Yes, there's a 12% chance that branch will fall. Fallen trees can cause thousands of dollars in damage to a home and pose a great risk to those who live in it. Damage to trees in a home is generally covered by home insurance, according to the Insurance Information Institute. But it's much better to avoid having to file a claim in the first place.
In forests, trees compete for sunlight. They concentrate their growth where light is available, while their lower branches often wither and die in the shaded undergrowth. Where densely wooded land adjoins roads, the open area of the road allows sunlight to reach the lower parts of the trees. Trees respond by growing laterally toward the light.
As seen in the second image, this often results in unbalanced trees with lots of heavy branches facing the road, while fewer and smaller branches grow on the wooded side (represented by the red line). In addition, trees usually grow with a steep incline. The first thing is to make sure that everyone in your household is safe, including pets, and then follow the tips below to get your house back in order. When a tree falls on the house, there is always the possibility that it will take the power lines with it.
This creates a dangerous situation with an increased risk of fire or fatal electric shock. Signs that a power line isn't working include a lack of electrical power in the house or flashing lights. From the outside, you might be able to see if a power line is stuck in the fallen tree. In some cases, a fallen line may still work, but it still creates a risk, so cut off the power to the switch box if you know or even suspect that the tree carried a line with it.
Call the authorities and your local power company. If it smells of smoke, take your family out of the house and call your neighbor's. The power company will send technicians to repair the lines. Local law enforcement may need to block traffic on the street, and the fire department may send a unit to stand by as a precautionary measure until security is restored.
A fallen tree can cause windows to break, as well as 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 house. As a precautionary measure, it's a good idea to cut off the gas in the meter until you're sure the pipes haven't been damaged.
You will find a stop valve near the meter. To turn off the gas, use a wrench to turn the valve a quarter of a turn to the right. Call an accredited contractor to cover broken windows and any holes in the roof or sides of your house with canvas or boards. This step will protect the interior of your home and your belongings from further weather damage.
If you want to participate in covering broken windows, do it carefully to avoid sharp glass, but it's best to let professionals choose roof tarpaulin. Some parts of the roof may not be stable enough to walk safely. A tree falling on a house can cause extensive (and costly) damage. The following tips will help you get the most out of your insurance coverage in the event of this disaster.
Take photos or a video of the damage both outside and inside as soon as all the immediate danger has passed. Stay on the floor and let a roofing professional take pictures of the ceiling. Document broken windows, damaged coating, structural damage and damage to the contents of your home. Don't leave anything out; the photographs you take now are vital as proof of your insurance claim.
You may be asked to consult two or three local contractors for estimates for repair work. Or, depending on your insurance company, a claims adjuster can be sent to examine your home. In that case, the adjuster will determine the magnitude of the damage and the corresponding repair costs. If an “act of nature”, such as thunderstorms, ice storms, and strong winds, caused the tree to fall on the house, in most cases, your policy will cover the repair costs, minus your deductible.
Your policy will pay even if the fallen tree belongs to a neighbor or municipality in a “natural act” situation. However, your claim could be denied if you caused the tree to fall through a reckless action, such as trying to cut it down without professional help. Depending on your policy, your insurer may impose limits on specific repairs, such as the price of removing trees. If costs exceed the amount allowed, you may be responsible for the balance.
If the full amount offered by your insurer does not cover the cost of the estimated repairs, you have the right to appeal your decision and have your claim reevaluated. If this occurs, submit offers from contractors that demonstrate that the costs are higher than your insurer allows. Expenses incurred for emergency damage control are almost always covered, so keep your receipts if a contractor put a tarp on your roof or windows with boards. If your home is not habitable, your insurance company can also reimburse you for part of the costs of temporarily renting an apartment or staying in a hotel.
However, don't just assume that all your expenses will be covered, call your agent to be sure. Legitimate contractors often request payment for materials before starting work, but should not request an advance payment for their labor to perform repairs. If the repairs are extensive and will take more than a few weeks to complete, the contractor may reasonably request that partial payments be made according to an agreed schedule, but the final payment should only be made when the repairs are satisfactorily completed. Yes, but the fall of a tree on a house can cause great damage.
It depends on the size of the tree and the areas of the house that are damaged. In most cases, if an “act of nature” causes a tree to fall, the owner who suffers the damage is responsible for the cost of the repairs. Yes, in most cases, fallen trees (as long as the reckless behavior didn't cause the tree to fall) are covered by homeowners insurance. Trees in poor health or with previous damage are more likely to fall during an “act of nature”, such as an ice storm.
If you detect a disease or damaged limbs, you should be concerned about a tree falling. It is best to call a professional to remove unhealthy or damaged trees before an “act of nature causes a tree to fall”. The articles may contain affiliate links that allow us to share the income from any purchase made. That calculation will help you decide if it's worth spending money to keep the tree alive and upright, remove it, or simply let nature take its course and tear it down at will.
To protect trees from lightning, an arborist can ground a tree with a copper cable system that extends from near the top of the main trunks to the copper rods. When these trees die, are blown away by the wind, or collapse due to snow and ice loads, they usually fall onto the road. Fortunately, there are often warning signs that something is wrong with a tree, said Tchukki Andersen, an arbologist on staff at the Tree Care Industry Association, a trade group for tree professionals. I was a little surprised to discover that one of the giant sugar maples that distinguished the property had collapsed, almost destroying the detached garage, which was crushed to the ground like a pancake.
Installing a driveway, placing an addition, and excavating utility lines puts nearby trees under stress. A mature tree can represent up to 10% of the appraised value of your property, depending on your market. . .