rotten tree branch damage storage shed during storm. will insurance cover damages even if the tree was rotten?
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UPDATED: Jun 1, 2012
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Insurance Question from Selma, NC
Asked on 06/01/2012
rotten tree branch damage storage shed during storm. will insurance cover damages even if the tree was rotten? NULL
Answer given on June 03, 2012
The homeowner insurance company may or may not pay for the damages to the shed by the tree. If it is your tree, and you knew it was rotten, then they insurance company could call this a maintenance issue and decline the claim. However, if you were not aware that it was rotten until it actually came down, then there should be coverage for the damage. Of course, the deductible on your policy will be applied to the damage to the shed, and only a portion of the tree will be covered. The insurance policy will pay to remove the portion of the tree from the shed, but it will not pay to take down the rest of the tree. Again, that would be a maintenance issue.If the tree belonged to your neighbor, your insurance company may try to get reimbursement from them, especially if they knew the tree was sick or rotten. That would be considered negligence and their insurance company would pay for the damages caused by the tree branch falling.
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