Sometimes, the unexpected can happen. Whether you had a tree suddenly fall on your property, or a storm uprooted a tree onto the roof of your garage, dealing with downed trees can be a stressful and expensive process. Oftentimes, a homeowner may ask: Will homeowners insurance cover the expense to remove a tree from my property in Valparaiso, IN?
In this article, we’ll discuss the many factors that will play into whether or not your insurance claims will get coverage for your downed tree. When it comes to tree removal coverage, it’s important to know what can determine whether or not your removal will be covered. Let’s get started!
Factors that Play into Insurance Coverage for Downed Trees
When it’s time to file insurance claims for a downed tree on your property, you’ll want to make sure you’ll be able to get the coverage you need. There are many components that can influence whether or not you’ll be able to get the coverage for tree removal in Valpo. Read through some factors that may impact your chances of receiving coverage below, then read on to see how you can prevent having fallen trees on your property.
1. Location of the Damage
Depending on the location of your damage, you may not qualify for homeowners insurance coverage. If your tree falls onto uninsured property, it’s likely that you will not receive compensation for your tree removal. If that is the case, then all responsibility will fall onto you to remove the tree.
However, if your tree has fallen onto an insured structure on your property, such as your unattached garage, roof, car, or another structure, your insurance may cover your Valpo tree removal. They may also pay for repairs to your structures, ensuring your property will be protected.
2. Health of the Tree Prior to Fall
Sometimes, a tree may fall on your property due to poor health. If a tree is dead, dying, or diseased and you wait too long to remove it, the insurance company may deny your claim due to homeowner negligence, and therefore the tree’s removal may be your responsibility.
Alternatively, if the tree was in near perfect health and was damaged due an outside factor or cause outside of your control, your insurance company may be able to cover your tree removal.
3. Unpredicted Damages
There are many cases where your insurance will cover your tree removal if there was little to nothing you could do to prevent the incident from occurring. For example, there’s nothing you can do when a storm unexpectedly uproots a healthy tree on your property.
However, if you can prevent the incident from happening, insurance likely won’t cover your Valparaiso tree removal. For example, if your tree fell because it was leaning after a previous storm, then you could have scheduled a tree removal prior to the tree collapsing on your property.
How You Can Prevent Trees from Falling
The best policy when it comes to tree removal is prevention. Of course, sometimes there is nothing you can do to protect your property from downed trees, and you may be able to file insurance claims to cover these incidents. However, it’s important to be prepared, so you don’t have to worry about filing a claim. Below are some ways you can avoid having a tree fall down on your property.
1. Tree Trimming
Tree trimming services bring many benefits to your property. With routine tree trimming, you can ensure that any dead, dying, or diseased branches are taken care of. You won’t have to worry about diseases spreading to the rest of the tree, or deal with broken branches that have damaged your property.
Additionally, tree trimming services will bring an extra curb appeal and beautiful aesthetic to your property. Your trees will grow much more fruitfully, and will stay healthy for many seasons!
2. Preventative Tree Removal
When you notice that a tree is rotting, dying, or sick, it’s important that you take care of that tree right away with a Valpo tree removal. When you remove a tree preventatively, you’re avoiding extremely costly damages. The price of removing a dead tree will always be better than the price of removing a tree and trying to schedule repairs to your property.
Additionally, scheduling a tree removal will bring many advantages to your property. With a diseased tree removed from your yard, you can foster new growth on your property, either planting new trees or building a new structure.
3. Routine Inspections
With routine inspections of your trees, you can catch any problems before they become major concerns. Regular inspections can catch diseases, pests, rotting, and more concerns with your trees and help you find the right solution for your property.
In addition, regular inspections will help you save money in the long run. Oftentimes, it’s cheaper to remove a tree right away than to wait until it falls on your property and damages it. Also, the solution for your tree may be easier than you think, and therefore much less expensive!
Review: Will Insurance Cover my Tree Removal?
To review, insurance providers will cover tree removal in Valpo! However, there are many factors that will determine whether or not you qualify for coverage. If your tree doesn’t fall onto insured property and wasn’t healthy prior to your incident, your insurance may not cover your tree removal. However, if your tree fell onto insured property, was healthy prior to falling, and fell due to circumstances that you could not control, your insurance will potentially cover your services.
Additionally, we’ve included several ways you can prevent any incidents from happening. With services such as tree removal, routine tree inspections, and regular tree trimming, you can catch any concerns before they turn into costly problems. Additionally, utilizing these services come with additional benefits such as improved property value, health, and much more.
In Need of Tree Removal Services? Call T&T Tree Service today for a FREE estimate!
Are you in need of tree removal services in Valparaiso or elsewhere in Northwest Indiana? T&T Tree Service is here to help! Our trusted team is ready to take your call and find the solutions you need to keep your property healthy and safe. We’ll start with a free estimate, so we know what you need and you know what to expect. Then, we’ll get started right away on your tree removal, so you don’t have to worry. If you’re dealing with an emergency, call us BEFORE you get in touch with your insurance company! We’ll handle everything, so you can rest easily. You can rely on our team to ensure your property is protected.
Ready to get started? Call T&T Tree Service today to begin with a free estimate and inspection for your Valparaiso tree removal services.