When severe weather strikes, homeowners across the country face the very real possibility of trees and debris causing significant damage to their property. At Fida Insurance Group in Monroe, CT, we understand how stressful these situations can be and want to help you understand exactly how your home insurance policy responds to this type of damage.
Standard Coverage for Tree Damage
Most homeowners’ insurance policies provide coverage when trees or large branches fall and damage your home, garage, or other covered structures. This protection typically extends to situations where the tree falls due to wind, lightning, ice storms, or the weight of snow. Your policy will generally cover both the cost of removing the tree from your damaged property and repairing the structural damage it caused.
When Coverage Might Be Limited
There are important exceptions to understand. If a tree falls due to disease, rot, or because it was already dead, your insurance company may deny the claim if it determines you should have known about the tree’s condition. Additionally, if a healthy tree falls in your yard without hitting any structures, the removal costs typically aren’t covered since no actual property damage occurred.
What About Neighbor’s Trees?
When your neighbor’s tree falls and damages your property, your own insurance policy usually handles the claim first. You won’t need to wait for your neighbor’s insurance to investigate, which helps speed up repairs and restoration.
Understanding your coverage helps you prepare for unexpected situations and know what to expect during the claims process. For specific questions about your policy coverage, contact Fida Insurance Group in Monroe, CT to discuss your individual protection needs.
