While you might not think that your home could be damaged by a falling tree, it actually happens more often than you could imagine in Ohio. Even if you think that there is a slim chance that this could happen to you, it is very important to realize that things like this can happen and that having insurance coverage in place could save you a lot of time, money, effort, and stress, which we all want to avoid at all costs. The best way to protect yourself from the after effects of a tree falling on your house is to be prepared and the best way to do that is by making sure that you are properly insured, specifically with Ohio homeowners insurance.
Why did it Happen?
Now that we have covered why it is important to have precautionary coverage, let’s talk about what to do if a tree falls on your house in Ohio. You first will need to evaluate why the tree fell. Was is because it was getting old and you could have had it removed or was it a healthy tree that fell due to the wind? This will be a big decider in whether or not the damages are covered. If the case was that the tree was healthy and it wasn’t really your fault, then your homeowners insurance will most likely cover the damages. If the case was that the tree was old or unhealthy and should have been cut down, then you might find yourself actually liable for these damages. This is because by not taking care of your property, or the tree on your property, you essentially put your home in danger and therefore are responsible in the eyes of most insurance companies.
Who to Contact
The next step in what to do if a tree falls on your house in Ohio will be to contact your insurance company. You need to see if they will cover the damages that you have and you need to know exactly what repairs they will pay for. This will guide you in what you should repair now, how much it will cost, etc. Once you find out what is being covered by your insurance company, you can move on to the next step in what to do if a tree falls on your house in Ohio. The next step is to contact the people to do the work that your insurance company or you yourself will pay for. This could include someone to fix you roof, someone to remove the tree from your property, etc. You will also want to see which possessions of yours, if any, were damaged when the tree fell.
What about Your Neighbor?
One important thing to keep in mind when considering what to do if a tree falls on your house in Ohio is to also think about any neighbors that were involved or affected by the tree falling. This goes back to liability, but if the tree was unhealthy and you chose not to do anything about it, you could be held liable for damages. If a tree were to fall and damage your neighbor’s property, you could end up paying a good amount of money to repair your neighbor’s property. If the tree fell in your neighbor’s yard, not because of neglect but because of something like a storm, they will likely have to file a claim to their own insurance company. This will then most likely become the insurance company’s monetary liability, but this again depends on why the tree fell and all of the details surrounding that. This is why figuring out who was at fault is a vital part of the process in what to do if a tree falls on your house in Ohio.
When it comes to the debri clean-up side of things, insurance companies will usually not pay to have the tree debri removed from your property if it did not cause any damages. This just means that you should expect to take care of this part yourself. You should also be sure to have professionals come out to look at the property and be sure that there aren’t any additional problems that need fixed. With trees falling, there are sometimes issues caused, even by the roots of the tree. These types of things can really affect your house or the foundation of your house. Even though you may not see all of these damages, that doesn’t mean that they didn’t occur.
To sum it up…
What to do if a tree falls on your house in Ohio can be summed up pretty simply. Contact who you need to contact, evaluate how/why this happened, get your property checked out by professionals, and figure out you and your neighbor’s liabilities. We hope that this article was helpful in giving you some guidance on what to do if a tree falls on your house in Ohio. As always, you should be sure to get expert opinions if something like this were to happen to you. It is also very important to contact professionals to, again, check out your property, as your personal safety and the safety of you family is extremely important.
If you follow these steps as well as making sure to contact the proper people, you will be on your way to rebuilding from your unfortunate tree-fall situation. If you have other specific questions regarding fallen trees in Ohio, feel free to reach out to the Cobos Insurance Agency at 440-233-6199!
If you own a business that provides a service to someone at a cost, errors and omission insurance is definitely something that you will want to look into for your business. This policy will provide you with the coverage that your business liability insurance will not. While business liability insurance covers things like injuries and property damage, other things like human errors aren’t covered under something like business liability insurance. With errors and omissions insurance, your employees as well as yourself don’t have to worry about certain mistakes when you have this coverage in place, as errors and omissions insurance covers things like human errors and cases brought on your company for negligent acts.
Not only does this policy provide you with coverage, but it is usually customized to fit your business's individual needs. At Cobos Insurance we pride ourselves on tailoring policies to meet client's needs. No two businesses are the same and therefore no two businesses need the same coverage. For example, a company that works with metal products doesn’t need the same types of coverage as a company that builds houses, which is why professional errors and omission insurance and the fact that it provides customized coverage is so important. Professional errors and omissions business insurance for Ohio contractors and tradesmen is something that will work with your company to see exactly what it needs and will fulfill those needs however they can. It is definitely worth checking out if you want to make sure your business is fully protected.
Because most businesses produce a product or perform a service to a product, it is important that your company has the proper policy in place that will protect you in cases of damage, error/mistakes, etc. Faulty workmanship and negligence happen in just about every company. No matter how many interviews you put people through and how careful you are with who you hire, there are always going to be people who act negligently at times and sometimes end up damaging something or messing something up. There is also the case of human error. No human is perfect, which means that everyone makes mistakes sometimes and it is sure to happen regularly within business situations. This is why it is so important to make sure your company is protected by professional errors and omissions business insurance for Ohio contractors and tradesmen.
One example of a situation that you would definitely want to consider professional errors and omissions business insurance for Ohio contractors and tradesmen would be if your house-building company built a house and found out late that an employee of yours made a mistake while they were building the ceiling of this house. If the ceiling breaks, the family may try to sue your company for the mistake made. If your construction company has professional errors and omissions business insurance for Ohio contractors and tradesmen, then you would not have to worry about the financial losses, etc. that would have resulted from this. Things like this happen all of the time for those that are contractors and tradesmen or those that own these types of companies. It is better to be safe than sorry in these situations, especially because they do happen and when they happen, customers are usually not the happiest. This type of coverage will give you a peace of mind and ensure that you won’t take a huge hit if a mistake were to happen.
Another example of a real-life situation in which you would benefit from professional errors and omissions business insurance for Ohio contractors and tradesmen would be if your electrical company did the wiring in a brand new house and something went wrong. If, for some reason, your employees made a mistake with the wiring that caused a fire to start and the house to burn down, you would not be in a good position uninsured. You would likely have a good amount of lawyer fees and potential huge fines that could even put your company out of business if you didn’t have the proper insurance policies in place. If, however, your company had error and omissions insurance, you would have the safety of not losing millions and of not going bankrupt. Error and omissions insurance would enable you to feel safe and at peace always, knowing that your company is in good hands, even if mistakes are made.
To sum it all up, professional errors and omissions business insurance for Ohio contractors and tradesmen is important. Whether you own a construction business or a plumbing company, mistakes will happen. Mistakes will be made when building houses, sometimes mistakes that cause enough issues that a family may sue. Pipes may leak and ruin a cabinet after someone in your company made a mistake while fixing said pipe. Human error is one thing that you, as a business owner, can not really control, but with professional errors and omissions business insurance for Ohio contractors and tradesmen, you can rest easy knowing that no matter what mistakes are made, you have a policy that gives you coverage and allows you to know that your company is in good hands. It is important to note that every company is different and that every business needs to seek out the best plan for them individually. While this article will help you to understand errors and omission insurance, you will want to do further research and speak with professionals, like those on staff at Cobos Insurance, to find the best fit for your company.