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8/2/2012 - Answering some frequently asked questions relating to claims after storm damage


Tree damage is generally covered by insurance.

Even though the summer may be a short period, the U.S. has seen a significant number of environmental hazards, ranging from heavy winds to raging wildfires and sweltering heat waves. This has left many policyholders with questions about their homeowners insurance plans. The Insurance Information Institute, therefore, is providing them with some answers.

A common question many people may have is whether a standard plan covers losses caused by fire, lightning and windstorms. The III says that while most basic plans do provide coverage for these scenarios, they may differ slightly, as some may be more comprehensive than others as far as dollar limits go. Policyholders should check their plans to ensure they are sufficient.

Another question homeowners may have regards trees and whether policies cover the cost of removing them should they fall. The III says that as a rule, tree removal is not provided for, though it may be if the fallen tree damages the roof or prevents homeowners from accessing their residence. Policyholders should consult with their insurance agent, who can best discuss their specific situation.

For answers to other frequently asked questions, click here.

Go Back to Most Recent FYI Articles

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