At one time or another, just about every homeowner or someone the homeowner knows has had a tree fall due to wind, a storm or winter weather. The question that everyone wants to know is, “Will my homeowners insurance pay for the damage?”
The answer is that it depends on the terms of your policy. Each homeowner should look at their homeowners policy or talk with a representative from their insurance company to find out what the policy specifically covers and doesn’t cover. Homeowners should also be sure to know what the policy deductible is, and any dollar limits on the amount of damage the policy will cover. Although the terms of your actual policy will determine if the damage you have incurred is covered, generally many homeowners policies will:
Additionally, your local municipality may arrange for debris removal after a major storm that affects a large area. Watch for information in the newspaper or listen to the radio for details. If there is debris removal by a government jurisdiction, you may need to sign a Right of Entry form granting permission to come onto your property and remove the debris. Before the debris is removed, you should photograph all damaged property because your policy will likely require you to prove your loss.
You should review your insurance policy annually to make sure that you have the appropriate coverage. For more information regarding your homeowners insurance policy, read our information about homeowners and renters insurance.
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