Imagine it’s late and you’ve just laid down into bed. A summer storm rages outside, and wind is blowing down your chimney. You feel safe and cozy inside your nice, warm home.
That is until you hear a spine splitting crack following by a crash. Alerted, your jump out of bed to find the source of the disturbance, only to find out what deep down you knew all along: a tree has collapsed onto your property.
Hopefully you will never have to deal with a real-life occurrence like this. But if you do, that’s what insurance is for. More than likely the fallen tree will be covered by your homeowner’s insurance. Still, you may have some questions surrounding the event.
Q: If a tree falls on my property, will it be covered by my homeowners insurance in Michigan?
A: It depends, but the answer is almost always yes if the occurrence was accidental in nature. This means that there was no negligence on your part, and that the tree fell due to wind and storm damage. Damage that could be prevented by normal maintenance will not be covered.
So, ask yourself what caused the tree to fall. Was it otherwise a healthy tree that just got on the wrong side of Mother Nature’s Wrath or was it a rotten tree just waiting to collapse under its own weight?
Q: What if the tree doesn’t damage anything?
A: If your home doesn’t need any repairs, then your homeowners insurance policy typically will reimburse your for just the tree. As a result, if you need the tree removed, you will have to do it yourself, or hire a storm cleanup company in Michigan.
Q: What if my neighbor’s tree falls on my property?
A: If the reason the tree fell was accidental, such as the tree falling as a result of storm damage, it does not matter whose tree hits your house. Your insurance would still cover the damage dealt to your home. The same thing goes for when your tree falls onto your neighbor’s property.
Q: What happens if a tree on my property falls onto the street?
A: This depends on the locality in which you reside. Most local governments cover the costs of removing debris from the street. However, in some cases they will not pay for storm cleanup, especially if the debris is on your property.
Q: What if my tree falls onto my garden and kills my plants, will my insurance cover these costs?
A: Unfortunately, most homeowner’s policies do not include landscaping and gardens damaged by a storm or fallen tree unless there is building to the structure itself.
Dealing with major storm damage to your house is never easy, but if your house has been damaged by wind or storm, then your homeowners insurance can get you on the right track to getting your home back in top shape.
CALL 888-442-2766 for help with your Michigan Restoration needs
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