Five Things to Know about Fallen Trees and Insurance Coverage

large tree fallen over onto the raod with roots exposed.The spring and summer months are the time for flowers to bloom, making our surrounding extra vibrant with colors. However, it is also the season of storms, according to National Severe Storms Laboratory.

Now that the thunderstorm season is fast approaching, it is high time to run through your homeowners’ insurance to know what coverage you have concerning damages brought by fallen trees. 

Keep these five essential things to mind: 

  • You are likely covered for tree removal cost, damage repairs, and other insured structures on your property like fences. 

Your tree topples over your house and damages your window and door. What should you do next? These damages will be likely covered by your insurance company, assuming you’ve paid your deductible. You will also be covered in case lightning strikes your tree or high winds topple your tree off your roof. 

But, the same is not true if your homeowners’ insurance finds that you failed to do your part to maintain your tree. You may be declined of your coverage if there is neglect on your end. 

  • There should be damage to your property. 

Your homeowners’ insurance will only cover for fallen tree removal if it damaged any of your insured property. If a tree falls on your yard without harming your house or any guaranteed structure, then you will be responsible for the tree removal cost. 

  • You may still file an insurance claim even if your city took care of the fallen trees on the streets. 

Make sure to check with your local government to see who’s responsible for removing a tree that fell onto the street. Even If they take the responsibility, it may only be for a part of what’s in the road and whatever is left on your property is yours to take care of. 

  • You may still claim for coverage even if a tree falls from your neighbor’s yard. 

If a tree damages your property, no matter whose tree it is, your homeowners’ insurance may contribute. Your homeowners’ insurance may try to get some of the damage costs as well as your deductible from your neighbor’s insurance provider. This can be the car if they found out your neighbor was negligent in keeping the tree well. 

  • Car damages from a fallen tree may be covered by your homeowners’ insurance. 

Your car insurance will likely cover for any damages in case a tree falls onto your vehicle. Whether the tree comes from your property or your neighbor’s, you probably are covered. However, you may not be covered for the cost of removing the tree from your car. 

Homeowners’ insurance has a unique way to handle fallen tree claims. They will consider your situation and the specifics of your policy to come up with the final decision. 

Tips for Filing an Insurance Claim for a Fallen Tree

Take photos: Take as many pictures as you can from all angles to help homeowners’ insurance from establishing the cause and scale of damage. 

Give as many information as possible: Make sure to tell your insurance provider if your neighbor failed to take care of his tree, resulting in it falling onto your roof. Also, if your tree is storm damaged, be sure to provide all the necessary details about the intensity of the storm. 

Be ready to lay your deductible: You should be prepared to cover for your deductible in case of damage caused by a fallen tree. 

Your car insurance and homeowners’ insurance will likely cover you if a tree falls and damages your property. It is essential to know your policy so that you know when and when not you’re covered. So go and review your policy or ask them as many questions you can think of to make sure you’re on the same page. 

For further questions contact your local tree removal company to guide you through the process.

How do I Deal with Dangerous Tree Branches?

People and wildlife get so much from trees. Trees are full of life and color and provide shade in the summertime. They serve as a natural fence to offer you privacy in your own space. Trees add significant value to your property. However, they could also cause some trouble if they are not well-maintained. Branches that hang too low can obstruct your view and other pedestrians. Limbs that grow too long and go beyond your property line to your neighbor’s driveway can be a cause of quarrel if the worst-case scenario happens. You sure don’t want to be sued because the branch fell onto your neighbor’s newly painted roof. 

Whatever the situation your tree is in, whether it’s growing towards your neighbor’s yard, or it has become hazardous to your safety, it is crucial to know what actions to take when the limbs and branches become a problem for you.

Limbs can be a danger to you and your property because: 

  • Limbs and branches can rub against roof shingles and damage it in the long run. Damages like these will require you to spend on repair or even replacement of your roof. 
  • Leaves can accumulate in your gutter. This will cause block the waterway, which can eventually lead to the formation of mold. This will damage your roof, and without you knowing it, there are leaks in your roof. 
  • Weak branches can fall onto your window or roof during inclement weather. 

