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A Simplified Explanation of Homeowner Policies and Trees.

May 6, 2013

We get this question a lot, so I thought I would write a blog post to help clarify the issue.tree

Coverage for the value of a tree.

Trees are covered as property only if damaged by fire, lightning, explosion, riot or civil commotion, aircraft, vehicles not owned or operated by a resident of the “residence premises,” vandalism, malicious mischief or theft.  Coverage is usually limited to $500 per tree and the maximum limit is usually 5% of your home value (Coverage A).

So, much to the chagrin of every homeowner who has experienced a severe windstorm or hurricane, windstorm is not a covered peril.  Beetle, insect and moth damage are also excluded.

Debris removal.

For trees damaged by one of the seven perils listed above, the limit of $500 per tree includes debris removal expenses.

For trees damaged by other perils such as windstorm, etc., the policy pays $500 so long as the tree damages a covered structure, blocks a driveway or handicap assist ramp.  If a tree simply is blown down in the yard, nothing is payable for debris removal.

There you have it.  If you would like us to go through the coverage on your policy with you please give us a call at 503-357-7111.

 

Filed under: Uncategorized — admin
 
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