storm? , your supplier will be responsible for the cost of removing a tree.
Your coverage also kicks in when your neighbor's tree falls on your home if it is due to a covered occurrence. Homeowners insurance can also cover freestanding structures such as your garage or fence. If the neighbor's tree fell because it rotted and dried, your supplier may not take responsibility. However, you may be entitled to a payment from their insurance company if the damage was due to negligence. Usually, negligence in such situations can be difficult to prove, so you may want to consider talking to your neighbor to split the cost of removing it.
When is tree removal not covered?
If a tree falls on your property during a hazard that is not included in your insurance, you may not be covered. Floods and earthquakes are usually not covered by a standard policy for homeowners. If you live in an area that is prone to this type of event, it is best to contact your provider to purchase extra coverage. You can also not make a claim if it falls somewhere outside your property, even if it is due to a covered hazard.
A standard policy will pay you up to $ 1
000 for removing fallen trees, with a maximum of $ 500 per tree. This price is not fixed. Some providers offer higher limits for garbage removal. You are also paid to repair damage caused by the case. Like all insurances, you get paid up to the limit of your insurance. If the damage exceeds this limit, you must pay the difference out of pocket.
A standard policy also includes protection for shrubs and other plants on your property. Your supplier will reimburse you up to 5% of your residential limit to reimburse landscaping that is destroyed due to an incidence specified in the insurance contract. For example, if your home limit is $ 300,000, your insurance company will pay up to $ 15,000 for all plant-related losses. Under the standard garbage removal regulations, you are only paid $ 500 per plant.
Tips to Avoid Falling Tree Damage
A fallen tree can cause serious damage to your property. Here are some ways to avoid such an occurrence.
- If you have a tree on your property that is starting to rot or dry out, be proactive and cut off the dead limbs or possibly remove the entire tree before it falls.
- If you are not sure about the health of a tree, hire a local arborist for inspection. They will be able to detect what is wrong and give you professional advice on how to deal with the problem.
- If your neighbor has a dead tree, talk to them about the risk it poses to your property and theirs. Paying attention to the situation can help avoid any problems in the future.
At Abbate Insurance, we can help you take out an homeowners insurance plan that fits your specific needs, including coverage for the removal of dead trees. To get started, contact us today!