Home Page Contact Us
  • Main Menu
    • Home Page
    • Refer a Friend
    • Join Our Newsletter
    • Our Carriers
    • View our Blog
    • Location Map
    • Employee Directory
    • Contact Us
    • About Us
    • Privacy Policy
  • Automobile
    • Automobile Insurance Home
    • Auto Insurance Quote
    • Request ID Card for Auto Policy
    • Request Declaration and Coverages Page for Auto Policy
    • Send Declaration and Coverages Information to Lien Holder
    • Add Vehicle to Existing Auto Policy
    • Remove Vehicle from Existing Auto Policy
    • Add Driver to Existing Auto Policy
    • Remove Driver from Existing Auto Policy
    • Auto Quote Form (short)
  • Homeowners
    • Homeowners Insurance Home
    • Homeowners Insurance Quote
    • Request Declaration and Coverages for Existing Homeowners Insurance Coverage
    • Homeowner Flood Quote Form
    • Request Evidence of Insurance
  • Renters
    • Renters Insurance Home
    • Renters Insurance Quote
    • Request Declaration and Coverages Page for Existing Renters Insurance Coverage
    • Renters Quote Form
  • Motorcycle
    • Motorcycle Insurance Home
    • Motorcycle Insurance Quote
    • Request ID Card for Motorcycle Policy
    • Request Declaration and Coverages Page for Motorcycle Policy
    • Add Motorcycle to Existing Policy
    • Remove Motorcycle from Existing Policy
    • Add Driver to Existing Motorcycle Policy
    • Remove Driver from Existing Motorcycle Policy
  • Business & Commercial
    • Business & Commercial Insurance Home
    • Commercial Auto Insurance Quote
    • Request ID Card for Commercial Auto Policy
    • Request Declaration and Coverages Page for Commercial Auto Policy
    • General Liability Quote Form
    • Request General Liability Certificate of Insurance
    • Business Owners (BOP) Quote Form
    • Builders Risk
    • Workers Compensation Quote
  • Life
    • Life Insurance Home
    • Life Insurance Quote
    • Term Life Insurance Quote
  • Annuities
    • Annuities Insurance Home
    • Annuity Quote Form
  • Flood
    • Flood Insurance Home
    • Flood Quote Form
    • Request Declaration and Coverages Page for Existing Flood Insurance Coverage
  • Trucking
    • Trucking Insurance Home
    • Truck Quote Request
Auto Insurance Home Insurance Life Insurance Business Insurance
Home > Blog > Five important things to keep in mind about fallen trees and insurance:
WEDNESDAY, SEPTEMBER 12, 2018

Five important things to keep in mind about fallen trees and insurance:

Five important things to keep in mind about fallen trees and insurance:

Brought to You by Stonewall Insurance Agency

1. Your homeowners insurance likely covers tree removal and damage repairs for your

home and other insured structures, such as fences. That’s once you pay your deductible, of course. Examples of covered incidents can include strong winds knocking a tree over onto your roof or lightning striking a tree, causing it to fall on your fence.

However, if a tree falls due to neglect, you may not receive any coverage. So keep your

trees in good shape, and ask your neighbors to do the same.

2. If there’s no damage, there’s likely no insurance coverage. If a tree falls on your property without damaging any insured structures, you will likely need to cover the costs of tree removal yourself.

3. Your city or municipality may clean up trees that fall into the street, but you may still

have reason to file an insurance claim. Check with your city or municipality to determine who’s responsible for removing a tree that falls into the street. If your city takes responsibility, it may only be for the portion that’s in the street. Any of the felled tree that’s left on your property will be your

responsibility. Your insurance may help if an insured structure was damaged in the incident.

4. You may have coverage even if a tree falls from your neighbor’s property.

When a fallen tree damages your property, your homeowners insurance may pitch in no

matter who owned the tree. Depending on the circumstances, your insurance carrier may

attempt to recoup some of the costs, including your deductible, from your neighbor’s

insurance. This may occur, for example, if the neighbor was negligent in caring for the tree

before it fell.

5. Your car insurance may cover damage to your vehicle from a fallen tree.

If a tree falls from your property onto your car, it’s your car insurance and not your

homeowners insurance that will likely help cover the cost of repairs. But, the tree doesn’t

have to be from your property. You likely have coverage if a tree falls on your car, no

matter from where. What may not be covered? The cost to remove the tree from atop your

car.

Tips for Filing an Insurance Claim for a Fallen Tree

Take photos: Photos taken from many angles and vantage points help to establish the

extent and cause of the damage. Be careful not to go near fallen trees that are entangled in

power lines, however. And don’t climb onto an unstable surface to get better photos.

Posted 8:56 AM

Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2020
  • 2019
  • 2018
  • 2017

  • #stonewall #stonewallinsurance #stonewallinsuranceagency #atlantainsurance #insuranceatlanta #autoinsurance #homeownersinsurance #commercialinsurance #lifeinsurance #blackowned #girlboss #ladyboss #womeninbiz(2)

View Mobile Version
Our Location Insurance Website Builder Home Page