A fallen tree can lead to thousands of dollars in damage. It can destroy your shed or fall onto your home, leaving you with a need for a new roof. In some cases, your home insurance in Woodbury, MN will help cover the cost of repairs, but it depends on the situation.
Covered Perils
Many policies have a list of covered perils, such as tornadoes, hurricanes, wind damage, and lightning damage. If the tree falls due to a covered event, your policy will usually help pay for the repairs. Ask an agent at Kriener Insurance to learn more about the covered events listed on your policy.
Leaning Trees Are Often Excluded
One of the most common exceptions is if a tree is already leaning and then falls. Even if the leaning tree gets struck by lightning and falls, the company may deny your claim. This also applies to diseased trees. Normal and preventative maintenance are the homeowner’s responsibility, so the fallen tree may be classified as your fault for neglecting maintenance. Companies assess the entire situation before approving claims.
Which Structures Are Damaged Matters
The structures that are damaged can also determine whether your policy can help. Many policies include coverage for other structures, like a garage or shed. If you don’t have coverage for other structures, your policy won’t cover anything that is not attached to your house.
Whose Property Are The Roots On?
If a tree falls on your home, but most of the tree is on your neighbor’s property, it might not be covered. Policies will typically cover a healthy tree falling from your neighbor’s yard onto your house. However, if the tree was diseased, it may still be considered negligence, resulting in a company denying your claim.
Representatives here at Kriener Insurance will listen to your situation and help you learn if your policy can help. Contact us today for more information. We’re currently serving the Woodbury MN, area.
