When a storm hits, it can leave a trail of destruction, including the daunting scenario of a tree falling on your house. This raises critical questions: Is a tree falling on house covered by insurance? If you live in Pennsylvania and find yourself facing this daunting situation, it’s crucial to understand your homeowner’s insurance policy and what it entails. In this article, we will guide you through the necessary steps to take immediately after a storm causes a tree to fall on your property.
What to Do if a Tree Falls on Your House During a Storm
The immediate aftermath of a storm can be chaotic, especially if it results in a tree falling on your house. Here are the steps you should take to ensure safety and begin the process of filing an insurance claim:
- Ensure Safety: First and foremost, ensure that everyone in the household is safe and account for all family members. Avoid the area where the tree has fallen, as it may have compromised the structural integrity of your home.
- Document the Damage: Once it’s safe, take photographs or videos of the damage from various angles, ensuring you capture the extent of the destruction. This visual evidence is crucial for your insurance claim.
- Prevent Further Damage: Take reasonable steps to prevent additional damage, such as covering broken windows or holes in the roof with a tarp. However, do not attempt major repairs until an adjuster has assessed the damage.
- Contact Alliance Adjustment Group: With expertise in handling storm-related claims, Alliance Adjustment Group can guide you through the insurance process. They’ll help you understand if a tree falling on your house is covered by your insurance and work on your behalf to maximize your claim.
At this point, you may start wondering, “Is tree falling on house covered by insurance?” The answer depends on several factors, including what caused the tree to fall and the specifics of your policy. In the next section, we’ll break it all down.
Is Tree Falling on House Covered by Insurance?
Experiencing a tree falling on your house can be distressing, and understanding your insurance coverage is crucial. In Pennsylvania, standard homeowners insurance policies typically cover damage caused by a tree falling on your house, provided the fall results from a covered peril such as a storm or wind. This means that if a tree damages your home during a storm, your policy will likely cover the repairs.
However, if the tree was dead or diseased and you were aware of its condition but took no action, your insurer might consider this negligence and could deny the claim. Regular maintenance and removal of hazardous trees are essential responsibilities for homeowners.
It’s also important to note that while damage to your home is typically covered, standard policies may not cover the cost of removing the fallen tree unless it causes damage to a covered structure. Reviewing your policy details can provide clarity on what is and isn’t covered.
In summary, whether a tree falling on your house is covered by insurance depends on the circumstances surrounding the incident and the specifics of your policy. Understanding these details can help ensure you’re adequately protected.
Tree Damage from Storm Insurance: Get Help from Alliance Adjustment
Dealing with the aftermath of a fallen tree can be overwhelming. While your insurance should cover storm-related damage, getting the full payout you deserve isn’t always easy. That’s where Alliance Adjustment Group comes in.
As experienced public adjusters, we work for you—not the insurance company. We understand the fine print of homeowners and commercial insurance policies, and we’ll fight to make sure your claim is handled properly and paid fully.
If you’re still asking yourself it the tree falling on your house is covered by insurance, don’t leave the answer up to chance. Let our team review your policy, assess the damage, and handle the claims process from start to finish.
Contact Alliance Adjustment Group today to get expert help with your tree damage claim. We’re here to make sure you get the compensation you deserve!
Disclaimer:
The information provided on this website is for general informational purposes only and does not constitute legal advice.
While we strive to provide accurate and up-to-date information, insurance policies and regulations can vary. It is important to consult with your specific insurance provider or a qualified professional for advice tailored to your individual circumstances.