customers pay prior to insurance pays)and other factors.”They are difficult for us to provide bright line responses that will work to all, “stated Opportunity McElhaney, the division’s communications director and legal intermediary. One piece of excellent news is that wind damage– unlike floodwaters– usually is covered under property owner
policies, McElhaney kept in mind. Beyond that, Tom O’Meara, executive director for the Independent Insurance Coverage Agents of
Iowa, an association of about 600 member companies, stated the responses frequently boil down to a “depends or possibly or in some cases.”In cases of tree damage on a property, coverage frequently depends on the levels offered in the property owner or homeowner’s specific policy, O’Meara stated.
Payments may be subject to your policy’s coverage limits if a tree went through the home and triggered a total loss. For less-severe tree damage, the policy probably would pay for damage repair subject to deductibles and other provisions. Here are some common concerns and some assistance– however given that individual policies differ, it’s best to call your insurer for details about your specific case:
A tree fell my way from a next-door neighbor’s home. Who pays? In a case where a next-door neighbor’s tree falls on your home or home, O’Meara stated,
in the majority of cases the obligation falls on the homeowner, even though the damage came from an outsider’s tree. One exception would be if the next-door neighbor’s
tree was dead or had overhanging dead branches that the property owner reported to city officials– who then informed the next-door neighbor to act however she or he didn’t.
In that case, the next-door neighbor would be accountable, he stated.”Most of the time you‘re responsible for your own home even though it was your next-door neighbor’s tree,”O’Meara stated. My home didn’t sustain structural damage however lots of trees are down. Is there coverage for that? In cases where a property owner has lots of trees and particles to get rid of however no structural damage,