It is essential to take care of the health of your trees at all cost. This way, you would be able to keep them from growing into areas where they shouldn’t. They are nature’s gift to us, and we should do our best to keep them in their best state. 

What should you do if your tree’s branches are overgrowing and beginning to be too heavy? The best way to go around it is to have the branch trimmed away. If that’s not enough, you can have it removed to protect you from any threat it can cause. 

Any branch or limb that hangs over a structure like your home, driveway, or your neighbor’s yard, it is already considered as hazardous. High winds or any intense weather situation can break the branch and cause it to fall on anything under it. You should remove this branch before it injures anyone you love. You may need to climb or scale the roof which can be dangerous, especially if you have no protective gears on. 

Tree trimming may seem like an easy task, but it’s not. In fact, it can be risky. One small mistake can cause injury or damage to your property. It is acceptable for a homeowner to handle small branches of a relatively small tree, but larger ones should be left to the professionals. 

Look for a tree service company that has the required license, insurance, and certifications. It is also crucial to own the right tools and equipment to get the job done, so make sure to consider this when hiring tree experts.

For all of your tree trimming needs, contact Trinity Tree Service Dayton, OH for a free quote.

Should I Cut that Tree Down

crew in safety gear cutting down a tree close to the groundHow to tell if a tree might need removal

If your tree is dead, there should be no more discussion—it should be removed for many valid reasons. Branches and limbs will begin to fall following the tree’s death. The worst thing is, the entire tree can topple off, causing damaged to people and property. 

Is it the same with dying trees? To some extent, yes. A damaged or dying tree can also pose threats if they are not addressed carefully. Sometimes it is not too late for these trees, and they can still be saved. Here are some things to consider before deciding to remove a tree.

The tree’s proximity to living things

Above all else, human safety should come first. If the tree is a threat to roads, sidewalks, and human lives, then it should be removed. Is the tree located too near your home, or is it leaning towards one side? If the answer is yes, then the tree in question should be removed because it could spell disaster if the issue is not resolved. According to studies, almost 150 people are killed because of falling trees and branches each year. This data doesn’t include numbers of injuries. If your tree is a threat to your safety, take it down soon. 

How much will it cost to replace a tree versus treating it? 

It can be difficult to give a definite answer to this one. Some variables can affect the cost, and a lot of it would depend on your vision of replacement. It can cost you $10 to plant a small seeding, while a large sapling can go as high as $1000. Some diseases can be treated by adding water and nutrients. However, in some cases, the required treatment can take some years to take effect, thus making it really expensive. In this situation, it is best to seek help from a professional to assess the situation and provide expert advice. It may also be an excellent choice to replace your tree with a hardier type of tree. At the end of the day, it is still your choice that will matter. It could be hard to put a price on your precious tree. 

Manage your expectations on your tree’s chance of recovery

Whatever the reason for your tree’s deterioration, whether it’s storm damage, die-back, or lack of nutrients, every tree can only recover to a certain extent. Although it is not 100% accurate, if the canopy’s damage is between 25%-50%, it can cause the tree’s death. When it comes to treating a tree, finding the root cause is essential for the process. The tree may lack water or nutrients, which is causing its sudden death. It is best to ask an arborist to assess the tree and provide you with a diagnostic report. 

Don’t take bad advice

Your neighbor meant well when he told you to weed and feed your tree. However, your neighbor’s opinion may not be valid for many reasons. Unless he is skilled or is a certified arborist, you shouldn’t heed his advice. Tree experts inspect the tree carefully and even send soil and leaf samples to check the real cause of the problem. Like how you consult a doctor for your condition, you should go to an arborist for your tree’s health. 

Take the long view

Keep in mind that trees often outlive us. The sooner you replace a damaged tree, the sooner you will have a vibrant, healthy tree in your yard. Don’t dwell too much on the loss of your beloved tree; instead, think of the new one that you’ll have in your yard. Take care of this new tree, and it will thrive for centuries.

If you’ve decided to cut down the tree, consider a professional tree removal service company that you trust.