If your home is damaged by a tree in a storm or a neighbor attempting DIY tree care, will your insurance cover it? That’s the question that’s on a lot of homeowners minds when they cast a wary eye on that old tree that isn’t looking too healthy.
When a tree falls on your home, the first steps is to make sure everyone is safe and away from the structure, call 911, and then call your insurance company.
Your Standard Home Insurance Will Cover Damage
The good news is that your standard home insurance will cover the damage to your home if a tree falls on it—no matter whose property the tree was on. If the tree was your neighbors, your insurance company will begin a process called subrogation, or when they reach out to the neighbor’s insurance company to collect. If successful, you may be reimbursed for your deductible.
Insurance May Also Pay For Tree And Debris Removal
It’s also not uncommon for your insurance to pay for tree and debris removal and refer you to a professional tree care company like Hansen’s Tree Service. This saves you the time and hassle to remove it on your own and ensures that it’s done safely.
Insurance May Not Cover The Damage If The Tree Wasn’t Cared For
If you neglected your tree’s care and it fell due to this neglect, your insurance may not cover the damage. This is because it’s your responsibility as a homeowner to make sure the tree is safe and there is an acceptable amount of risk. So make sure to take care of your trees and review your insurance policy carefully.
Hansen’s Tree Company Is Trusted By Insurance Companies
When a tree falls on a home, Hansen’s Tree Service has received many referrals from insurance companies. Our ISA Certified Arborists are fully trained and insured to remove trees and broken branches safely during an emergency. If needed, our expert consultants can also provide expert testimony for your insurance claims.