Due to wind damage a huge tree needs removal quoted at $2,500. I have $2,000 deductible for wind damage. Might this qualify for a claim?
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UPDATED: Mar 17, 2016
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Insurance Question from Goodview, MN
Asked on 03/17/2016
Due to wind damage a huge tree needs removal quoted at $2,500. I have $2,000 deductible for wind damage. Might this qualify for a claim? NULL
Answer given on March 28, 2016
Homeowner insurance covers direct loss to your home and personal property, less your deductible. If a tree is damaged due to winds, it must do damage to your home before the insurance will pay for any removal costs. If the tree has simply fallen in your yard, then your insurance company will not pay for the removal. If it struck the house, the insurance will sometimes only pay to remove the portion of the tree on your home. Different insurance companies handle this type of loss differently.If the tree hits a neighbor’s home, then your insurance could pay to remove the tree. Or if the tree hits a fence, they would pay for partial costs to remove it from the fence. In the case of the neighbor’s property, there will be no deductible for the removal of the fence.
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