If a Tree Falls... Who Should File a Claim?
A Tree on your property damages your house
Your homeowner's policy should cover the cost to remove the tree and repairing the damage to your house.
A Tree blows over in a storm and damages your car in the driveway
If you have comprehensive coverage on your car insurance policy, it should cover the damage to your vehicle minus your deductible.
A tree on your property falls and damages your neighbor's house or car
Your neighbor should file a claim under their home or auto insurance policy.
A neighbor's tree falls on your property and damages your house
You should file a claim with your home insurance carrier. They should pay for the damages and reimburse you up to a certain amount (typically around $500) for the cost of removing the tree
A tree falls on your property, causing no damage to anything
Your insurance will most likely not pay for the removal of the tree.
*The content contained in this blog is for informational purposes only. It should not be considered insurance advice since every client's needs and circumstances are different.. Bergen Insurance Group, LLC makes no representation as to accuracy, completeness, currentness, suitability, or validity of any information on this site and will not be liable for any errors, omissions, or delays in this information or any losses, injuries, or damages arising from its display or use. All statements represent the sole opinion of the author and is provided on an as-is basis. For an actual description of all coverages, terms and conditions, refer to your insurance policy.