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Is Roof Damage from Trees Covered Under Homeowners Insurance?

Nov 23, 2022

Home Insurance

Is Roof Damage from Trees Covered Under Homeowners Insurance?

Lush green trees undoubtedly add to the beauty of your house and enhance the value of the property. However, these beautiful trees can also become a threat to your home. The damage caused by falling trees can be more destructive than you think. It can cost you thousands of dollars.

Usually, standard homeowners insurance provides coverage for structure and roof damages caused by falling trees due to weather-related reasons. You may be denied compensation if the roof damage is from a rotted or poorly maintained tree.

When Can I File for Tree Damage Insurance Claims?

  1. A fallen tree damages your property’s roof and structure

    You can file for an insurance claim if a fallen tree has damaged the roof and structure of your home. The cause of damage should be covered by your homeowners insurance.

  2. A fallen tree from a neighbor’s property damages your structure

    If a tree from your neighbor’s property falls and damages your home, you can file a claim through your own insurance provider.

  3. Removal of debris

    If a tree falls on your structure but doesn’t cause any damage to the covered structures, then in such a situation most homeowners insurance providers don’t provide the cost of debris removal. However, if the tree fell due to causes mentioned in your insurance, then your policy will pay a certain amount to remove the debris.

Will My Insurance Provide Coverage for Tree Removal?

Homeowners insurance provides coverage for the removal of a fallen tree if this is a part of your insurance claim. However, as mentioned above, you won’t be given coverage if there is no damage caused to the structure of your home.

Measures to Safeguard Your Home from Falling Trees

Prevention is always a better option to protect yourself from the processes of an insurance claim. Here are some preventive measures that will safeguard the roof of your home from falling trees.

  1. Strengthen the Home Structure and Roof

    The best way to prevent major damage is to strengthen the roof with impact-resistant building materials. This will minimize the chances of extreme damage.

  2. Cut Down Dead Trees

    Dead trees are a serious threat to your home. Rotten trees can also cause structural damage. So, it is better that you cut down such trees at the earliest.

  3. Maintain your Trees

    Regular maintenance of your trees by a trained arborist will safeguard you from any damage caused by these trees.

Final Takeaway

Falling trees can cause more destruction and damage to your pocket than you even realize. To safeguard your home, get homeowners insurance that will protect you in such a situation.

Consult Humble Insurance Group to Cover Your Home Against Roof Damage

Every homeowners insurance policy is different, so it is important to get the right policy based on your needs. Contact our team at Humble Insurance Group, today to make sure that you are protected with the right homeowners insurance at the best rates.

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