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What should you do if a tree falls on your home?

On Behalf of | Feb 8, 2024 | Property Damage Insurance Claims |

When a tree falls on a home, the aftermath can be overwhelming. This turn of events can cause significant damage and create a stressful situation for homeowners. Most of the time, immediate concerns revolve around ensuring everyone’s safety and preventing further damage to the property.

The recovery process involves several key steps that homeowners must follow to address the damage and restore their property. If you have recently found yourself in this situation, know that understanding the steps that should be taken can helps to mitigate the damage’s impact and better ensure that you are adequately compensated by your insurance and that the property is repaired to its pre-damage condition.

Contact the homeowner’s insurance company

The first step after ensuring everyone’s safety is to contact your homeowner’s insurance company. Most policies cover tree damage to your home and property, but coverage can vary based on the circumstances of the incident and the specific terms of your policy. It’s essential to report the damage immediately to begin the claims process, providing detailed information and any evidence, such as photos or videos.

Obtain inspections to learn about damage

Once your insurance company has been notified, the next step is to have your property inspected by professionals to assess the extent of the damage. This may involve structural engineers or roofing specialists who can comprehensively evaluate any harm to the home’s structure or roof. These inspections are crucial for understanding the full scope of repairs needed and ensuring that all damage is accounted for in the insurance claim.

Remain vigilant for future signs of continuing problems

You must remain vigilant for any signs of ongoing issues related to the damage. This could include new leaks, structural weaknesses or other problems that may not have been apparent immediately after the repair. Early detection of such issues is crucial for preventing further damage and addressing problems while they are still manageable.

Fight for insurance benefits

Navigating the insurance claims process can sometimes be challenging, and you may have to advocate for your rights to fair compensation. If the insurance company’s offer doesn’t adequately cover the damages or if the claim is denied, you may need to dispute the decision. This could involve providing additional documentation, hiring a public adjuster or seeking legal advice to ensure the insurance benefits cover the total cost of repairs.

What is most important to keep in mind right now is that you have rights and you have options. Which way you opt to turn will be influenced by the specifics of your unique circumstances.