In August, the Timonium area experienced a storm of “tornado” proportion with many damaging effects. We know that falling trees and branches are hallmarks of strong storms and high winds. What does your homeowners insurance cover when a tree falls on your property?
If a tree falls on your “covered property,” your insurer will generally pay to remove the tree from the property. Debris clean-up, however, may not be included in that coverage. For example, if a tree falls on a fence, the fence is considered covered property so insurance will pay to have it removed from the fence but removal of the remaining tree debris from the yard may not be included. Additional coverage for debris removal may be added through some insurers.
If a tree falls on your yard but does not hit anything other than the ground, insurance will not cover clean-up and/or removal of the tree because land is not considered covered property.
Although the damage to your home, its contents, and any “other structures” on your property, caused by a downed tree, is generally covered by homeowners insurance, you are still responsible for paying any applicable deductible. Keep in mind that policy limits on the amount covered for tree removal may exist, generally between $500 – $1,000.
It’s a good idea to understand what is, and is not, covered by your homeowners policy before the unexpected happens. The current “Hurricane Season” runs from June 1 through November 30. We are happy to discuss your individual coverage, give us a call at (410) 377-2111. In addition, we always suggest you contact our office first, when possible, before making a claim.