Due to wind damage a huge tree needs removal quoted at $2,500. I have $2,000 deductible for wind damage. Might this qualify for a claim?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Mar 17, 2016

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Insurance Question from Goodview, MN

Asked on 03/17/2016

Due to wind damage a huge tree needs removal quoted at $2,500. I have $2,000 deductible for wind damage. Might this qualify for a claim? NULL

Answer given on March 28, 2016

Homeowner insurance covers direct loss to your home and personal property, less your deductible. If a tree is damaged due to winds, it must do damage to your home before the insurance will pay for any removal costs. If the tree has simply fallen in your yard, then your insurance company will not pay for the removal. If it struck the house, the insurance will sometimes only pay to remove the portion of the tree on your home. Different insurance companies handle this type of loss differently.If the tree hits a neighbor’s home, then your insurance could pay to remove the tree. Or if the tree hits a fence, they would pay for partial costs to remove it from the fence. In the case of the neighbor’s property, there will be no deductible for the removal of the fence.

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