When the unexpected happens, it’s important to be prepared. This is true in cases where your trees are severely damaged, whether from strong winds, extreme storms, or other causes. When you’re facing a downed tree, you need to know what to do next, and you should understand the role of your homeowner’s insurance in these emergencies.
In this article, we’ll walk you through when your insurance will cover your tree removal. Then, we’ll guide you through simple steps to ensure that you can get quick and efficient tree removal services, so you can defend your property. Our team at QDS TreeWorx is also happy to take your call if you have any other questions or concerns. Let’s get started.
What Factors Influence Your Tree Removal Insurance Claim?
When you need to file an insurance claim for your tree removal, it’s crucial to understand what influences will determine whether or not your tree removal will be covered by insurance. From the damages caused to the condition of the tree prior to removal, there are many situations where your services will and will not be covered. Learn more about the factors that influence tree removal insurance coverage below.
The Damage Caused
Firstly, your insurance will need to know what damages your tree caused to your property. In most cases, your tree has to have damaged an insured structure on your property in order to be covered. Insured structures can include your car, roof, garage, shed, and more. It’s important to check what is covered in your policy, so you know which structures are insured and which ones are not.
The Location of the Fall
The location of the tree is essential to your tree removal insurance claim. If the tree simply fell in your yard, you may not receive compensation. However, if your tree fell on your home or is blocking access to your home, such as your driveway or accessible ramp, you may receive coverage for your tree removal. In addition, if the tree fell somewhere outside of your property, such as the road or your neighbor’s yard, this may also influence insurance coverage.
Any Known Risk Factors
If your tree was damaged previously, whether from a storm, disease, or another concern, you may not receive coverage for your tree removal. If you knew the tree was damaged and you did not remove it before it fell, your insurance may determine that you have neglected the tree, and you may be responsible for the tree removal.
The Condition of the Tree
In many cases, trees fall due to severe storms or unexpected circumstances. If your tree was in perfect condition before it fell, or if you were unaware of any risk factors, then your tree removal may be covered. An inspection of the tree will help determine if it was healthy prior to the fall.
How to Deal With Your Storm Damaged Tree
When you’re dealing with an emergency, it’s important to act quickly. Whether the tree fell on your home or a different structure on your property, you’ll need to take care of your property as soon as you can. We’ve included 4 easy steps to addressing your tree damage, so you know exactly what to do if you find yourself in an urgent situation. Learn more about how to handle a fallen tree below.
1. Stay Safe & Stay Away
First and foremost, tree damage can be extremely dangerous. It’s crucial that you stay safe and stay clear of the damage. You should consider staying with a family member or friend to prevent any injuries. Once you and your family are safe from the tree, you can begin to get started with your tree removal insurance claim process.
2. Call Your Trusted Tree Company
The next step in the process is to contact your local tree company. They’ll be out to your property right away to help you assess the damage and help you determine next steps. You should never try to handle a tree concern by yourself, as DIY tree removal can end in serious injury or further damage to your property.
3. Get Insurance Claim Assistance
Next, you’ll want to get help filing your insurance claim. Many tree companies, such as our team at QDS TreeWorx, offer tree removal insurance claim assistance, so you don’t have to go through this process alone. Our team will guide you through the entire process, so you can rest easily. We’ll work with your insurance and keep you informed at every step.
4. Book Your Tree Removal
It is crucial that your tree damage is addressed quickly and efficiently. So, you’ll need to book your tree removal quickly. In urgent situations, your tree has to be removed as soon as possible, sometimes even before your claim has been processed. In these cases, your insurance will provide compensation if your removal was covered.
What if My Neighbor’s Tree Fell on My Property?
In most cases, the responsibility of the tree will fall to whomever owns the tree (as in, whose property the tree trunk was on before the fall). While homeowners insurance may compensate for tree removal if a neighbor’s tree falls on an insured structure on your property, this dispute will often be resolved through your insurance providers. You can file your insurance claim and contact your neighbor’s insurance for compensation to ensure that you won’t have to worry about your tree removal.
Need Insurance Claim Assistance? Call QDS TreeWorx Today!
Are you dealing with a fallen tree on your property? Do you need assistance with your insurance claim? When you need help with your tree concerns, QDS TreeWorx is here to help! We’ll ensure a timely and effective tree removal, so you can rest easily. Our team always begins with a free estimate, so we know what you need, and you know what to expect. We also offer insurance claim assistance, so we can make sure you have everything you need to protect your property. We’ll guide you through every step of the process, so you’re never left in the dark.
Place your trust in our dedicated team at QDS TreeWorx to begin your FREE estimate and inspection of your trees.
