Usually, if something falls into your yard and damages your property, you are responsible. As with any damage, you’ll need to decide if it is worth filing a claim or not. Obviously, if the tree hit your house and took a big chunk out of it, you will want to file a claim. If it only landed in your yard and there is no damage, there usually is coverage for tree removal but your deductible does apply so it might not be worth filing a claim. Call your agent for advice if you are not sure.
Occasionally, if you can prove that the tree was dead or in bad shape and that your neighbor knew this and did nothing about it, their insurance will cover your damages.
The claims process
Before filing a claim, we recommend that you get an estimate for the repairs. If you have a $1000 deductible and there is only $1200 in damage, it probably isn’t worth filing a claim. If you decide to file a claim, make sure to take photos. Call your agent or your insurance company. An adjuster will be sent out to evaluate the damage.
Preventing tree damage
Look at your trees and your neighbors’ trees. Look for dead limbs, cracks in the trunk or large limbs, leaning to one side and branches that are close to a house or power line.
If you find any of these signs of a possible problem on your trees have it taken care of. If you find them on your neighbors’ trees, take pictures and let your neighbor know there could be an issue.
To learn more and find out what coverages you have, give us a call
The Agent Insurance Services