As a homeowner, confidence in your security is imperative. In order to receive this peace of mind, you must understand your homeowners’ insurance policy in its entirety. Many homeowners have no idea whether fallen trees are covered under their homeowners’ insurance policy or not. However, our neighborhoods’ tall trees make this an extremely relevant concern for many.
In most cases, you will not experience difficulty filing a claim for fallen trees under your homeowners’ insurance policy. Typically, insurance companies will not be too concerned with the logistics surrounding the incident, as long as the tree fell as a result of wind, hail, or lightning. Additionally, most insurance companies will not care if you own the tree or not, only if it landed on your home. If the tree is clearly owned by your neighbor, they may initiate a process called subrogation, which involves requesting reimbursement from your neighbor’s insurance company for the incident. This typically occurs if the homeowner failed to properly maintain their tree. If this claim is ruled in your favor, your paid deductible will likely be returned to you.
Through your homeowners’ insurance policy, you will receive coverage for removing the tree from any insured structures. This amount will range from $500 to $1,000, depending on your particular policy. However, if the tree lands on an uninsured structure, you will not receive this coverage unless the tree is blocking a driveway or handicap ramp.
In order to receive ultimate peace of mind that your home would be protected if a tree fell, you must confirm coverage with your homeowners’ insurance carrier.
Contact Purves & Associates Insurance Services for all of your California homeowners’ insurance needs. We will customize a unique homeowners insurance policy that maximizes security for your most valuable assets.
George Purves – Founder
George grew up in Hollister, California. He was a veteran of the U.S. Army, received a Bachelor Degree in Economics at Chico State University, and did graduate studies of Economics at Fresno State. George began his insurance career with the Insurance Company of North America (INA) in their Marketing Department. George left the company to enter the Agency business with John Brinley in 1972 in Davis. He served as President of both the Yolo County and Sacramento County Independent Insurance Agency Brokers Associations and on the California Board of Directors of the Independent Insurance Agents and Brokers Association. George was voted the “Outstanding Insurance Professional’ by his fellow Northern California Insurance Brokers in 1994 and still serves on the prestigious study group, “McAllps Forum of Insurance Issues”. Until the end of his life, George enjoyed playing golf with his sons and beating them like a drum.
George and his sweetheart Marsha were married for over 50 years. Marsha passed away in 2018 and George in 2019, both from pancreatic cancer. You can read their obituaries here and here. We invite you to donate to the Lustgarten Foundation for Pancreatic Cancer Research by going here.