If a Tree Falls on my House Am I Covered?

When it comes to trees and insurance, the short answer to the question is: it depends, but more than likely. You’ll want to double-check with your insurance agent to be sure, but your homeowners insurance policy normally covers damage to your home from fallen trees or limbs. That’s the good news. The bad news is the fact that your insurance premiums will go up as a result.

The “it depends” part comes in when severe weather comes into play. If, during extremely high winds such as those occurring during a tornado or hurricane, your home is damaged by a flying tree, you may not have as much coverage as you think. This type of occurrence is known as an “act of nature” and depending on your policy and whatever additional riders you have, your home may not be protected.

Working with a great insurance company like Agape Brokers Insurance Agency for customers in the Hemet, CA area will enable you to know what your policies cover and, if you’re underinsured, to get the coverage you need. Don’t take a chance that your home will be protected with the homeowners insurance you currently have, talk to a professional.

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