Determining Coverage Vulnerabilities
As beautiful as trees surrounding your home may be, sometimes they take a fall for the worse. As a homeowner, it is important to understand when you will receive coverage for these occurrences and when you will be left to pick up the tab. Keep these common incidents in mind for determining your coverage vulnerabilities:
• Trees – If a healthy tree were to fall and damage your fence, your home insurance policy would likely replace the fence, while also covering the cost of removing the tree and any accompanying debris.
• Neighbors’ Tree – It is important as a homeowner to know that you still receive coverage, even if the tree is not yours. You will still file the claim with your specific insurance company, but your neighbor’s insurance company may be responsible for the damages if your neighbor clearly neglected maintenance necessary to prevent the tree from falling.
• Storms – If a named peril on your policy causes the tree to fall on your fence, your homeowners insurance will likely cover all costs associated with the damages.
Contact Accurate Insurance Inc. in Spokane for all of your Washington home insurance needs.