What Damages my Insurance Policy shall cover From a Fallen Tree on My Property: Sometimes it is a repeated questions in the mind of some persons whether their homeowner insurance policy extends to cover the perils that resulted from a fallen tree within their vicinity.
Whether your homeowners insurance policy includes coverage for fallen trees generally depends on some factors which shall be provided below and same shall be discussed in questions.
Q: DOES HOMEOWNERS INSURANCE COVER DAMAGE CAUSED BY FALLEN TREES ON MY PROPERTY?
A: the answer to the above question shall depends heavily on some factors, usually a homeowners insurance policy typically protects your home and other structures, such as a fence or shed, against specific causes of loss, known as perils. Covered perils typically include damage caused by wind. So, the situation that caused the tree to fall is important. If the tree was otherwise healthy and damaged your home because of wind, a typical homeowners insurance policy may help pay to repair damage to your home or other structure on your property but the insurance company shall not be held liable to indemnify you if the peril was as a result of your negligent act.
Q: WHAT IF THE TREE DOESN’T DAMAGE ANYTHING?
A: if the tree fell and does not cause any damage to your house or your property then the insurance company shall not be held to indemnify for any peril and so therefore, they won’t also pay for the tree debris removal, according to the III. However, sometimes insurance companies may help cover the cost of removal if the fallen tree becomes an obstacle for drivers like blocking a driveway.
Q: WHAT HAPPENS IF THE TREE WAS ON MY NEIGHBOR’S PROPERTY?
A: here the insurance company can also help to pay for the repair of the peril that resulted from the tree that fell from your neighbor’s property (or other structure, if the tree falls on your fence, for example).
Q: AM I RESPONSIBLE IF A TREE FROM MY PROPERTY DAMAGES MY NEIGHBOR’S PROPERTY?
A: You will only be held liable to pay for the damages if the damages or the tree falls resulted from your negligent act, If not – say a storm knocked your healthy tree onto your neighbor’s house – your neighbor will likely have to file a claim through his or her own insurance.
Q: DOES HOMEOWNERS INSURANCE COVER REMOVAL OF TREE DEBRIS?
A. If the tree damaged your home, a homeowners insurance policy may help cover the cost of repairing your house as well as removing the fallen tree branches, the III says. But if the tree fell without causing damage to a structure on your property, homeowners insurance likely won’t cover the cost of removing the debris, according to the III.
Q: HOW MUCH DOES HOMEOWNERS INSURANCE COVER FOR TREE REMOVAL?
A: If a tree damages an insured structure on your property, home insurance may help cover the cost to remove the tree, typically up to $500 to $1,000, depending on your policy, according to the III. So why taking your insurance policy, you must consider the following.
While taking your homeowner insurance policy, it will be imperative that you ask your insurance agent about what and what are to be covered by your insurance policy, whether the perils that resulted from tree falls shall be covered.
We sincerely hope that the post : What Damages my Insurance Policy shall cover From a Fallen Tree on My Property; has help to enlighten your knowledge on this insurance matter
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