My Neighbor’s Tree Has Fallen On My Home – Now What?

My Neighbor's Tree Has Fallen On My Home - Now What?Handling A Fallen Tree Claim With Ease

If you are one of the many New York residents whose home is surrounded by beautiful trees, it is important that you take a moment to consider what would happen if one of them were to sway the wrong way and land on your property. As a homeowner, you have a responsibility to understand what is covered under your policy and what is excluded.

Generally, you are responsible for anything that occurs on your property, including fallen trees. If your neighbor’s tree falls on your house or another structure on your property, your homeowners’ insurance policy would cover the cost of both removing the portion of the tree on your property and repairing any associated damage, after your deductible.

If your tree falls on your neighbor’s fence or house, your neighbor’s insurance policy covers removing the portion of the tree on their property.

Some companies provide a small amount of coverage to remove trees that do not hit a structure.

When filing a claim for a fallen tree, it is important that you take photo evidence of the incident. Your claims adjuster will make a trip to your house to see the damage and explain to you how your homeowners’ insurance will apply. It is important that you check with your Independent Insurance Agent to see if an adjuster needs to see the tree before you remove it.  When the tree makes your home inhabitable or is exposing the house to additional damage, you can usually remove it immediately and take steps to protect your home from further damage.

Please do not hesitate to give us a call if a tree has fallen on your home. We will guide you through the claims process. Contact Allan Block Insurance Agency located in Tarrytown, Westchester County, NY and serving clients across the country for all of your homeowners’ insurance needs.