Trees beautify our surroundings and provide ample benefits to the world. But it is also important to understand their implication on our home insurance. With one storm, you may wonder whether your insurance company will going to pay you for fallen trees and branches that have damaged your property. Toronto tree service will help you to claim for the damaged property due to fallen trees.
Does the home insurance cover the damage caused by the fallen trees?
It totally depends on the type of insurance you have chosen. Read carefully the terms and conditions before purchasing any policy. Usually, the homeowner’s insurance policy protects our home and structures against perils (damage caused by winds). So, usually, if a healthy tree falls due to the wind, the insurance company may provide you cover for that damage.
However, this doesn’t include the losses caused by negligence or maintenance related issue like in case of a rotten tree falling on the property.
If a fallen tree doesn’t damage anything:
If a tree falls due to the wind and doesn’t cause damage to the property, then, the insurance company will not cover its removal.
If a tree in your premises damages your neighbor’s property:
You are responsible only if the neglect on your part causes the tree removal. If this fall is due to the wind or storm, then your neighbor will have to file a claim through his own insurance.
Are home insurance cover is responsible for tree debris removal?
Your home insurance will cover the cost of removing the debris only if the fallen tree has caused damage to your property. In case, if the tree has not caused any damage, then the insurance company is not responsible for removing the debris.
What you have to pay?
You have to pay the deductible amount. The insurance will help you to pay for a covered loss. However, there are coverage limits applicable too.
Claim for Tree subsidence and Heaving
Tree subsidence: This is the damage caused at the foundation level due to the roots of tree too close to the property. Basically, here the soil subsidence takes place mainly due to clay type of the soil. The clay soil will shrink when drying and this leads the foundation of the structure to sink. If you plant any tree too close to your property in clay soil, then its roots will suck the water rapidly leaving the soil to shrink. Your policy may include the coverage for the subsidence. Subsidence claims are pricy and therefore, the company usually sends an adjuster to assess the claim.
Heaving: Heave is caused by removing a mature tree from the ground which leaves big space in the soil. The water balance of that soil area gets disturbed by removing a mature tree, leaving the soil with excess moisture causing it to swell.
You should always call a professional Toronto tree service to advise you in case of mature tree removal. In case you remove a healthy mature tree just as a precautionary measure then, the insurance company is not liable to pay and you can also be held accountable for any future damage.
