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Removing A Fallen Tree Limb

A home surrounded by trees can feel like an oasis until strong winds threaten to uproot them. In the event of an uprooted tree falling onto your home, how much should the carrier pay for removing a fallen tree? Here's what a panel of homeowners insurance agents had to say:

  • "The policy pays whatever it takes to get the tree off the roof."
  • "I would argue that the cost of removing the tree from the roof is part of the Coverage A loss, just like the cost of repairing the roof boards and shingles. The cost is a necessary part of the roof repair and should be included in the Coverage A loss up to the Coverage A limit. Once the tree is off the house, the cost of cutting it up and hauling it away is subject to the sub-limit."
  • "An additional coverage that can apply is 'Reasonable Repairs.' The cost to remove the tree from the house is a reasonable temporary measure to prevent further loss to the home from having the tree on it."
  • "If the tree fell on the roof, the cost to access the damaged roof and make repairs requires the tree to be moved from the roof first. That is not an additional coverage. It is an expense related to repairing the covered roof."

With the hurricane-force winds we experience here on the Gulf Coast, it's important to ensure your home is protected. Here at Dan J Burghardt Insurance Agency, our agents are standing by to help you. Get in touch with us at (504) 441-7283.

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