Your Massachusetts Home Insurance - If my tree falls in my neighbors yard, or, if their tree falls in my yard, is this covered by insurance?
photo courtesy of Safeco Insurance
A recent severe storm knocked out power, closed schools, and felled trees across the Northeast.
Many homeowners wonder if they are covered when a tree falls on their house.
It is important to be aware that every insurance carrier handles fallen trees differently. It all depends on the specifics of your policy and your coverage limits, as well as the specifics of your situation.
The good news is, there is coverage available for trees that fall but it depends on the situation. A homeowners policy says that if a tree hits the home or another insured structure on the property, the damages are covered under the typical Massachusetts homeowner's policy.
Check out these five important things to keep in mind from our friends at Safeco Insurance.
1. Your homeowners insurance likely covers tree removal and damage repairs for your home and other insured structures.
However, if a tree falls due to neglect, you may not receive any coverage. So keep your trees in good shape.
2. If there’s no damage, there’s likely no insurance coverage.
You may assume your homeowners insurance will cover the removal costs of any fallen tree, but that isn’t always the case. If a tree falls on your property without damaging any insured structures, you will likely need to cover the costs of tree removal yourself.
3. Your city or municipality may clean up trees that fall into the street, but you may still have reason to file an insurance claim.
Check with your city or municipality to determine who’s responsible for removing a tree that falls into the street. If your city takes responsibility, it may only be for the portion that’s in the street. Any of the felled tree that’s left on your property will be your responsibility. Your insurance may help if an insured structure was damaged in the incident.
4. You may have coverage even if a tree falls from your neighbor’s property.
When a fallen tree damages your property, your homeowners insurance may pitch in no matter who owned the tree. Depending on the circumstances, your insurance carrier may attempt to recoup some of the costs, including your deductible, from your neighbor’s insurance. This may occur, for example, if the neighbor was negligent in caring for the tree before it fell.
5. Your car insurance may cover damage to your vehicle from a fallen tree.
If a tree falls from your property onto your car, it’s your car insurance and not your homeowners insurance that will likely help cover the cost of repairs. But, the tree doesn’t have to be from your property. You likely have coverage if a tree falls on your car, no matter from where. What may not be covered? The cost to remove the tree from atop your car.
Of course, every insurance carrier handles fallen trees differently. It all depends on the specifics of your policy and your coverage limits, as well as the specifics of your situation. If you need to file an insurance claim for a fallen tree, use the tips below.
Tips for Filing an Insurance Claim for a Fallen Tree
Take photos: Photos taken from many angles and vantage points help to establish the extent and cause of the damage. Be careful not to go near fallen trees that are entangled in power lines, however. And don’t climb onto an unstable surface to get better photos.
Provide as many details as possible: If, for example, a neighbor’s tree was neglected and fell onto your property, causing damage, be sure to tell your carrier. If a storm caused the tree to fall, be sure to provide details about the severity of the weather.
Be prepared to pay your deductible: If you experience a covered loss due to a fallen tree, you will be responsible for paying the appropriate deductible.
Your homeowners insurance, or car insurance, covers damage from a fallen tree in many instances. But, it’s important to know when you’re covered and when you’re not. So review your policy with your local insurance agent and ask plenty of questions about when a fallen tree is covered by your insurance and when it isn’t.
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With offices in Danvers & Winthrop Massachusetts, Elliot Whittier Insurance has been awarded the Five Star Award of Distinction from the Massachusetts Association of Insurnace Agents. Elliot Whittier Insurance is also a Trusted Choice Agency and represents multiple insurance companies, so we offer you a variety of personal and business coverage choices and can customize an insurance plan to meet your specialized needs. You can visit Elliot Whittier online at www.elliotwhittier.com , email firstname.lastname@example.org, or call 800-696-3947