TREE DAMAGE FROM WIND – COVERED OR NOT?
Many of us have tree damage from high winds in the recent storms. Is this covered by our Texas Homeowner’s Policy? Maybe, maybe not. Here are the basic facts: • Any damage to building or structure (garage, tool shed, fence, mailbox, etc.) from falling trees or tree limbs is covered. The cost to remove the tree or limb from the damaged structure is covered. There is no limit to these coverages other than the policy limits of your contract. • Damage to fences may be excluded if you have an AA coverage policy with a form HO-47OT attached. • After the tree or limb is removed from the damaged structure, the cost to remove the tree or limb from your yard and dispose of it is limited by the debris coverage of your policy. This debris removal coverage may be subject to your deductible, depending on the contract language in your policy. ISO form policies may have a $1,000 limit for tree or limb debris removal. • If there are downed trees or limbs in your yard, but they did not damage any of the
Related Questions
- Wind caused my tree to fall on my house, which caused damage to my roof. Does my homeowners policy cover the damage to my house and pay for the removal of the tree from my property?
- On those policies providing wind coverage, are contents damage caused by wind driven rain covered?
- Is roof damage due to tree branches covered by insurance?
