Springtime March through Junewere filled with storms,hurricanes,windstorms,and severe thunderstorms here in Montgomery County.These violent meteorological phenomena are accountable forfalling trees and limbs cause millions of dollars in damagedroofs, outdoor structures,damagedhomes, and other property every year.
Even after the storms, you must also deal with the tremendous task of cleaning up thedamage and figuring out how to putthingsback together. It’s physicallyexhausting, emotionallydraining,andstressfulwhenyou track down that it’s your neighbor’s tree that falls and hitsyourhome.Nowwhat?Isyourneighbor’s insurance companyresponsible to pay for the damages to yourhome? Orwill yourhomeowners’insurancepolicycoverthedamage?
A standard Homeowner Insurancepolicy can help youcovers the cost of removing the tree and coversdamagecaused by a fallen tree if the cause of loss (peril) such as storms, winds, and hails.
Regardless of whoactually ownsthe tree, when your home or property damage, you are accountable for theclean-up,damages, andcontactingyour insurance company to checkwhat type of coverage is available and covered.The same thing for your neighbors, if your tree falls on their property, your neighborisresponsible for the damage and should contact their insurance companyas well if there’s coverage for any damage sustained.Thebottom line is yourproperty,your policy, and their property, their policy.Remember, storms, hurricanes, windstorms, severe weather, and hails are natural disasters and aren’t anyone’s fault.As always, an important reminderthat every insurance policy is different.
Here’s the thing. When a tree falls and hits your home or property due to natural disasters such as storms, hurricanes, windstorms, severe weather, and hails. The best thing to do:
Keep yourself and your loved ones safe.
Take photos or videos and documentwhat happened.
Always check your homeowner declaration policyand take time to know your coverage.
The next step is easy to reach out and ask yourinsurance advisorfor anoption for the deductible.
Call Klinger Insurance Group at 301-428-4935.
For more information abouthomeowners’insurance policy, contact Klinger Insurance Group at 301-428-4935or shoot us an email at email@example.com and we’re happy to assist you!