Serving Western Massachusetts
(413) 532-0305 1 Main Street Holyoke, Ma 01040
Home
Get A Quote
Annuities
Automobile
Business & Commercial
Commercial Auto Insurance Quote
General Liability Quote Form
Business Owners (BOP) Quote Form
Workers Compensation Quote
Homeowners
Homeowners Insurance Quote
Homeowner Flood Quote Form
Life
Life Insurance Quote
Term Life Insurance Quote
Motorcycle
Renters
Customer Service
Automobile
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 & Commercial
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
Motorcycle
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
Name
Required
E-Mail
Required (Not Displayed)
Comment
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)
Get Your Free Quote
Today!!
Referrals
We love referrals! And thank you even more for your continued business.
Blog
Read our latest blogs and stay up to date.
Join Our Newsletter
Stay in touch with the latest events, news and offers we have.
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
Your Trusted Broker
Home
A Quote
Customer Service
Resources
About Us
Contact
Powered by
Insurance Website Builder