Do you know what your homeowner’s insurance covers? What kind of
damages would be covered under the insurance policy should something go
wrong? Attorney Thomas Simeone, partner at Simeone & Miller, LLP,
was recently featured in
QuoteWizard’s article regarding homeowner’s insurance and what damages is covered due
to a tree falling. Not many people are aware of what happens when a tree
falls on their property or a neighbor’s property and causes damage.
This means they may also be confused as to what their homeowner’s
insurance policy covers in the event of something like this happening.
For instance, a tree falling can damage your home, vehicle, fence, or yard.
Similarly, it can cause damage to other vehicles on the street, your neighbor’s
property, and even the street itself. Are these types of damages covered
by your homeowner’s insurance? Most homeowner’s insurance
policies cover similar situations and damages, such as those caused by
fire, lightning, theft, falling objects, weather, vehicles, and floods.
While there are certain causes of damages that are covered, it is also
important to know exactly what is covered by the insurance policy.
Tree damage would be considered under the category of “falling objects”
and make it possible for the homeowner or anyone impacted by the falling
tree to be compensated for their losses. This can include compensation
for any damages to the home itself, other structures such as the garage,
personal property such a car, and any other living expenses. Many homeowner’s
insurance policies include liability protection in the event the tree
causes damage to another person’s property as well, protecting you
from having to pay for damage to the other party’s property. If
falling objects is listed on your policy, you should be covered.
Attorney Simeone advises individuals to check their trees thoroughly, making
sure that any trees that can pose a threat to fall are either taken down
or trimmed in order to minimize or eliminate the potential damage completely.
This is can also help you from being deemed negligent, in which case any
damages causes to another person or to their property would not be covered
under the liability of the insurance policy.
If you were on the receiving end of the falling tree and it was caused
by negligence, there is potential for a lawsuit. For instance, if the
homeowner knew that the tree was in bad shape but did nothing to take
it down or remove it, then it fell on you, causing you harm. This can
be grounds for a personal injury lawsuit. In this case, you need a skilled
Washington D.C. personal injury lawyer on your side to help you seek compensation for the damages you have sustained.
Call our team at Simeone & Miller, LLP today.