34 Days of Homeowners Insurance
Day 015 | What Happens if a Tree Falls on my House?
If a tree falls on your home, are your covered?
This will be a case-by-case situation.
A Tree Falls on Your Home
A tree in your yard falls on your home due to hard winds. Your policy would pay to repair your home and any other structures the tree may have damaged. Your policy will also pay to have the tree removed off of your home. Your policy may or may not pay to have the tree completely removed and cleaned up from your property.
Your homeowners company could deny the claim if you are negligent. For instance, if you’re aware of your tree dying or limbs that need trimmed and you haven’t addressed the issues, your company could deny the claim.
My Neighbors Tree Looks Like it Could Fall on My House
This is your neighbors responsibility.
If you’ve talked with your neighbor and you don’t think he/she is going to take care of the situation, write them a letter noting the issue (or send an email). Keep a copy for yourself. And take pictures.
Should damage occur to your home or other structure, you have evidence of making your neighbor aware of the situation.
If your neighbors tree does fall and cause damage you have a couple of options:
- Ask your neighbor to turn the claim into his/her homeowners policy.
- Turn it into your homeowners insurance and have them subgrogate.
What Does it mean to Subrogate?
You would turn in the claim to your insurance company. You would be responsible for your deductible. And your insurance company would pay for the claim.
Then your insurance company would sue your neighbors insurer or your neighbor.
If your insurance company wins the lawsuit, you would be reimbursed your deductible.