Most homeowners never think that something catastrophic will happen to their home, but they still obtain homeowners’ insurance just in case something does. One event that might occur is a tree falling on the home, which may be the result of a severe storm.
If a tree falls on your home, you have to put safety first. Ensure everyone is safe and leave the house, especially if there’s a risk of collapse or any damage to the electrical components. You may need to contact the utility company so they can secure the damage.
Insurance company role
You’ll also have to contact your homeowners insurance provider as soon as possible. Most policies cover damage caused by fallen trees, especially if the fall was due to a storm, wind or other covered event. Your insurer will walk you through the claims process, but you’ll want to take photos of the damage right away and avoid making any permanent repairs until the adjuster has seen the property.
Once you file a claim, the insurance company should send an adjuster to assess the damage. Be sure to keep all receipts related to temporary repairs, such as boarding up broken windows or hiring an emergency tree removal service. These may be reimbursable.
Delayed or undervalued claims
In some cases, homeowners find that their insurance coverage doesn’t fully address the damage, or that the claim is delayed or undervalued. If you believe your insurer isn’t honoring your policy or is acting in bad faith, you have options.
Start by reviewing your policy closely and documenting all communication. Obtaining the assistance of someone familiar with insurance disputes may be beneficial in these cases.