Trees and Homeowners Insurance

Having a large, mature tree is a great way to increase the value of your home and enjoy cooler temperatures in your home during the summer. Unfortunately, there are also some dangers that are associated with trees in your yard, including if one falls on your home. Knowing how to handle a fallen tree claim with your homeowners insurance provider will help to make the process much easier and smoother.

If a tree from your yard falls onto your home, you are most likely covered by your homeowner’s insurance policy. Your home insurance policy will also provide protection if the tree falls on another structure on your property, such as a shed or garage. Your policy will provide coverage if the tree falls for a number of reasons, including lightning, wind, or hail.

Even if a tree from your neighbor’s house falls on your home, you will still be covered by your homeowner’s insurance policy. You can file a claim for any damage that is done to your home from a tree, no matter where it came from. During strong storms, it is not uncommon for trees to make their way down the street, causing serious damage. Finding out exactly where the tree came from can be very expensive and time consuming, which most insurance companies do not want to do.

Your insurance company may try to collect a payout from your neighbor’s insurance company if it is clear that the tree fell from their property. Most insurance companies will take this route when the tree was not properly maintained or in poor health. If they are able to collect from the other insurance company, you will most likely be reimbursed for your deductible.

Contact the insurance professionals at Steve Wilk Insurance Agency in Lombard, Illinois for all of your homeowners insurance coverage needs.