The crews here at ServiceMaster by Lovejoy have been hard at work with all the recent trees falling around Henry, Rockdale, Decatur, Sandy Springs and Stone Mountain. Trees can cause extreme damage to property during a wind/hail/ice storm. Everyone should know what to expect if their tree or a neighbors tree falls!
Trees add value and beauty to your home, but they also can cause trouble if they aren’t properly maintained. Dead or dying trees pose safety hazards and can cause liability issues. It’s important for homeowners to understand what is covered by their homeowner’s insurance policy if a tree should fall on their property or their neighbor’s property.
Most basic homeowners insurance policies will cover damage to your house and the contents caused by falling trees and tree limbs. Most storm-caused tree damage, such as ice, hail and lightning, is covered. As long as the tree was healthy and well maintained, it doesn’t matter if it was your tree or your neighbor’s tree; your policy covers damage to your property. The same is true for your neighbor. Their homeowners policy is there to cover their property.
If a tree on your property is not well maintained and is dead or diseased, it could fall and cause damage to your neighbor’s property, making you liable. If the insurance adjuster finds that you were negligent in maintaining your tree, your insurance company may end up not covering the loss and it falls back to the homeowner.
If you notice that your neighbors aren’t taking care of their trees properly, you should contact them about it. If they aren’t cooperative, it’s best to use certified mail to have a record of the communication to show you’ve made an effort to protect your property.