Tree Storm Damage FAQs

Important terms to know and understand when working with your homeowner's insurance policy would be Indemnification, A Loss, A Peril Coverage A, Coverage B, Coverages, Debris Hauling, and Policy Owner's Duties after Loss.

It is important to understand the difference between removing a tree from a property vs removing or lifting a tree off the structure. Be sure to read all the details of your homeowner's coverage.

Each situation has unique circumstances. The first priority should always be to ensure all occupants of the property are safe. Most circumstances require a fallen tree to be removed quickly, and the area is deemed safe for the homeowners and workers. It is important to examine your policy carefully while maintaining safety for all. As a homeowner, your policy should not require you get permission before removing a fallen tree from your home or property. Documenting through photos or videos and saving all receipts are strongly recommended.

No policy would require estimates to be obtained during extreme circumstances involving storms, downed trees, and power lines resulting in unsafe structures as well as danger for the home's occupants. It is advisable to understand the details of your homeowner's policy when signing up for a homeowner's policy. Take a look at the following article for good information about common misconceptions about insurance coverage for trees on homes.