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After a storm, many homeowners need to schedule lawn cleanup to address debris left on their properties. Fallen trees and downed branches may be covered under insurance, so it’s important to check your policy. If you’re dealing with this issue, here’s a guide that will help you.

What to Know About Liability If a Tree Falls 

Who pays for repairs?

Every home insurance policy has a list of covered perils that outlines what issues are out-of-pocket expenses. Often, covered events include fire, lightning, windstorms, hail, frozen precipitation, and water damage. This means that if the tree fell because of a storm, the damage may be covered.

Comprehensive policies will cover more accidents, while basic ones might only pay for minimal repairs, such as damage to fences or patios. Call your agent and review your policy.

What if the tree didn’t damage any structures?

lawn cleanup Fairfield County CTMost insurance policies don’t pay for landscaping repairs if there’s no damage to a covered structure.

If the tree is large and requires professional removal because it's blocking a driveway, the policy might pay for the job, as the tree has become an obstacle to those entering the property.

Does tree condition matter?

Yes. Insurance policies often state that they will not cover expenses that arise due to negligence. For example, if the tree on the property was decaying, they often won’t pay for repairs.

If part of the damaged tree landed on a structure on the neighbor’s property, you may also be responsible for the repairs because you failed to address the root cause of the issue before the accident happened.

How do I file an insurance claim?

First, make sure the property is safe by looking for downed power lines. Contact emergency services if live wires are present.

Then, call your homeowners insurance company to explain the damage and file a claim. They’ll likely ask you to email photos of the issue so they can assess the coverage limits. At this time, have a lawn cleanup specialist provide estimates for the work. The tree may need additional trimming to prevent future accidents. Once the claim is processed, the insurance policy will share how much they cover and you can begin the repairs.

 

If you need lawn cleanup or tree trimming to address problematic growth, contact Pepper’s Landscaping & Lawn Service Inc. in Fairfield County, CT. This family-owned and -operated company offers free estimates and 24/7 emergency services if trees fall on your property. They’ll also help you maintain your landscaping with fertilizers, mulch, and pruning to help you avoid problems. Learn more about their tree care services online or call (203) 377-1596 to schedule an appointment.

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