Dealing with a fallen tree can be stressful, particularly if it damages your home, car, or other property structures. Factors like severe weather, disease, or old age can cause a tree to fall unexpectedly. If this occurs, you might be left wondering who is responsible for the damage and what steps you should take next. At Birmingham Insurance Agency LLC, serving the greater Birmingham, AL area, we aim to help homeowners understand their coverage and responsibilities regarding fallen trees.
Who Bears the Responsibility for the Damage?
The responsibility depends on the location of the tree and the circumstances of its fall. If a healthy tree on your property falls due to a storm, your homeowner’s insurance will likely cover the damage. However, if the tree was already dead or unstable and you neglected to maintain it, your insurance company might deny the claim, citing negligence.
If a tree from your neighbor’s property falls onto yours, their insurance typically won’t cover the damage. Instead, your homeowner’s insurance would handle the claim. However, if you had previously warned your neighbor about their hazardous tree and they failed to address it, their insurance might be held liable.
What Steps Should You Take After a Tree Falls?
Firstly, ensure everyone’s safety and check for any immediate dangers, such as downed power lines. Next, document the damage with photos and contact your insurance company to initiate the claims process. If necessary, hire a professional to remove the tree safely.
At Birmingham Insurance Agency LLC, serving the Birmingham, AL community, we’re here to help you navigate home insurance claims and ensure you have the proper protection in place. Contact us today to review your policy and stay prepared for the unexpected.
