A fallen tree can cause windows to break and a hole in the roof or cladding; even brick and stone can be damaged by impact. It could also have damaged the gas lines. Although the gas pipes are buried, there is a chance that they will be affected if the tree falls in the area where they enter your home. Keep in mind that a windstorm is no one's fault; it's an act of nature.
If a tree damages your property during a windstorm, your policy will cover the damage. After all, that's why you bought a homeowners policy to protect yourself from unforeseen losses, such as a tree damaging your home. Trees not only convert carbon dioxide into oxygen, but they also add a certain level of grace to any property. Unfortunately, while most trees are sturdy, strong winds and storms can cause them to fall.
This scenario can cause distress for homeowners, especially when it comes to taking both financial and physical responsibility. So, if a tree falls on a house, who should pay for it? In terms of ownership, a tree is considered yours if its trunk is located entirely on your property, regardless of the branches that stick out. All old trees occasionally shed small branches, which doesn't mean they're sick, dying, or dangerous. On Tuesday, a 34-year-old tree trimmer from Fort Collins was 50 feet tall cutting when an upper branch gave way, hit him in the head and killed him.
A standard home insurance policy usually doesn't cover the removal of debris from trees, which means you'll have to take care of cleaning your pocket. Cleaning up storm damage can be a difficult task, both physically and emotionally, and things can get especially tense when you discover that it's your neighbor's tree that has damaged your house. Now that you've decided whether or not your insurance covers tree damage, you may be wondering how much exactly it covers. For example, just four days ago, here in Knoxville, a lady was crushed to death when she was driving down the road because of a falling tree.
You can put in new trees when you cut down that 50-year-old tree, but you can never actually replace it, since you'll be dead when the tree reaches a significant size. While property is important, it usually doesn't matter when it comes to who should take responsibility for damage to fallen trees. Many homeowners are surprised to discover that if a neighbor's tree falls on their home, it's usually their own homeowner's policy, not their neighbor's, that covers the cost of the damage. So far, these scenarios have been pretty clear, but what happens when it wasn't a storm that knocked down the tree? Trees lower heating bills in winter, lower air conditioning bills in summer, clean the air and produce oxygen, and larger trees produce more oxygen.
Instead, his neighbor's tree was hollowed out by years of illness and he had forgotten to do anything about it. However, as I recall from safety classes before I retired, for every death there are 10 accidents, so according to this questionable statistic, approximately one person per year is injured by a tree that accidentally falls on it.