Do you know about - Home Owners insurance and Trees - You Love Them Your insurance enterprise Hates Them
Erie Insurance Claim! Again, for I know. Ready to share new things that are useful. You and your friends.Coverage for damage caused by trees and for the trees themselves is one of many confusing areas of a Homeowners insurance policy.
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Your neighbors' tree falls and damages your garage, shed and fence.
Will insurance pay for the damage?
Whose insurance should pay?
What will they pay for?
A tree falls in your yard.
Will your insurance procedure pay for it to be removed?
Will it pay for a new tree?
A tree limb breaks from wind or a lightning storm and is dangling over your house.
Will your insurance procedure pay for it to be removed?
What if it's hanging over a neighbor's house?
A tree falls on your car.
What procedure will cover the damage to my car?
Is there coverage for the tree removal?
First, the basics; it does not matter whose tree it was. If there is damage to your property (from anyone's tree) your insurance procedure is the one to respond. If there is damage from your tree to a neighbor's property, their insurance procedure is involved. If there is damage to both properties (from anyone's tree) both policies will be involved and each will deal with its own property only.
The only time a Homeowners insurance procedure should be involved with damage to someone else's property is if there is liability involved. That is if the tree was rotten or leaning and should have been removed or trimmed prior to the damage occurring. Even then the damaged properties insurance procedure will ordinarily pay for their customer's damage and then try to recover their money from the tree owners' insurance company.
Second, the leading observation for coverage is; what is physically damaged. If a tree, or part of a tree, falls and does not damage any real property there is no coverage. Real property is any building, buildings or contents item it does not contain land, landscaping or plants of any kind. A fence, shed, patio, driveway, swing set or bike would count as real property.
If a tree falls into your yard and does not cause any damage to the home or any other real property then there is no coverage to take off the tree or for any cleanup. Sorry!
If there is damage to whatever such as a fence then the procedure should cover repairs or replacement of the damaged item(s) and also minuscule coverage for dismissal of the tree. To make this even more confusing; the tree dismissal coverage is divided in 2 phases.
Phase 1: Getting the tree removed off of the real property is covered with no sub-limit. That is if a tree is on a storehouse shed then the first stage of tree dismissal is to take off it off the shed so repairs can be made. The only limit for this part of the dismissal is the coverage limit on this section of your policy; in this case the Other Structures coverage.
If the repairs to the shed and the tree dismissal combined are greater than the coverage available then there is an additional coverage available for debris removal. This is 5% in most cases, so if you have ,000 coverage on Other Structures you can have up to ,500 for the repairs and tree dismissal cost.
Phase 2: The second stage of tree dismissal is removing the tree debris off the premises. This part is minuscule to 0 or ,000, this limit can vary by insurance company, procedure type and state involved.
Third, the tree itself is covered in determined minuscule circumstances and for a minuscule estimate only. The tree is not covered for wind or hail damage but is covered for damage from fire, lightning, explosion, vandalism and vehicle damage (as long as it was not a vehicle driven by members of your family). The limit is typically 0 per tree but can be more on some policies and in some states.
Fourth, If a damaged tree is leaning toward your home or dangling precipitously over your home what is covered? Assuming that part of the tree has not damaged real property then there is No coverage. Even if someone else tree or part of the same tree has caused damage.
It is your responsibility to protect your property. The insurance procedure only covers damage, Not inherent damage. The same is true if one of your trees is dangling over someone else's property, no coverage for inherent damage.
If you ignore the situation and the tree later falls and causes damage to the neighbor's home their insurance will cover their damage. They will then want to recover their money from your insurance company, or you. This is called subrogation.
If the later damage occurs to your home your insurance business could try to deny coverage because you did not protect the property.
The Homeowners insurance procedure covers sudden and accidental damage it is not a maintenance policy.
Finally, damage to any automobile will only be covered on the auto procedure (then only if you have thorough coverage). The tree dismissal will not be covered by your Homeowners procedure unless other real property was damaged.
See our websites mentioned below for more information. You can send direct questions or read what other homeowners have asked.
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