Home Owners insurance and Trees - You Love Them Your insurance business Hates Them

Car Insurance Home Insurance - Home Owners insurance and Trees - You Love Them Your insurance business Hates Them

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Coverage for damage caused by trees and for the trees themselves is one of many confusing areas of a Homeowners guarnatee policy.

What I said. It just isn't the actual final outcome that the actual about Car Insurance Home Insurance. You read this article for facts about anyone want to know is Car Insurance Home Insurance.

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Your neighbors' tree falls and damages your garage, shed and fence.
Will guarnatee pay for the damage?
Whose guarnatee should pay?
What will they pay for?

A tree falls in your yard.
Will your guarnatee policy pay for it to be removed?
Will it pay for a new tree?

A tree limb breaks from wind or a lightning storm and is dangling over your house.
Will your guarnatee policy pay for it to be removed?
What if it's hanging over a neighbor's house?

A tree falls on your car.
What policy will cover the damage to my car?
Is there coverage for the tree removal?

First, the basics; it does not matter whose tree it was. If there is damage to your property (from anyone's tree) your guarnatee policy is the one to respond. If there is damage from your tree to a neighbor's property, their guarnatee policy is involved. If there is damage to both properties (from anyone's tree) both policies will be complicated and each will deal with its own property only.

The only time a Homeowners guarnatee policy should be complicated with damage to man else's property is if there is liability involved. That is if the tree was rotten or leaning and should have been removed or trimmed prior to the damage occurring. Even then the damaged properties guarnatee policy will ordinarily pay for their customer's damage and then try to recover their money from the tree owners' guarnatee company.

Second, the foremost observation for coverage is; what is physically damaged. If a tree, or measure of a tree, falls and does not damage any real property there is no coverage. Real property is any building, buildings or contents item it does not include land, landscaping or plants of any kind. A fence, shed, patio, driveway, swing set or bicycle would count as real property.

If a tree falls into your yard and does not cause any damage to the home or any other real property then there is no coverage to take off the tree or for any cleanup. Sorry!

If there is damage to anyone such as a fence then the policy should cover repairs or exchange of the damaged item(s) and also little coverage for removal of the tree. To make this even more confusing; the tree removal coverage is divided in 2 phases.

Phase 1: Getting the tree removed off of the real property is covered with no sub-limit. That is if a tree is on a warehouse shed then the first stage of tree removal is to take off it off the shed so repairs can be made. The only limit for this part of the removal is the coverage limit on this section of your policy; in this case the Other Structures coverage.

If the repairs to the shed and the tree removal combined are greater than the coverage ready then there is an further coverage ready for debris removal. This is 5% in most cases, so if you have ,000 coverage on Other Structures you can have up to ,500 for the repairs and tree removal cost.

Phase 2: The second stage of tree removal is removing the tree debris off the premises. This measure is little to 0 or ,000, this limit can vary by guarnatee company, policy type and state involved.

Third, the tree itself is covered in obvious little circumstances and for a little amount only. The tree is not covered for wind or hail damage but is covered for damage from fire, lightning, explosion, vandalism and car damage (as long as it was not a car driven by members of your family). The limit is typically 0 per tree but can be more on some policies and in some states.

Fourth, If a damaged tree is leaning toward your home or dangling precipitously over your home what is covered? Assuming that measure of the tree has not damaged real property then there is No coverage. Even if another tree or measure of the same tree has caused damage.

It is your accountability to safe your property. The guarnatee policy only covers damage, Not inherent damage. The same is true if one of your trees is dangling over man else's property, no coverage for inherent damage.

If you ignore the situation and the tree later falls and causes damage to the neighbor's home their guarnatee will cover their damage. They will then want to recover their money from your guarnatee company, or you. This is called subrogation.

If the later damage occurs to your home your guarnatee company could try to deny coverage because you did not safe the property.

The Homeowners guarnatee policy covers sudden and accidental damage it is not a maintenance policy.

Finally, damage to any automobile will only be covered on the auto policy (then only if you have unabridged coverage). The tree removal will not be covered by your Homeowners policy unless other real property was damaged.

See our websites mentioned below for more information. You can send direct questions or read what other homeowners have asked.

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