A fallen tree, also known as a peril in insurance terms, may be covered by your policy. If the tree fell because of extremely high winds, heavy rainfall or other stormy weather that is common in South Florida, your homeowner’s insurance will most likely cover the cost of any damages caused to your home, shed or garage. However, if your insurance can prove that the tree fell because of negligent maintenance, you won’t be covered.
Typically, debris cleanup caused by a fallen tree is typically not covered by your insurance, especially if it didn’t cause any structural damage.
If your neighbor’s tree falls on your property, their policy should be responsible for caring for the repair costs. When in doubt, contact your own insurance agent to get the full details of what kind of tree damage repair is covered under your own specific policy.
Strong, healthy trees have less risk of falling during a storm. Unhealthy trees generally show some of these signs and symptoms:
● Look for large, visible cracks in the tree’s trunks and branches.
● Be aware of potential rotting and look for things like fungus or mold on the bark of the tree.
● Trees and branches that are leaning at a sharp angle are at risk of toppling over or at risk for branches breaking off.
● Older trees or hollowed out sections of your tree should be assessed by a local arborist to determine if it should be removed.
Once you’ve discovered that a tree near your home is damaged, rotting or old, it’s essential that you take the proper steps to correct the problem before it affects your home. The following steps can keep your tree in good condition:
If your home has been affected by a fallen tree, contact your insurance agent immediately to begin the claims process. Then, take videos and photographs of the damage to help your claim. If you need help cleaning up the damage, contact ServiceMaster by Glenn’s. We have the proper tools and expertise to get your home back to normal as fast as possible.