Handling Insurance Disputes Over Storm-Damaged Trees: What Homeowners Need to Know
If you’ve recently experienced a fallen tree damaging your property, navigating insurance claims can become complicated—especially when there’s disagreement over what caused the incident.
Case Overview:
A homeowner encountered this challenge after a tree collapsed onto their shed. An independent, certified arborist concluded that the fall was due to a combination of wind and rain. However, the homeowner’s insurance provider contested this assessment, claiming the fall was solely caused by rain, and as a result, denied the claim.
Is This Common?
It’s not unusual for insurance companies to scrutinize claims and dispute the causes of damage, particularly when coverage hinges on specific events like storms or weather conditions. In this situation, the insurer did not send an adjuster to physically inspect the scene, which can make it more difficult to prove the cause and extent of damage.
What Can Homeowners Do?
If you find yourself in a similar predicament, consider the following steps:
– Obtain a detailed, professional assessment from a qualified arborist or storm damage expert. Document their findings thoroughly.
– Request an in-person inspection from your insurance adjuster, presenting all supporting evidence.
– Review your policy carefully to understand what types of damage and causes are covered.
– If disagreements persist, file an appeal with your insurance company, providing expert reports and evidence.
– Consult with a local insurance claims attorney or consumer protection agency if the dispute remains unresolved.
In summary, disputes over storm-related damage are common, but with clear documentation and professional evaluations, homeowners can improve their chances of a fair resolution. Stay informed and persistent to ensure your claim is properly considered.
If you’ve experienced similar issues, share your experiences or questions in the comments below. We’re here to support you through these challenging situations.
