Home Insurance and Tree Damage, What You Should Know

Tree damage is a constant concern for homeowners in and around Waldron, AR. It doesn’t help that different home insurance agencies deal with tree damage in different ways. However, The Owens Agency LLC wants people to know how tree damage and home insurance typically work.

Not All Tree Damage is the Same

Tree damage can occur in several different ways:

  • Falling branches that damage structures
  • Falling trees that damage structures
  • Leaning trees that damage utility lines
  • Trees growing into structures

In addition, many problems with trees can stem from other issues beyond your control. For example, if lightning strikes a tree, it can send branches falling onto your home. All of these can represent different types of incidents that an insurance company may or may not cover.

Not All Tree Damage Has the Same Coverage

Don’t guess or assume anything about tree damage and insurance. Make sure you go over your homeowner’s policy carefully. If in doubt, ask the insurance company directly what type of tree damage it will cover, and what it won’t cover.

Sometimes, you may have coverage but only if the damage comes about in a highly specific way. You don’t want to wait until the damage occurs to find out.

Not All Tree Damage is Unavoidable

Don’t wait for damage to occur before you try to make a claim with your insurance company. Do what you can to mitigate the possibility of damage from trees. Take care of trees on your property. Keep them trimmed and pruned. If they represent a clear hazard, have them removed.

Don’t let dead or diseased trees linger on the property. You can tell your insurance company about the trees on your property and what you need to do to mitigate their potential damage. In some cases, the insurance company may even help.

When looking for home insurance in Waldron, AR, make sure you ask about tree damage specifically. Contact the Owens Agency LLC today to discuss your options.