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    Personal Insurance Blog

    How does a Homeowners Policy Handle Tree Damage?

    Posted by Geoffrey Gordon

    Sun, Mar 04, 2018 @ 11:29 AM

    Tree damage to your home from big windstorms is absolutely covered under most homeowners policies. The policy covers having the tree removed; damage to the house; and any consequential damage to personal belongings (including damage from the rain that finds its way inside). This can get complicated with needs for cranes or other specialized equipment, roofers, and finish contractors...so getting in line early for these services is always a good step to take.  

    Tree damage that does not hit a structure is usually limited under most homeowners policies. When removal and cleanup are included, there is typically a $500 to $1,500 limit, and it may or may not be subject to your deductible. Contact us or your carrier's service center directly for your personal specifics.

    If a tree hits your home, take pictures and begin necessary repairs. When a tree penetrates a roof, or otherwise breaches the roof or walls, the opening can let water into the house causing additional damage.Don't wait to start on anything that you can safely do yourself, or through qualified service providers. Taking reasonable steps to prevent further damage is covered.   

    If you don't have a landscape contractor in mind who can cut up and clear away the tree debris in your yard, visit our service providers page. Be sure to keep in mind that the costs many of these providers charge goes up when there is a demand surge, such as the couple weeks immediately following a storm. If you're paying out of pocket, you can usually save a few dollars by waiting until after the initial demand is over. 

    To discuss your personal homeowners policy with an insurance professional at Gordon Atlantic Insurance, call us toll free at (800) 649-3252.  Prefer to type instead of talk?  Click below.

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    Tags: tree damage to home

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