Understanding Insurance Disputes After a Fallen Tree: Navigating Weather-Related Claims
When unexpected storms cause damage to your property, such as a fallen tree, the aftermath can be complicated—especially when insurance claims are involved. Recently, a homeowner faced such a situation after a tree collapsed onto their shed. The local certified arborist confirmed that the tree was brought down by a combination of wind and rain, yet their insurance provider disputed this, claiming the damage was solely due to rain and subsequently denied the claim.
This scenario raises important questions about how insurance companies evaluate weather-related damages and what steps homeowners can take when disputes arise.
The Discrepancy Between Expert Advice and Insurance Assessments
In this case, the homeowner hired a certified arborist to assess the cause of the tree’s fall. Their assessment indicated that both wind and rain contributed to the incident. However, the insurance company’s evaluation disagreed, asserting that rain alone was responsible, leading to claim denial. Notably, no insurance adjuster or representative visited the property to conduct an independent assessment.
Is It Common for Insurers to Dispute Weather-Related Damage?
Insurance policies often specify what types of storm damage are covered. Many policies cover damages caused by wind, hail, and other specific weather events but may exclude or limit coverage for damage attributed solely to rain or gradual deterioration. Insurers may also contest claims if their assessment differs from external expert opinions.
It is not uncommon for insurers to deny claims based on their evaluations, especially if they believe the damage falls outside the policy’s coverage parameters. However, policyholders have rights and options to challenge such decisions.
How to Respond to Insurance Denials
If you find yourself in a similar situation, consider the following steps:
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Gather Evidence: Collect detailed reports from qualified professionals like certified arborists or storm damage experts. Photographs, videos, and diagrams can also support your case.
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Review Your Policy: Carefully examine your insurance policy to understand what types of damage are covered and any exclusions related to weather events.
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Request a Reassessment: Contact your insurance provider to request an in-person inspection or a second opinion from an independent adjuster.
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File an Appeal: Most insurance companies have an appeals process. Provide all supporting documentation and a clear explanation of the discrepancy between the insurer’s assessment and your expert’s findings.
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Seek Professional Assistance: If necessary, consult with a legal professional or an insurance claims advocate who
