A storm tears through your neighborhood. Your home is okay, but one look around your yard and you know there is an expensive mess to clean up. You will need help.
Will your home insurance policy help clean up after a storm? It depends if the damage is deemed to have been avoidable, and other policy-specific details. We've laid out some details that impact coverage here, but be sure to contact your agent to determine what your specific policy covers.
Damage to the Home
Storms can pose big risks to homeowners, even after they've cleared out. Winds and other elements can leave items such as trees unstable. Those trees can fall into your home even hours later, causing further damage to your property.
Fortunately, many times, your home insurance will generally provide financial compensation for storm damage. Insurers recognize that storm damages are often unavoidable and unpredictable. As a result, they tend to cover key rehabilitation expenses, such as repairs to the home and other permanent structures.
Cleaning Up the Mess
Downed fences, shattered furniture, and similar storm damage casualties often require extra attention. However, the most common storm-damages involve trees. And tree damage brings a multitude of problems with it. In particular, large trees can be difficult to remove.
Your home insurance policy may help to cover these losses in several situations. Be sure to contact your agent to inquire about your coverage. Some key things to consider:
- Did the falling tree cause damage? If your lawn is the only part of your property that's damaged, your policy is not likely to provide coverage.
- Did the tree fall because of root damage? If the dead or dying tree fell because it was already in poor condition prior to the storm, you may be out of luck. The insurer may consider this a situation where you could have avoided the incident.
- If the tree damaged a home, a neighbor's fence, or other property, the insurer is more likely to cover cleanup. The amount of coverage depends on the situation.
Call your agent to inquire about your options. An adjuster will likely come to your home to inspect the damage. They can then tell you if your policy can help cover the removal of the tree and damaged materials.
Do you need home insurance? Call Fleming & Riles Insurance at (800) 833-4379 for a free home Georgia home insurance quote.