If a Tree Falls, Who Pays?

Tree WindEvery year, storms are responsible for felling countless trees and limbs. Unfortunately, some of those fallen trees damage homes and other property.

Cleaning up the damage from a storm can be a difficult task, both physically and emotionally, and things can become especially tense when you discover that it’s your neighbor’s tree that damaged your house.

To make matters worse, many homeowners are surprised to discover that if a neighbor’s tree falls on their house, it’s usually their own homeowners policy—not their neighbor’s—that will cover the cost of the damages. What follows are general guidelines for who pays what in various situations, but you should also check your homeowners policy for coverages and exclusions.

Your Property, Your Policy

Generally speaking, if your property is damaged, you are responsible for the damages. It doesn’t matter if the tree or limb came from your property, your neighbor’s property or even municipal property.

Keep in mind that a windstorm isn’t anyone’s fault; it’s an act of nature. If a tree does damage your property during a windstorm, your policy will cover the damages. After all, that’s why you purchased a homeowners policy—to protect yourself against unforeseen losses like a tree damaging your house.

Their Property, Their Policy

It might seem unfair that if it’s your neighbor’s tree that damages your home, you should have to pay. Fortunately for you, that standard applies both ways. If a storm rolls through and your tree falls and damages your neighbor’s house, his or her insurance is going to cover the damages.

Negligence and Liability

So far, these scenarios have been fairly straightforward, but what happens when it wasn’t a storm that fell the tree?

Instead, your neighbor’s tree was hollowed out from years of disease, and he’d neglected to do anything about it. In fact, it was so diseased that you expressed your concern to your neighbor that it might topple over and damage your property. Unfortunately, one day, that’s exactly what happens. What then?

Your insurance carrier is still going to be the one paying your claim. However, if you can prove your neighbor knew that the tree was diseased and that he or she neglected to fix it, your insurance carrier would probably attempt to collect from your neighbor’s insurance. If your carrier is successful, you could be reimbursed for your deductible.

Remember, though, this rule also applies the other way. If you have diseased or damaged trees on your property and they damage your neighbor’s house, he or she can try to prove your negligence. Your property is your responsibility, so it’s best to inspect your trees every year for signs of disease or damage. If you’re not sure what you’re looking for, consider having a professional arborist examine your trees.

Other Structures

If the tree doesn’t damage your house but instead damages your fence, are you still covered? Generally, you are.

Most homeowners policies distinguish between two different kinds of structures on your property. The “dwelling” refers to your house and any attached structures (like an attached garage), as well as any fixtures attached to the house. “Other structures,” including detached garages, sheds, fences or gazebos, are also insured, but typically only for 10 percent of the coverage on your dwelling.

Vehicles

If, in the aftermath of a storm, you discover that a tree has fallen on your car, your homeowners policy doesn’t apply. Instead, you’ll be looking at your auto policy.

If you have comprehensive coverage on your vehicle, your auto insurance carrier will pay for the damages, after you pay your deductible. The same rule would apply to a guest’s car. Hopefully, he or she took out comprehensive coverage, too.

Removal and Cleanup

What if the tree fell but didn’t hit anything? Would you be covered for removal costs?

If the fallen tree blocks a path to your front door or driveway, then many homeowners policies would pay for removal. Generally, the maximum coverage is around $500.

If the tree simply falls in the middle of your yard, your policy likely wouldn’t cover it. Unless the fallen tree damaged insured property, there is no loss to file a claim for.

Replacement

Replacing the trees themselves can be more complicated. Trees that have fallen due to wind damage may or may not be covered, so it’s best to check with your broker.

Most policies offer limited coverage for trees that have fallen due to fire, lightning, explosion, theft, vandalism, malicious mischief or aircraft. Amounts and exclusions will vary, so it’s important to read your policy and check with your broker if you have any questions.

Making Sure You’re Covered

Hopefully, your trees grow and endure. In the event that they fall, it’s important to know that you’re covered. Contact Midwest Insurance Group, LLC today to make sure that you have sufficient coverage for whatever might blow your way.

MIG Quality Agent Award

F.W. Hirt Quality Agency Award

The F.W. Quality Agency Award is the highest honor bestowed on an agency that represents Erie Insurance. Agents who earn this prestigious award demonstrate their long-term commitment to exceptional service, performance and profitability across all lines of business. A winning attitude, dedication to lifelong learning, quality growth and conscientious underwriting distinguish this agent throughout the Erie footprint.

Pictured above from left to right: John Kearns, Executive Vice President of Sales and Marketing for Erie Insurance, Jeremy Cardenas, Agency Principal, Troy Peterson, Agency Principal, Terrence Cavanaugh, President of Erie Insurance.

Diamond Achiever - Midwest Insurance Group

Midwest Insurance Group named “Diamond Achiever” in Wisconsin

Delafield, Wisconsin Agency named state’s best in ‘14

Frankenmuth, MI. – At its recent Executive/Agency Round Table meeting, Frankenmuth Insurance named Midwest Insurance Group of Delafield, Wisconsin as the 2014 “Diamond Achiever” for the state of Wisconsin. The award is presented to the agency attaining the highest overall percentage rating in profitability, growth and policy retention.

“The effort and professionalism of the management and staff at Midwest Insurance Group reflects our own goal of exceeding the expectations of those we serve” says Frankenmuth Insurance President and COO Fred Edmond. “The members of the agency’s team are excellent business partners, and it is indeed a privilege to honor the agency with this prestigious award.”

Midwest Insurance Group has been appointed with Frankenmuth Insurance since 2010.

# ##

Frankenmuth Insurance has been providing peace of mind for families and businesses for nearly 150 years. Because insurance is both complicated and critical to people’s lives, we work exclusively with independent agents. With more than 600 employees, we are headquartered in Frankenmuth, Michigan, and offer insurance products in 14 states. Frankenmuth Insurance is financially sound, with more than $1 billion in assets and an A.M. Best rating of “A” (Excellent).