Quick Answer
Tree Damage Insurance Coverage includes damage to the structure of the home, damage to personal property, and liability coverage for injuries or damages to other people. Coverage typically starts with a $1,000 deductible and may include coverage for temporary living expenses while the home is being repaired. This coverage may also include costs associated with emergency shelter.
Understanding Your Policy
Before filing a claim, carefully review your policy to understand the specifics of your coverage. Check the policy’s definition of “tree damage” to ensure it includes damage caused by fallen trees. Some policies may also require that you take steps to mitigate the damage, such as removing the fallen tree.
Assessing Structural Damage
After a tree falls on your home, it’s essential to conduct a thorough structural assessment to determine the extent of the damage. Hire a licensed contractor or structural engineer to inspect the damage and provide a written report. This report will help support your insurance claim and ensure that any necessary repairs are completed safely and effectively. For example, a fallen tree can cause significant damage to a roof, requiring replacement or repairs to the roof’s trusses, rafters, and sheathing.
Emergency Shelter and Living Expenses
If the damage caused by the fallen tree makes your home uninhabitable, your policy may cover temporary living expenses, such as hotel stays, food, and other essential expenses. Keep track of these expenses, as they can add up quickly. Some policies may also cover costs associated with finding alternative housing, such as renting a nearby apartment or house. For example, if you need to rent a hotel room for 30 days while your home is being repaired, your policy may cover up to $3,000 in living expenses.
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