Who is responsible for storm damage and downed trees?
If your car is damaged, even if it’s in the garage, your auto insurance pays. If it is tree damage, where the tree lands determines the liable party.
GREENSBORO, NC – Storms and the threat of storms raise questions about insurance coverage.
TREE ON A HOUSE. WHO PAYS?
Insurance covers you if a tree falls on your house, and by insurance I mean your insurance. It is your responsibility. It doesn’t matter who it is or where the tree is from.
BRANCHES AND TREES ALL AROUND THE YARD
If the tree does not fall on your house, but there are branches and tree trunks all over the yard and you need big machinery to help clean it up, the standard homeowners policy does not cover not that. You may have an enhanced policy that does this, but not your daily policy.
“It’s covered as long as it causes damage to your property. It could be the side of your house, it could be a fence, it could be a shed that you might have. But the key is that it has to damage your property and/or block your driveway to get in and out,” said Cecilia Cruz, Alliance Insurance Services.
THE CAR IS DAMAGED IN A STORM. WHICH INSURANCE PAYS?
if your car is damaged, it’s your car insurance, not your owners, even if the car is parked at home in the garage. Now your car insurance only covers you if you have comprehensive coverage, which is not mandatory on all vehicles. Without a suit, you will pay out of pocket to repair your car.
BUILDING PRICES IMPACT STORM CLAIMS.
“A tree falls on a garage. Now the 2x4s have increased by 300%. You still want your garage fixed, and you want your two-car garage, not a one-car garage. For your insurance company to fix your garage, they have to buy the 2x4s at today’s prices,” said Christopher Cook, Alliance Insurance Services.
The cost of repairing or rebuilding your home has increased. Now’s a good time to check with your insurance agent to make sure you have enough coverage, and you’re not obligated to make up the difference if anything were to happen.