Homeowner Advice for Fallen Trees

Homeowner Advice for Fallen Trees

For any homeowner who has trees on their property, there is always a risk that the trees can fall and cause damage. But even if you’re lucky enough to not have a tree come down on your house, you may still be looking for help in getting a fallen tree cleared away and wonder if your insurance policy can assist in the matter.

It’s been an especially cold and harsh winter already in New England and many homeowners are already dealing with debris and tree issues. Here is a run-down of the rules most carriers follow when it comes to tree removal.

What is Covered?

Trees that fall onto covered structures and are stuck there can be claimed with the insurance company. These covered structures can include fences, driveways and your house. While insurance company will pay to drop the tree down from the dwelling it’s resting on and chop it into pieces and remove it, things like stump grinding are not included.

What Constitutes Damage?

Depending on the structure that’s involved, the type of damage that’s occurred will need to be assessed to ensure coverage. If a fence is leaning or a roof’s shingles have become torn due to flying debris or a fallen tree, they are considered damaged.

When Should You Call?

Other than the obvious worse case of a tree falling onto your home and damaging your roof, you may be wondering when to call your issuance company. If you have a tree that’s fallen from the wind in your yard and it’s not on top of a covered dwelling but just laying across your yard, this is not covered. However if that tree did hit a piece of your property on the way down, and is now resting on the yard, you should call to have any possible damage caused checked out for coverage.

Be sure you have the right policy in place to protect your home. Peace of mind is our priority at Petruzelo Insurance. Let us help you make the right choice. Speak to an agent today.

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