Understanding Insurance Benefits and Tree Removal

Home insurance policies differ from one company and policy to another. While we cannot give you a straight-forward answer, we can discuss the general cases. For specific answers about your coverage, we recommend referring to your insurance policy.

Usually, damage by a fallen tree to your covered structures such as your home, garage, fencing, or storage is covered by your home insurance policy. However, there are some circumstances in which a representative might deny your claim. For instance, if the tree was not properly maintained and if it fell over due to disease, damage, and other preventable situations, then you may be found liable for the damages. This is why it is so important that you stay on top of your tree maintenance by having a healthy relationship with a tree service provider like Sesmas Tree Service.

Tree Fell but There Is No Property Damage

Home insurance policies generally cover structures such as your house, fence, and garage while auto insurance policies cover your vehicle. If a tree falls on your property but does not damage any of the covered structures, then you are both lucky and unlucky. Luckily, your property was not damaged. Unfortunately, however, your insurance provider will probably not cover the tree removal costs. There may be exceptions if the fallen tree ends up blocking the driveway or the road, but you should refer to your insurance policy for specific details.