If you want to learn about the construction process and the steps that are taken to complete a project, you should read my blog. My name is Darren White and I've always been fascinated by the way that a construction crew can erect a building so fast. I work in an industrial park and there's always new buildings being built and I see the progress every day. A few months ago, I was at a neighborhood picnic and I started talking to a neighbor that lived down the street. It just so happened that he was a contractor that worked on the buildings in the industrial park. I asked him how the construction crew could build a huge building so quickly and he explained the whole process to me. That's when I had the idea to write a blog to explain the building process to others who are also interested.
After a major storm sweeps through your neighborhood, you may have a big mess to clean up and damages to repair from the trees that fell in your yard. Your first step after this happens is to contact your home insurance company to find out if they will cover the costs of cleanup and repairs.
Does Home Insurance Cover Tree Removal Services?
The first thing to realize is that a typical homeowner's insurance policy will not cover the costs of tree removal, unless a major storm causes the tree to fall. Your insurance company expects you to take care of the trees in your yard. If you have a tree that is dead or leaning, they will generally not cover the costs for you to have it removed; this will be your responsibility.
Hiring a company to remove a tree in your yard can cost between $150 to $1,500, depending on the type and size of the tree.
What About Damage From Major Storms?
A major storm with high winds can knock over trees, and this can cause damage to your house, car, or other belongings. Most home insurance plans will cover the costs of damage to a person's house or other structures, but they will not cover the damage to the person's car. Car damage is covered under your comprehensive auto insurance policy.
While they may cover the costs to fix the things the trees damaged, they may not cover the costs of removing the trees from the house or yard. If your insurance company does offer tree removal coverage, the amount of coverage might be limited.
In most cases, insurance companies will compensate homeowners for at least some of the costs of tree removal. This is because an insurance company realizes that the damage was not caused by the homeowner's negligence—it was caused by an act of nature, and the homeowner could not have prevented it from happening.
Will This Claim Affect your Finances?
There are two things you should know about claims for storm damage. The first thing is that you may be required to pay a deductible. Almost all home insurance policies have deductibles, and this means you will pay a small amount upfront and the insurance company will cover the rest of the costs.
The second thing you may wonder about is whether this claim will affect your future costs of insurance. According to the National Storm Damage Center, insurance companies are not legally allowed to raise rates for claims due to acts of God.
After a devastating event like this happens, you should call your insurance company. Then you can line up a tree removal company like Charleston Stump Stompers and Tree Service, Inc. to begin the process of cleaning up your yard.Share