Insurance may not cover a tree falling on your Charlotte home. Here’s why

Earlier this month, a Charlotte family was forced to move out of their home after being damaged by a tree as storms moved through the area.

Delcovia Gettys and her family were in their home on Norris Avenue in north Charlotte when they heard a loud bang form the tree, she told WSOC.

“Out of nowhere, I heard a “boom,” Getty’s said. “I thought it was thunder. I heard screaming, crying from my bedroom.”

No one suffered any serious injuries, reported WSOC.

Home insurance companies offer policies that can help pay for the cost of damages to your home caused by fallen trees. But they sometimes may not always cover the charges.

Does your insurance cover tree damage?

Home insurance policies typically protect your home against specific losses called perils, according to Allstate.

Perils usually include damage caused by wind, so if a tree that is otherwise healthy is damaged by your home because of the weather, you’ll likely be covered.

Insurance may cover tree removal from $500 to up to $1,000, depending on your policy, according to the Insurance Information Institute.

However, policies typically won’t cover damages caused by negligence, Allstate says. For example, if a tree was rotting or in poor condition, homeowners insurance probably would not cover any damage to your home.

If a tree falls on your property but does not cause any structural damage, your insurance policy will not cover other costs, such as debris removal, the agency said.

Allstate explained that homeowners insurance will not cover the cost of damage if a tree falls on your car. But you may be able to file an auto insurance claim to help pay to repair your vehicle.

What if a neighbor’s tree causes damage to your home?

If a neighbor’s tree falls on your home or any other structure on your property, your insurance company may contact their insurance company in an attempt to collect the cost of damages. However, that can happen only if it can be proven the tree was in bad condition before it fell, according to tree-falls-on-home-charlotte/275-8195505f-31ee-4f1a-9eb1-47293630dd68″ data-ylk=”slk:State Farm Insurance;elm:context_link;itc:0″ class=”link “>State Farm Insurance.

“In most jurisdictions, if the tree causing the damage is healthy the owner of the damaged property submits the claim to his or her insurance,” the company said.

“If a customer feels a neighbor’s tree poses a threat to their property, from deteriorating tree health or other similar concerns, they are encouraged to share their concerns with their neighbor,” State Farm said.

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