Do I have coverage to replace damaged trees or remove tree debris caused by the storm?
• Homeowners insurance generally does not cover damage to trees or the removal of tree debris from the property. If a tree has fallen on your home and caused damage, however, we pay to cut away that part of the tree so repairs can be made; most policies pay up to $500 for removing that part of the tree from the property. Check your policy for specific coverage. • The storm caused a neighbor’s tree to fall on my house? Whose insurance company should I report my claim to – the neighbor’s or mine? • Report the claim to American Family Insurance. Since the cause of damage was an act of nature, your insurance policy applies. If the roles were reversed and a tree from your property fell on your neighbor’s home, the neighbor’s insurance policy would apply. • Is there anything I can do to help with the claim process? • Begin to compile a list of personal property and belongings you believe were damaged or destroyed by the storm. Briefly describe each item, including its age, current value, mak
