A tree falls on my house; who pays? The impressive images of the devastation caused by the tornado that hit Tallahassee last Friday are still fresh in our minds. Huge trees fallen on cars and properties have become the most recurring picture in newspapers and news broadcasts.
Many homeowners wonder: who pays if a tree falls on your house, damaging the entire structure?
Fortunately, this is damage covered by a typical homeowner’s insurance policy. It covers damage caused by a fallen tree and hail from these storms. In the case of the storm that struck Tallahassee, the hailstones were more significant than a baseball.
Despite being covered, you should be cautious about one policy aspect. If the insurer can establish that the reason for the tree falling was not the force of the winds but that the tree was sick or rotten, they won’t pay compensation. They will say it’s due to negligence on the part of the homeowner for not taking care of the tree.
It’s crucial to be proactive in maintaining the vegetation around your house. If there’s any suspicion that a tree may be sick, it’s your responsibility to report it to the city authorities. This not only protects your property but also ensures the safety of your neighborhood.
In a nutshell, with homeowner’s insurance, your house is shielded from the unexpected-be it fallen trees, hail, or any object that might come hurtling from the sky. This comprehensive coverage should provide you with peace of mind. A tree falls on my house; who pays?
Call us today for a comprehensive evaluation! Dial (305) 267-7138. You can also get a free quote here.
