Is Removal of a Tree That Fell on my Roof During a Storm Covered by Homeowner’s Insurance?

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With Hurricane season still in full swing, chances are we will get hit with at least another bad storm this year. It is important to know if your homeowner’s insurance covers issues like these. If a tree falls onto your roof during a storm, your homeowner’s insurance policy WILL cover the repair of your roof as well as some, if not all, of the cost of tree removal. However, had the tree not hit your roof, your insurance may not cover any of the tree removal charges. In this post, Gregg S. Marcus, a Long Island Insurance Executive, explains what steps to take after a tree falls on your home’s roof during a storm.

ROOF DAMAGE
The first thing you need to do is contact the insurance company to report the damage. You should do this right away! Many insurance providers have 24/7 claims hotlines; so don’t hesitate to call them at any hour to let them know about any storm damage. The insurance company will want to send an adjuster out to your property to conduct an inspection, but you should also keep a record of the damage by taking pictures and/or videotaping the relevant area of your home. While you are waiting for the adjuster to arrive to assess the damage, make sure your home is secure and not susceptible to further damage. If the damage is so bad that you need to evacuate your home to keep you and your family safe, let the insurance representative know so they are aware. Your homeowner’s insurance may have coverage that will reimburse you for meals and accommodations until it is safe to come back to your home.

TREE REMOVAL
Removing the tree is a completely separate matter. As long as it damaged your home, your homeowner’s insurance policy will cover the cost of removing the tree and disposing of it off the property. The policy will pay out up to a set limit for this service, and you would be responsible for any extra costs incurred. If some of the tree blocks access to your property, you may also be covered for the cost of removing it. Any damage caused to your lawn, other trees or existing plants will probably not be covered, since the loss can be traced to wind damage, which is different than damage caused by a fire or an act of vandalism. If you are unsure of what will be covered, you can make a claim for all of the damage from the storm and let them get back to you.

REPAIR ESTIMATES
The next step is to get written cost estimates for the repairs. Contact a few local contractors and ask them to inspect the damage to your home. This may help to get your claim pushed through faster, since the insurance company isn’t required to make these arrangements. As a homeowner, you may feel better dealing with the contractor of your choice as well. Once you receive the estimates, you can submit your pictures and/or video record, along with copies of the estimates, to the insurance company.

Having a tree fall on your roof during a storm and dealing with your insurance company can be stressful. If you aren’t happy with the level of service you are getting from your insurer, it may be time to move on. Contact Gregg S. Marcus today  for a quote on Homeowner’s insurance before the next big storm hits!

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