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Home Insurance | Will Homeowners Insurance Cover Tree Damage? - YouTube
Channel: ALLCHOICE Insurance
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if a tree falls in the woods there's no
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one around to hear it
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does it make a sound well
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while that question has no bearing
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on your life the question about trees
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and
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insurance does and that's what we're
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going to look at on
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today's video
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hey folks jack wingate here and on this
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channel we help individuals
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families and businesses save money on
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their insurance
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help you understand insurance a little
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bit better and let you know what's going
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on
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in the insurance industry and today
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is a great topic for me because it is a
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question
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that we get all of the time
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and it's simple what happens
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if a tree falls on my property
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or what happens if my tree falls on my
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neighbor's property
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whose insurance pays who's at fault
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we get this question all of the time so
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today we're going to discuss
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a few different things that take place
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so you can have a little peace of mind
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all right so to begin with we're going
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to look at how
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the homeowners policy specifically the
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ho3 and the he7
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deal with tree removal
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when it is caused by a covered cause of
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loss
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now the thing to remember is this it has
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to
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damage covered property so your house
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an outbuilding a shed whatever
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or it has to block your
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driveway your means of egress
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of getting an aggro property or it
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um causes you to not be able to go up
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a handicap ramp so if you had a handicap
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ramp on
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your property to get into your house if
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the tree falls and is blocking or
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obstructing that
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it'll pay there too so what does it pay
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well on the h03
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if the situation occurs again a tree
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falls whether it's your neighbors
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whether it's yours
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hits your property the insurance policy
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is going to pay to have the tree removed
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if it hits the property or blocks
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driveway
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or or handicap ramp hr3 pays up to a
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thousand dollars total
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with a 500 per tree limit
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the he7 doubles that amount pays
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up to two thousand dollars total with
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one thousand dollars per limit so
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you do have coverage on your homeowner's
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policy for tree removal
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if it hits it meets that certain
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criteria all right
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so now that we have covered what your
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policy is going to pick up on the tree
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removal
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in those circumstances let's talk about
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the real uh
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question at hand so let's say that
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my neighbor has a tree
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on their property
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that tree falls and just
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falls right in the center of my house
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whose insurance is going to pay
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well there are two different um
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scenarios and two different outcomes for
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this so
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again not every situation is going to
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you know
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just lend itself to this clear cut but
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in general terms here
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are the things that happen so scenario
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one
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the tree falls damage is my property
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it was a good tree there was a wind
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storm you know we never suspected that
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the tree was going to fall
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maybe we thought it might but we never
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notified our neighbor
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that you know we felt that the tree was
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you know had a
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potential of damaging or you know
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damaging our property
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so in that situation although it's not
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your fault
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your home insurance is going to pick up
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the damages there
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so your home insurance policy subject to
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you know your deductible so
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you pay for the deductible deductible
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part and then your insurance is going to
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pay
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the rest of the damages so having said
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that
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your your insurance is going to pay the
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entirety of it
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we've already discussed how you know the
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limits when it comes to tree removal but
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the actual damage that's done to your
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property
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will be picked up by your home insurance
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even though
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the tree was on your neighbor's property
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so you might be thinking well that's not
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right
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it's not my tree how can i you know
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if it was my tree i would have cut it
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down already so it didn't hit my house
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well
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maybe that's the case but the second
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scenario comes up like this
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same situation neighbor's tree
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falls on my house doing damage but this
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time
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you know over the years you'd seen the
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tree deteriorate
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you're like ah you know this tree thing
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could fall on my house
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and you notify your neighbor
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that you fear that that tree is
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could could cause harm to your property
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now when i say notify it's not good
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enough just to go over and mention it to
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them
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we suggest sending a certified letter
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to your neighbor that you fear
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that their tree causes an imminent
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danger to your property
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you know people honestly are probably a
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little hesitant if you
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have a good relationship with the
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neighbor and sometimes
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won't do that but trust me
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you'll be glad that you did when that
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tree actually falls on your house
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because instead of you getting deemed
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for having to you know file a claim
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you know you having to eat the
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deductible this time it's going to fall
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on
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your neighbor's liability component of
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their homeowners policy so make sure
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that you notify your neighbor
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in writing certified letter
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and that way their insurance pays not
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yours
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and you're safe to keep moving on so
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as a personal note here if you do have a
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good relationship with your neighbor
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don't just hit them with a certified
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letter have a conversation with them see
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first if they'll go ahead and take the
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tree down i've even had people say well
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you know i'll help them
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pay for having the tree taken down if
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that means that much
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but you know regardless have a
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conversation first and let them know hey
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look my insurance provider the bad bad
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insurance agent
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told me to do this you can use us we
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don't care
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but let them know hey my insurance agent
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told me i need to provide you with a
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certified letter
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just for insurance purposes in case
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something ever happens
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so that's how those tree situations
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typically play out
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and again we get the question all the
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time i actually had it a week ago and in
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times where there's storming or a lot of
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snow this situation comes up it's never
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fun when a tree falls and does a ton of
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damage
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and then you're like well whose
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insurance is going to pay
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well now you've got the information so
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hopefully you can
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act accordingly hey folks i hope this
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has been helpful
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and until next time we'll see
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