Home Owners assurance and Trees - You Love Them Your assurance business Hates Them

Insurance - Home Owners assurance and Trees - You Love Them Your assurance business Hates Them

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Coverage for damage caused by trees and for the trees themselves is one of many confusing areas of a Homeowners insurance policy.

What I said. It isn't the final outcome that the real about Insurance . You read this article for information about anyone want to know is Insurance .

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Your neighbors' tree falls and damages your garage, shed and fence.
Will insurance pay for the damage?
Whose insurance should pay?
What will they pay for?

A tree falls in your yard.
Will your insurance course pay for it to be removed?
Will it pay for a new tree?

A tree limb breaks from wind or a lightning storm and is dangling over your house.
Will your insurance course pay for it to be removed?
What if it's hanging over a neighbor's house?

A tree falls on your car.
What course will cover the damage to my car?
Is there coverage for the tree removal?

First, the basics; it does not matter whose tree it was. If there is damage to your asset (from anyone's tree) your insurance course is the one to respond. If there is damage from your tree to a neighbor's property, their insurance course is involved. If there is damage to both properties (from anyone's tree) both policies will be complicated and each will deal with its own asset only.

The only time a Homeowners insurance course should be complicated with damage to someone else's asset is if there is liability involved. That is if the tree was rotten or leaning and should have been removed or trimmed prior to the damage occurring. Even then the damaged properties insurance course will ordinarily pay for their customer's damage and then try to recover their money from the tree owners' insurance company.

Second, the prominent consideration for coverage is; what is physically damaged. If a tree, or quantum of a tree, falls and does not damage any real asset there is no coverage. Real asset is any building, buildings or contents item it does not include land, landscaping or plants of any kind. A fence, shed, patio, driveway, swing set or bicycle would count as real property.

If a tree falls into your yard and does not cause any damage to the home or any other real asset then there is no coverage to remove the tree or for any cleanup. Sorry!

If there is damage to whatever such as a fence then the course should cover repairs or replacement of the damaged item(s) and also minute coverage for extraction of the tree. To make this even more confusing; the tree extraction coverage is divided in 2 phases.

Phase 1: Getting the tree removed off of the real asset is covered with no sub-limit. That is if a tree is on a warehouse shed then the first stage of tree extraction is to remove it off the shed so repairs can be made. The only limit for this part of the extraction is the coverage limit on this section of your policy; in this case the Other Structures coverage.

If the repairs to the shed and the tree extraction combined are greater than the coverage ready then there is an added coverage ready for debris removal. This is 5% in most cases, so if you have ,000 coverage on Other Structures you can have up to ,500 for the repairs and tree extraction cost.

Phase 2: The second stage of tree extraction is removing the tree debris off the premises. This quantum is minute to 0 or ,000, this limit can vary by insurance company, course type and state involved.

Third, the tree itself is covered in sure minute circumstances and for a minute amount only. The tree is not covered for wind or hail damage but is covered for damage from fire, lightning, explosion, vandalism and car damage (as long as it was not a car driven by members of your family). The limit is typically 0 per tree but can be more on some policies and in some states.

Fourth, If a damaged tree is leaning toward your home or dangling precipitously over your home what is covered? Assuming that quantum of the tree has not damaged real asset then there is No coverage. Even if other tree or quantum of the same tree has caused damage.

It is your accountability to protect your property. The insurance course only covers damage, Not potential damage. The same is true if one of your trees is dangling over someone else's property, no coverage for potential damage.

If you ignore the situation and the tree later falls and causes damage to the neighbor's home their insurance will cover their damage. They will then want to recover their money from your insurance company, or you. This is called subrogation.

If the later damage occurs to your home your insurance firm could try to deny coverage because you did not protect the property.

The Homeowners insurance course covers sudden and accidental damage it is not a maintenance policy.

Finally, damage to any automobile will only be covered on the auto course (then only if you have comprehensive coverage). The tree extraction will not be covered by your Homeowners course unless other real asset was damaged.

See our websites mentioned below for more information. You can send direct questions or read what other homeowners have asked.

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