- July 20, 2015
When a tree falls and hits your house, you may be wondering if you are covered by your home owner's insurance policy. The short answer is, yes. The coverage is usually straightforward. If a tree hits a home or other insured structure, such as a detached garage, standard homeowners insurance policies provide coverage for the damage the tree does to the structure and the contents in it. This includes trees felled by wind, lightning or hail.
Whether or not you own the tree, it does not matter. If it lands on your home, you can file a claim with your insurance company. After a hurricane or windstorm, trees, shrubs and branches can become projectiles capable of traveling significant distances and can cause considerable damage to property. In most cases, an insurance company is not going to spend time trying to figure out where a tree or other item originally came from.
Most home insurance policies also provide coverage for damage to trees and shrubs due to fire, lightning, explosion, theft, aircraft, vehicles not owned by the resident, vandalism and malicious mischief. It's important that you begin working with your insurance company right away to maximize your benefits and recover quickly.
When you are looking for help remodeling after any kind of damage from trees felled by wind, lightning or hail, remember that Larkin Remodelers is here to provide 24/7 emergency service and has experience in working with insurance policies to cover your cost.