Serving Western Massachusetts 
   (413) 532-0305             1 Main Street          Holyoke, Ma 01040
Home Page

 

  • Home
  • Get A Quote
    • Annuities
    • Automobile
    • Business & CommercialImage of right arrow
      • Commercial Auto Insurance Quote
      • General Liability Quote Form
      • Business Owners (BOP) Quote Form
      • Workers Compensation Quote
    • HomeownersImage of right arrow
      • Homeowners Insurance Quote
      • Homeowner Flood Quote Form
    • LifeImage of right arrow
      • Life Insurance Quote
      • Term Life Insurance Quote
    • Motorcycle
    • Renters
  • Customer Service
    • AutomobileImage of right arrow
      • Request Declaration and Coverages Page for Auto Policy
      • Send Declaration and Coverages Information to Lien Holder
      • Add Vehicle to Existing Auto Policy
      • Remove Vehicle from Existing Auto Policy
      • Add Driver to Existing Auto Policy
      • Remove Driver from Existing Auto Policy
    • Business & CommercialImage of right arrow
      • Request Declaration and Coverages Page for Commercial Auto Policy
      • Add Vehicle to Existing Commercial Auto Policy
      • Remove Vehicle from Existing Commercial Auto Policy
      • Add Driver to Existing Commercial Auto Policy
      • Remove Driver from Existing Commercial Auto Policy
      • Request General Liability Certificate of Insurance
    • Homeowners
    • MotorcycleImage of right arrow
      • Request Declaration and Coverages Page for Motorcycle Policy
      • Add Motorcycle to Existing Policy
      • Remove Motorcycle from Existing Policy
      • Add Driver to Existing Motorcycle Policy
      • Remove Driver from Existing Motorcycle Policy
    • Other
    • Renters
  • Blog
  • Make a Payment
  • Resources
    • Secure File Area
    • Refer a Friend
    • Important Links
    • Calculators
    • Important Files
    • Free Reports
    • Insurance Glossary
  • About Us
    • About Lawler Insurance Agency
    • Location Map
    • Employee Directory
    • Privacy Policy
  • Contact
    • Contact Us
    • Join Our Newsletter
 

Home > Blog > If a Tree Falls and Hits Your House - Are You Covered?


FRIDAY, JANUARY 27, 2017

If a Tree Falls and Hits Your House - Are You Covered?

If a tree falls and hits your house, are you covered? The short answer is, yes. The coverage is quite straightforward: if a tree hits a home or other insured structure, such as a detached garage, standard homeowners insurance policies provide coverage for the damage the tree does to the structure and the contents in it. This includes trees felled by wind, lightning or hail.
 
It does not matter whether or not you own the tree; if it lands on your home, you can file a claim with your insurance company. After a hurricane or windstorm, trees, shrubs and branches can become projectiles capable of traveling significant distances and can cause considerable damage to property. In most cases, an insurance company is not going to spend time trying to figure out where a tree or other item originally came from.
 
In some situations where the felled tree was located on a neighbor’s property, the policyholder’s insurance company may try to collect from the neighbor’s insurance company in a process called subrogation. This sometimes occurs if the tree was in poor health or not properly maintained. If the insurer is successful, you may be reimbursed for the deductible.
 
If a tree hits an insured structure, such as your house or garage, there is also coverage for the cost of removing the tree, generally up to about $500 to $1,000, depending on the insurer and the type of policy purchased. If the fallen tree did not hit an insured structure, there is generally no coverage for debris removal. However, some insurance companies may pay for the cost of removing the felled tree if it is blocking a driveway or a ramp designed to assist the handicapped.
 
Standard home insurance policies also provide coverage for damage to trees and shrubs due to fire, lightning, explosion, theft, aircraft, vehicles not owned by the resident, vandalism and malicious mischief. Coverage for these disasters is generally limited to up to 5 percent of the amount of insurance on the structure of the house. Generally, most insurers will limit the coverage to about $500 for any one tree, shrub or plant. Trees and plants grown for business purposes require a separate business insurance policy.

Read More: Source

Posted 6:13 PM

Tags: homeowners, insurance
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2017
  • 2016
  • 2015

  • insurance(101)
  • tips(41)
  • life(34)
  • home(28)
  • auto(20)
  • car(17)
  • homeowner(16)
  • safety(11)
  • business(9)
  • claims(8)
  • homeowners(8)
  • house(8)
  • holiday(7)
  • health(6)
  • family(5)
  • policy(5)
  • summer(4)
  • rates(4)
  • winter(3)
  • valentine(3)
  • money(3)
  • commercial(3)
  • accident(3)
  • halloween(3)
  • claim(3)
  • renters(3)
  • dog(3)
  • workers compensation(2)
  • college(2)
  • traffic(2)
  • mistakes(2)
  • crash(2)
  • thanksgiving(2)
  • save(2)
  • spouse(2)
  • value(2)
  • children(2)
  • theft(2)
  • funny(2)
  • saving money(1)
  • annuities(1)
  • labor day(1)
  • new year(1)
  • crime(1)
  • loans(1)
  • texting(1)
  • pets(1)
  • disability(1)
  • customers(1)
  • financial(1)

View Mobile Version
       Get Your Free Quote 
                     Today!!





Refer Referrals
We love referrals! And thank you even more for your continued business.
Policies Blog
Read our latest blogs and stay up to date.
Newsletter Join Our Newsletter
Stay in touch with the latest events, news and offers we have.

Read More Read More Read More
Our Office Connect With Us

Physical:
1 Main St
Holyoke, MA 01040

Mailing:
PO Box: 388
Holyoke, MA 01041

Visit Our Location

Contact Us Today!

PH: 413.532.0305
FX: 413.536.5821

Meet Our Employees
  Facebook Twitter Blog
Your Trusted Broker
  
Home     A Quote     Customer Service     Resources     About Us     Contact  Powered by Insurance Website Builder