There are various benefits to having large trees as part of your home's landscape. They can provide cleaner air, noise filtration, refreshing aesthetics, and a cover.
However, these huge and blossoming trees also risk your roof due to their possible collapse during heavy thunderstorms or hail storms.
But don't worry. You can still enjoy having your tall trees while protecting yourself against the cost of their possible damages. This article will provide details about home insurance coverages, specifically damaged or collapsed roofs.
How Will Home Insurance Cover Tree Damage?
Standard homeowners' insurance must have a policy that covers weather-related damages, such as trees falling on the roof. So, if your roof collapses due to these causes, your insurance must cover the cost of repairs. Some policies even pay to replace your house's roofing completely.
But, it's best if you remember that repairs and replacement would depend on your insurance adjusters and policy. A few investigations will still be done, and there are proofs they need to check before acting on the report.
What To Do After Insurance Adjuster's Approval?
After the insurance adjusters approve your claim, you should start looking for a roofing contractor. You should find someone who already has experience with handling insurance claims. This move ensures that your transaction will be smooth with the contractor and insurers.
However, not all claims are getting approved. So, if your claim is one of them, you can appeal for a second adjuster's opinion. If you're still unsatisfied with the results and proof, you can ask for an engineer to inspect.
Remember that your insurance company still has the final say on approval.
What Doesn’t Insurance Cover?
At this point, you'll know that the insurance company does not approve all claims. And one reason for disapproval is when the tree that falls on your roof is already rotted or unmaintained.
Another reason is if you're proven to live in an area considered high risk for such natural disasters. This will result in receiving a lower coverage level.
Having trees around your house means you must be equipped to perform regular maintenance to avoid causing damage when such disasters occur. If you hear that a storm may hit your area, take the necessary actions. You should also contact your insurers to confirm the coverage of your insurance, so you are informed.
At Black And Associates Insurance, Inc., we aim to provide comprehensive insurance policies that make your life easier. We want to help you get insurance that fits your needs. You can get more information about our products and services by calling our agency at (509) 464-0058. Get your free quote today by CLICKING HERE. Topics and coverage discussed in this article are not guaranteed, consult with your agents to determine what your policy does and does not cover. We are more than happy to help!
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