In New York, falling or downed trees present several risks for property owners and their visitors. For this reason, property owners are advised to complete vital tasks, such as the pruning and trimming of all trees on the property. A dead branch could fall at any time if it isn’t removed promptly. A local claims adjuster explains what to expect from Downed Tree Insurance in Nassau County NY.
Coverage for Property Damage
Mismanaged trees produce property damage in seconds. During a storm, a damaged tree branch could fall onto the roof and into the property. The size of the tree branch and its weight define how extensively the property is damaged. Claims adjusters complete a property inspection and record all the damage when processing the claim.
Coverage for Damaged Utility Lines
Tree branches that grow too far outward could interfere with utility lines. Typically, city ordinances require the property owners to keep their trees trimmed to an appropriate length and height. If a homeowner doesn’t comply with the ordinance, the owner is liable for any utility lines that are damaged. An insurance claim helps the owner cover the cost of replacing and repair the utility lines.
Personal Injuries and Related Liabilities
Personal injuries and related liabilities are also possible if a tree falls. The events are unpredictable, and anyone on the property is at risk if the tree falls without warning. Personal injuries are covered under certain property insurance policies.
Auto Damage Coverage
A tree that falls onto an automobile is covered under certain circumstances. The auto owner must have a legitimate reason for being on the property. If the property owner doesn’t have warning signs for the potential risks, the owner is liable for any auto damage that occurs due to their trees.
In New York, insurance coverage is available for a variety of perils. Falling debris, such as tree branches or uprooted trees, are covered under most homeowner’s insurance policies. If a tree falls on the property and causes damage, the owner files a claim through their insurer. Property owners who want to learn more about Downed Tree Insurance in Nassau County NY can contact Maximum Adjustment Inc right now for more information. You can also visit them on Facebook for more information.
