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.