A tree falling on your home can do considerable damage to the structure. When you realize that this has happened, you need to ensure that you’re doing what you can to get things back to normal as quickly as possible. For homeowners, this can mean having to deal with the insurance company to handle the damages.
One distinction that must be made when the insurance company comes out to assess the damage is the reason the tree fell. Typically, insurance companies will cover sudden events, such as the tree falling because of a windstorm or hurricane. They usually won’t cover things like a tree that causes damage because of a gradual issue, such as what happens when roots grow into the home.
When you’re dealing with the insurance company about the incident, you need to be sure to keep clear records of what is being said and done. You need to know what your policy covers. For example, some policies will cover the tree removal, but there might be a monetary limit on that coverage.
You need to know what deductible applies to your situation. This is what you’ll have to pay for the damages before the insurance kicks in. Sometimes, the insurer will just take the deductible out of the funds you receive to correct the issue.
Trying to navigate through the insurance issues when you have a tree fall onto your home can be a challenge. Working with someone who is familiar with these types of situations can help to protect your interests and ensure that you get what you’re due for the incident.