Can You Claim Tree Removal on Your Insurance?
In addition to causing a problem, fallen trees can cause costly damage to homes and property, and can be a hazard. The expenses of tree removal and any necessary property repairs may be covered by your homeowners insurance policy. Sometimes it can feel about as easy as moving a fallen tree on your own to file a homeowners insurance claim, but taking the time to familiarize yourself with the claims process can help speed things up when you are looking for Boston Tree Trimmers Near Me.
- To start the claim process, contact your insurance company as soon as possible. To determine if your particular situation is covered under your homeowners policy, speak with an agent. To avoid future damage to your property, some policies may include tree removal; others may only cover the removal of fallen trees that have already caused damage. Over the remainder of the claims process, your insurance agent can tell you what to expect. Write down the contact information for future use of the agent you are speaking with.
- Unless it is unavoidable, do not move the fallen tree. Take images of the fallen tree and any damage to your home or property that it has caused. From multiple angles, take as many images as possible. The insurance company will most likely send an adjuster to take images of the damage, but in the event that the insurance company underplays the extent of the damage, it is a good idea to have your own documentation.
- Obtain an independent repair cost estimate. Call a trusted contractor or call several contractors until you find one willing to give you an on-site estimate that is free and timely. For your records, keep a copy of the estimate.
- Allow your insurance company’s adjuster to assess the damage and give you an estimate. Unless the damage is easily accessible from the road, you may have to schedule a time to allow the adjuster to access your property. Let the adjuster know that you took several images and got an independent audit and offer to share them.
Contact your insurance agent once every three to four weeks and request an update on your claim’s progress. A few weeks may pass after the claims adjuster visits your house, depending on the extent of the damage, before you hear anything from the insurance company. At any given time, adjusters can have hundreds of claims to process. Periodically checking in with the adjuster could help your claim move faster along.