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Deductibles often run into thousands of dollars, depending on the policy you purchased. A tree fell onto a car at the intersection of US-41 and Laurel Oak Drive in North Naples on Sunday afternoon. Meanwhile, another man was rushed to a hospital after the Trinity County Office of Emergency Services said a tree fell his house. 7News spoke with the owner of the van after the tree fell on his vehicle.
Q: Who is responsible if a tree falls?
However, if the tree was already dead or decaying and your neighbor is at fault, their insurance company should be responsible for the costs. If a neighbor's tree falls in your yard due to a covered peril, the damages sustained to your home, property and/or surrounding structures may be covered by their homeowners insurance. But if a tree falls without damaging anything, removing the fallen tree becomes your responsibility, even if the tree was clearly dead or rotting. You can ask your neighbor to split the cost of removal, but if they're unwilling, the cost ultimately may fall on you.
How to Survive a Tree Falling on Your House
It is essential to place a tarp over any openings to prevent the water from seeping into your house. Secure the tarp with heavy-duty tape and any loose bricks so that it doesn’t fly away. Leave the roof to a professional contractor and only cover the holes you can safely reach. If the fallen tree is still on your property, you’ll need to hire a professional tree removal service to safely remove it.
Why It’s a Really Bad Idea to Hire an Unlicensed Tree Trimmer
If an “act of nature”—such as thunderstorms, ice storms, and high winds—caused the tree to fall on the house, in most cases, your policy will cover the repair expenses, minus your deductible. Your policy will pay even if the fallen tree belongs to a neighbor or a municipality in an “act of nature” situation. Your claim might be denied, however, if you caused the tree to fall through reckless action, such as attempting to cut it down without professional assistance.
Does homeowners insurance cover fallen trees?
Many homeowners get specific policies that cover any damage caused by a fallen tree, so it is always wise to advise your insurance company. Experiencing a tree fall on your house can be a traumatic and overwhelming experience, but knowing what to do in the aftermath can help you navigate the situation more effectively. Additionally, by implementing preventive measures to protect against future tree damage, you can help safeguard your property and ensure the safety of your family for years to come. In order for the damage to be covered, the cause of the tree falling must be due to a covered peril.
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That means you don’t have to worry about paying for expensive repairs. There’s a comfy high bed, a kitchen with a small stove and refrigerator, a full bathroom with a shower and toilet, and a gas stove for heating, along with a TV and DVD player. There’s also a 103-degree hot tub on the premises for late-night or early-morning soaks.
If you have damage to your home from a fallen tree, the process of removing the tree might seem pretty daunting. Dealing with insurance companies and arborists for removal is an intimidating prospect when you’re likely without power—and without a place to stay. But there are some things to keep in mind when dealing with a fallen tree so you’re sure to get the best possible outcome for your family and home—not to mention your wallet.
Look out over all the greenery from the huge floor-to-ceiling windows which line the uber-modern kitchen and minimalist living room with chrome, glass and leather furnishings. There’s also a sumptuous rainfall shower that looks out on the shrubbery from a huge window. The real treat here, however, is the wrap-around deck surrounded by foliage and with outdoor seating and space to lie out or practice yoga. Plus, you’re right by plenty of beautiful beaches and hiking trails for exploring. So why not reconnect with nature in one of these awesome treehouses near L.A.
No, insurance won’t help you remove a tree that could potentially damage your home or someone else's. Regular yard maintenance, including tree pruning and health check-ups, is part of the general upkeep of your property and is your assumed responsibility. In the event a dangerous tree causes damage, your homeowners insurance could deny your claim due to negligence. Unfortunately, your claims activities will follow you from one insurance company to another. This is because insurance companies have access to something called the Comprehensive Loss Underwriting Exchange, or CLUE.
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Downed trees can cause significant damage if they’re big enough, including breaking windows, putting holes in roofs, and collapsing buildings or walls. Take care dealing with damaged structures, but do your best to cover the holes, at least temporarily, where possible. If a tree is on a roof, don’t go up there to tarp—wait for a pro with safety equipment.
Our dedicated team of experienced professionals takes the time to listen to our customer’s needs. Then, provide valuable advice about the policies that will fit their unique lifestyle. Root damage is another thing that can lead trees to become hazardous. If there has been recent construction on or near your property, it’s possible that your tree’s roots were damaged in the process. Wilting, thinning foliage, dead branches, undersized leaves, and limited growth are all signs that the roots of the trees might be damaged.
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