Dealing with a fallen tree can be frustrating and time-consuming, especially if it causes property damage. Strong winds contribute to the biggest cause of trees falling. Old and diseased trees are especially vulnerable when extreme gusts of wind hit them. Other factors include negligence and poor maintenance, causing inconvenience to family and neighbors. Depending on the circumstances, you might wonder who is responsible for removing a downed tree. Consulting with tree service in Sacramento is critical to protect your home from expensive damages.
Here’s what you need to know.
If Someone Else’s Tree Falls on Your Property
When a tree that technically belongs to your neighbor damages your home in the event of a storm or fire, you are responsible for it.
- If a neighbor’s tree falls on your property because of your neighbor’s outdoor project, you are not responsible.
- If a tree falls from a public area onto your property and causes damage, the city usually foots the bill for cleanup and repairs.
Also, you can call experts for landscape design in Sacramento for a redo.
Homeowner Insurance Facts
Your homeowners’ insurance policy would cover your main property, including the fence and other structures within your property. Therefore, your insurance plan covers your repair costs if a tree falls on your property, causing damages due to strong winds, storms, or other natural forces. However, you might be required to pay the deductible portion based on the conditions and agreements of your insurance plan.
However, homeowners’ insurance policies do not cover aren’t likely to cover fallen trees due to your negligence, such as lack of maintenance. For instance, if a tree died many years ago and you did not consult with an expert, and it falls, your insurance plan will not cover the damages. Similarly, the insurance does not cover if the tree fell during the branch removal by an unskilled person.
If Your Tree Falls on Someone Else’s Property
If your tree crashes into a neighbor’s property, you will likely be responsible for the removal. However, do not be eager to cover the damage to that neighbor’s home, car, or other structures because their homeowner’s insurance should cover those costs. If you have any inquiries, consult with your insurance representative.
Signs Your Tree is At Risk of Falling.
Look for the signs mentioned below to stay aware of mishaps.
- Missing bark
- Slimy roots
- Yellow, brown, brittle leaves during the growing season
- Fungus growth
- Broken branches
- Unusual lean in one direction
- Holes from wood insects
After filing your claim, you’ll need to hire a specialist for tree removal in Sacramento. Some tree specialists work directly with homeowners insurance in the event of natural calamity. Hiring a licensed, bonded, and insured tree specialist to remove a tree goes a long way. Licensed tree specialists are experienced and comfortable working with homeowners insurance.