The recent devastation of Hurricane Matthew has a lot of residents of Woodstock, GA contacting us at Peter Laczko Insurance Inc. and asking about falling tree damage to their home. It is an understandable concern and one that must be fully understood before making an insurance claim.
Most Policies Will Cover Falling Damage…Usually
While most home insurance policies will cover damage to your home caused by a falling tree, there are certain limitations which apply. For example, you must pay your deductible before insurance will cover anything. So if the damage repair cost is lower than the deductible, you will receive no coverage.
Coverage will also be denied if the tree fell due to neglect on your part, such as failure to maintain the tree’s health or removing it if it was dead. The tree must have fallen due to no-fault of yours, such as during the extreme weather conditions of a hurricane. Tree removal is also not covered if your home wasn’t damaged by the falling tree.
Coverage For A Neighbor’s Falling Tree Is More Complex
If your home is damaged by a neighbor’s falling tree, your home insurance policy is likely to cover the damage. The same is true if a tree from your property falls and damages their house. However, if neglect is proven in either case, home insurance will not cover the damage. These unfortunate situations often result in lawsuits, so it is best to work with your neighbor to keep your trees in great health.
Contact Us Today
If you live in Woodstock, GA and suffered from falling tree damage to your home after a severe storm, please contact us at Peter Laczko Insurance Inc. today. We can help you understand your rights and get you the insurance coverage that you deserve.
