There are many misconceptions surrounding trees and insurance when, in reality, the concept is fairly simple.
If a tree falls and hits your house and no one is around to see it, are you insured? Yes! The coverage is actually quite simple: if a tree hits a home or other insured structure like a detached garage, fence, patio, the general homeowners insurance policy will cover the damage that results from tree damage. This includes trees that were struck down by strong winds, a lightning strike, or hail.
Ownership of the tree is irrelevant; if it lands on your home (or any other insured structure) you can file a claim with your insurance company. After a hurricane or tornado, things like entire trees, shrubs, and branches can all become malicious projectiles traveling at hundreds of miles away and cause incredible amounts of damage. In most cases, the insurance company will not investigate from where the projectile came from.
If the tree that fell on your property belonged to your neighbor, worry not, you’re covered too. Your insurance company may attempt to collect the payment from your neighbor’s insurance company, and may even reimburse you for the deductible if they are successful.
A standard homeowners insurance policy can also provide damage done to trees and shrubs due to a fire, storm, explosion, aircraft, vehicles, and theft not done or owned by you. Coverage for this kind of damage is usually limited to up to five (5) percent of your homeowners insurance coverage.
When it comes to your home, purchasing a quality homeowners insurance is the best way to protect it from dangers unseen to you. For all of your insurance coverage needs, contact the insurance experts at Scavone Insurance Center in White Plains, New York. We will work with you to make sure you have the coverage you need to protect you from any perils.