If A Tree Falls On Your House…Who’s Insurance Company Will Hear It?

Record setting rainfall in the region has many homeowners feeling a little unsettled at the thought of a tree falling and causing property damage, or even worse, injury. In the unfortunate event that this does happen, here are a few scenarios and general guidelines to follow.
If your neighbor’s healthy tree falls on your house, it is usually your own homeowner’s policy that covers any damage. Check your homeowner’s policy to take note of what it covers and perhaps any exclusions. Storms causing damage are an act of nature and therefore no one’s fault. General rule of thumb….Your property, your policy. Remember that this also applies the other way around as well. If said tree falls on your vehicle, your comprehensive auto policy will then cover the damages. Again, if your tree damages your neighbor’s vehicle, their auto policy will apply.
Maybe you’ve been trying to convince your neighbor that they have a diseased tree that looks like it could fall at any time? If it does come down and cause damage, it’s possible that your insurance carrier will try to get your deductible reimbursed from your neighbor’s policy. This is provided you have proof of your efforts, such as a certified letter, to get them to remove the tree prior to the incident. The same rules apply if it’s your tree in question and your neighbor’s property is damaged. If you are unsure of the condition of your trees, it’s recommended that you have them inspected by a professional arborist.
Check your policy to confirm if other unattached structures on your property are covered. i.e. a fence, unattached garage, shed, etc. Most will be at least partially covered.
Removal and clean up are generally covered if a downed tree blocks your driveway or pathway into your home. If it falls in the middle of your yard and doesn’t cause any damage, it will probably not be covered.
Check with your insurance broker to answer any questions or concerns you may have regarding tree loss and damage. It’s important to have sufficient coverage for whatever might blow your way.

Leave a Reply

Your email address will not be published. Required fields are marked *