What to do if a tree falls on my house?
Trees are a great addition to any yard but when unexpected storms roll in and disaster strikes, they can cause extensive structural damage to your property and yard. If you’ve had the misfortune of arriving home to find a tree lying on the roof of your house, you may be left wondering what to do and if your home owner’s insurance policy will help cover the costs of removal and repairs. The answer depends on a number of factors but our Allstate insurance center in Hawthorne is here to help outline a couple of scenarios and explain how your home owner’s insurance policy works!
Does Home Owner’s Insurance Cover Damage Caused By Fallen Trees?
Determining whether you are covered depends on the reason behind the collapse as well as where the tree actually fell. Our Allstate home insurance plans provide protection for your Hawthorne home and other structures, such as your fence and shed, against wind damage provided the tree that fell was otherwise healthy and only caused damage to your home because of the storm.
It’s also important to note that home owner’s insurance will not typically pay for debris removal if the tree that fell caused no structural damage, or cover loss due to negligence or maintenance-related issues. This means your insurance will most likely not cover any damages to your property if the tree was rotted and ready to fall before the storm.
Who Is Responsible If A Tree Damages My Hawthorne Neighbor’s Property?
In the event a tree from your property damages your neighbor’s property, you will only be considered responsible if neglect on your part contributed to the tree’s demise. The same holds true if your neighbor’s tree falls onto your property.
Mother nature can be unpredictable but your insurance coverage doesn’t have to be. Get in touch with our experienced Allstate agents at Sully Insurance Center to request a quote and receive the peace of mind and protection that comes with quality homeowner’s insurance from Allstate.