There seems to be much confusion about homeowners insurance and their coverage over trees? So does it cover damage caused by a fallen tree?
If a tree falls in the middle of suburbia and no one is around to hear it, does it make a noise? But more importantly, does your homeowners insurance cover it? Ignoring all philosophical transactions about the acoustics of trees, the short answer is yes. Your home is covered if a tree falls on it.
If the tree belongs to you and falls on your home or any other covered structure–like a fence, detached garage, etc.–your home insurance will cover the damage and removal of the tree (up to your covered limit).
Your house is covered whether the tree was rooted to your house or not. During heavy windstorms, trees and shrubs can become projectile as they reach speeds upwards of 100+ mph. Insurance companies are not going to investigate from where the tree came from–in most cases, that is.
If the tree belonged to your neighbor, your insurance company is likely to collect the neighbor’s insurance information. If it is successful, you may be reimbursed the deductible.
It’s important that you get the right coverage to protect you from a falling tree. You’re going to need the right homeowners insurance to have you covered, so it’s best to take your time. Contact the independent insurance professionals Perry & Carroll in Elmira, New York for all of your homeowners insurance coverage needs this season.