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!