In an instant, trees on your property can transform from beautiful set fixtures of your lawn to costly headaches. Luckily, homeowners insurance policies usually cover tree damage to your property as long as the tree was knocked over by a covered peril.
Covered peril commonly refers to trees that have been knocked over by:
- high winds
- storms
- hurricanes
- hail storms
- lightning strikes or fires
These forms of damage are intentionally classified under “sudden or accidental” as they protect the insurance company from covering damages sustained by a tree that was rotted or diseased, or tree roots that grow beneath the home and disrupt the foundation. In these cases, insurers will contend that the homeowner could have prevented the damage by being less negligent.
If you feel that your insurance company is treating you unfairly in regards to a tree damage incident, let us help.