House insurance can provide coverage for damage caused by falling trees. In most cases, it can be the homeowner’s responsibility to maintain the property and the trees on it. If a tree falls and causes damage to your home, you may be able to claim on your house insurance. This article will explore whether house insurance can cover falling trees and what to do if you have to make a claim.
What is Covered by House Insurance?
House insurance typically covers damage to the building and its contents caused by storms, fire, theft, vandalism, and more. Most policies will cover trees falling on the property, but this may be limited to certain types of trees or circumstances. It is important to check your policy wording to determine exactly what is covered and what is excluded.
What is Not Covered by House Insurance?
House insurance policies typically exclude damage caused by trees that are diseased or rotten. If a tree is known to be in poor health and it falls, it is unlikely that you will be able to claim on your house insurance.
It is also important to note that some policies may not cover damage caused by trees that are on your property but not owned by you. If a tree falls from a neighbouring property and causes damage to your home, it is unlikely that your house insurance will cover the costs.
What to Do if You Need to Make a Claim
If a tree falls and causes damage to your property, the first step is to check your policy wording to determine if you are covered. If you are, you should contact your insurer as soon as possible. You will need to provide details of the incident and evidence of the damage. Your insurer may require you to obtain estimates for the repairs, and you may also need to provide evidence of ownership of the tree.
Conclusion
House insurance can provide coverage for damage caused by falling trees, but the exact level of cover depends on the policy. It is important to check the policy wording to ensure you are covered, and to contact your insurer as soon as possible if you need to make a claim.