If you watched the news lately, it seems that time has been causing havoc in the country. The threat of winter storms with high winds and heavy snow and ice may worry about the tree next to your house you should have cut last summer and never did. The chance of this tree become a danger is thin, but for the sake of argument imagine the weight of snow and ice is too much for the twenty year old oak tree and without notice, it comes crashing in the center of your living room . Now what?
Sometimes people are hesitant to start repairs after a loss, fearing that their insurance companies refuse payment if an expert has not approved these repairs. The truth is, all insurance policies have a section describing your responsibility for loss. Reading and understanding this section can give you some guidance as to what you should do in a situation of loss. This same section generally has a language stating that you, as a policyholder, have the responsibility to mitigate your damages. Mitigate your damages simply means that when you suffer a loss, you must take reasonable steps to prevent further damage to your property. Your failure to do so may limit coverage (which is there too).
While the above example may seem extreme, it is quite common. In this situation, you should take steps to prevent further damage. The first thing to consider is if the property is protected against further damage by the elements, continued use, or theft. To secure your property, you may have to contact a contractor, a tree removal service or company that can help you dry the interior of your home in case of water damage.
Like any situation of loss, it is possible that for some expenses out of pocket. Generally, your insurance company will reimburse these expenses, as long as you can provide documentation. If you are concerned about the protection of your property without your approval insurance company, consider taking pictures of damages. What better way to prove a tree fell on your house than the image of a tree in the middle of your living room? Thank you to modern technology, most people have access to a digital camera to take several pictures from several angles. Finally, contact your insurance company and inform them of the loss.
The pain of loss can be difficult, but with few preventive actions on your part, you might be able to keep minor repairs from becoming major problems!
For more information on the damage to trees and your insurance coverage, visit our blog Damage tree - Are you insured
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