Trees are beautiful additions to most home environments. They add stunning beauty and natural wonder. They also create danger and the risk of serious damage to your home. In some cases, your home insurance covers these parties and your property, giving you some peace of mind. But that is not always the case.
At Phil Klein Insurance Group, we help those in West Bloomfield, MI, get the home insurance they need.
Tree Coverage in Home Insurance
Always read the details of your policy for specifics on your coverage. Most of the time, home insurance policies cover tree-related damage in the following situations:
- A covered structure suffers damage. If a tree falls on your home, or any other covered property in your policy, like a named shed or garage, the policy covers the repairs to the building.
- Tree removal. In situations where a tree falls and damages an insured structure, like your home, the policy typically includes removal of the debris. It may also apply in situations where a downed tree blocks your driveway.
- A neighbor’s tree. If a neighbor’s tree falls on your home or structure, your insurance company may cover the cost. They may also seek compensation from that property owner.
Most policies have very specific exclusions, or times when they do not cover tree damage. If there’s no structural damage to your property but a tree falls in the backyard, your insurance company doesn’t pay for the removal. It also may deny claims if the tree fell due to poor maintenance or neglect, such as a rotting tree falling onto your home.
Need Coverage Help?
Phil Klein Insurance Group is always available to provide you with the hands-on support you need. If you need to update your home insurance in West Bloomfield, MI, or you need help using your current plan, give us a call.
