How to Deal With Trees in a Storm
If you have ever watched trees in a storm, you know it can be scary. It’s an uncomfortable feeling when uncontrollable forces of nature are at work and all you can do is cross your fingers that a heavy branch or tree won’t fall on your home or car.
Prevention
Structural damage caused by branches and trees falling in a storm is one of the most common homeowners insurance claims during hurrican season, as well as in the winter due to blizzards and heavy snow.
As a homeowner, it is your responsibility to perform regular maintenance to your home and property to avoid potentially dangerous situations. This includes pruning and trimming tree branches that are weak or hanging over your house and removing dead or dying trees. Hire a professional to do the job!
Tree Storm Damage Insurance Coverage
First of all, if a tree falls on your home, leave immediately, make sure everyone is safe and call 911. If a tree falls on your home or other insured structure, your standard homeowners insurance policy should cover the damage. Keep in mind that poor maintenance might cause the insurance company not to cover the damage.
Power Loss
Falling trees and branches often cause prolonged power losses. Many people don’t realize they might be able to get reimbursed for the cost of lost groceries.
During power outages, maintain the temperature of your refrigerator by keeping the door closed as much as possible.
Neighbors Trees
If a neighbors tree falls and damages your property, insurance will protect you no matter who the tree belongs to. However, your neighbor may be held liable if the tree was knowingly in poor condition or deteriorating. Just another reason why it’s important to stay on top of tree maintenance.
Tree Removal
If a tree falls on your property and causes structural damage, repairs as well as tree removal may be covered by insurance.
Bottom Line
Due diligence in maintaining trees is essential.