Severe storms and high winds can wreak havoc on properties, and one of the most common dangers is falling trees. If a tree has fallen on your property in Ireland, causing damage, you may be wondering if you can claim it on your insurance policy. The short answer is yes, in most cases, fallen tree damage is covered under standard home insurance policies.
What to Do if a Tree Causes Damage to Your Property?
If a tree has fallen and caused damage to your home or other insured property, it’s crucial to take prompt action to mitigate further damage and begin the insurance claim process:
Step-by-Step Guide Upon Discovering Damage
- Ensure your safety and the safety of others by avoiding the damaged area until it has been secured.
- Take photos or videos of the damage to document the extent and cause.
- If the tree has fallen on your home, making it uninhabitable, your insurance policy may cover temporary accommodation expenses.
- Contact your insurance provider as soon as possible to report the claim and provide them with the necessary details and documentation.
- Follow any specific instructions from your insurer regarding emergency repairs or securing the property to prevent further damage.
- Keep detailed records of any expenses incurred due to the damage, as these may be covered under your policy.
Will I Need to Pay an Excess on the Damage?
Most home insurance policies in Ireland have an excess or deductible, which is the amount you must pay out-of-pocket before your insurance coverage kicks in. The excess amount can vary depending on your policy and the type of claim. In the case of fallen tree damage, you will likely need to pay the standard excess for your policy, unless stated otherwise in your terms and conditions.
Should I Contact a Loss Assessor?
Dealing with insurance claims, especially for significant damage, can be a complex and overwhelming process. In such cases, it may be beneficial to hire a loss assessor, also known as a public loss adjuster or claims consultant. A loss assessor can act as your advocate, ensuring that your claim is properly assessed and processed and that you receive the full compensation you are entitled to under your policy.
How Can I Prevent Trees from Falling on My Property?
While it’s impossible to completely eliminate the risk of falling trees, there are some proactive steps you can take to minimise the chances of damage:
- Regular tree maintenance: Have a certified arborist inspect and trim trees on your property regularly, removing any dead or hazardous branches.
- Remove hazardous trees: If a tree poses a significant risk due to its age, condition, or proximity to your property, consider having it removed by a professional tree service.
- Secure fences and structures: Ensure that any fences, sheds, or other structures on your property are securely anchored and able to withstand high winds.
- Keep gutters and drains clear: Blocked gutters and drains can cause water to accumulate around trees, weakening their stability during storms.
Loss Assessor Dublin: Insurance Claim Solutions
Insurance Claim Solutions is a leading loss assessor firm based in Dublin, Ireland, dedicated to helping homeowners and businesses navigate the complex insurance claims process. With years of experience and a deep understanding of Irish insurance policies, their team of expert loss assessors ensures that clients receive fair and timely settlements for their claims.
Whether you’re dealing with fallen tree damage, fire, flooding, or any other insured loss, Insurance Claim Solutions provides comprehensive support, from initial assessment to final settlement. Their professionals handle all communication with insurers, negotiate on your behalf, and work tirelessly to maximise your claim’s value. With Insurance Claim Solutions, you can have peace of mind knowing that your interests are protected, and your claim is in capable hands.