Hurricanes, tornadoes, and other storms frequently cause trees to fall, which can result in property damage. Falling trees can damage homes, vehicles, or other property. Here are some things to keep in mind when dealing with damage from trees.
As soon as possible, take photos (or video) of the fallen tree and the damage it caused as documentation for an insurance claim.
If a tree falls and causes damage to your home, it is usually covered under your homeowners policy. This is typically true even if it is your neighbor’s tree that damages your property.
Sometimes trees fall but don’t cause any property damage. Insurance will not usually pay to replace the trees or cover the cost to cut up and remove the trees. Check your policy or ask your agent or insurance company to find out what coverage you have.
Typically, after a storm, your community will arrange services to pick up debris from the roadside. Check with your local officials for details.
To reduce the chances of damage from trees make sure limbs and branches are maintained and the trees are healthy. Also, if you think a neighbor’s tree is a hazard to your property, make sure to let them know.