{"id":3295,"date":"2015-03-18T08:24:39","date_gmt":"2015-03-18T14:24:39","guid":{"rendered":"http:\/\/www.noyeshallallen.com\/?p=3295"},"modified":"2019-03-27T13:32:38","modified_gmt":"2019-03-27T19:32:38","slug":"if-a-tree-falls-in-your-yard","status":"publish","type":"post","link":"https:\/\/www.noyeshallallen.com\/blog\/if-a-tree-falls-in-your-yard\/","title":{"rendered":"Does Homeowners Insurance in Maine Pay to Remove a Fallen Tree?"},"content":{"rendered":"<p>&nbsp;<\/p>\n<p>If a tree falls in your yard, and no one hears it, is it covered by your insurance? What about the cost to remove a fallen tree? The answer, as it is with all insurance questions, is &#8220;it depends&#8221;. Policy forms vary.<\/p>\n<p>This post assumes that you have an &#8220;HO-3&#8221; <a title=\"Maine Homeowners Insurance from Noyes Hall &amp; Allen | An Independent Agency in South Portland\" href=\"http:\/\/www.noyeshallallen.com\/personal-insurance-landing\/homeowners-insurance\/\">Maine homeowners insurance<\/a> policy using forms from the Insurance Services Office (ISO). This is the most common type of homeowners policy in Maine.<\/p>\n<p><iframe loading=\"lazy\" title=\"A Tree Falls on Your House in Maine! Does Homeowners Insurance Cover It?\" width=\"640\" height=\"360\" src=\"https:\/\/www.youtube.com\/embed\/AGLNVFQ9Rlw?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe><\/p>\n<p>&nbsp;<\/p>\n<h2><strong>Did a Tree Hit Your Home or Other Structure?<\/strong> &nbsp;&nbsp;<a href=\"http:\/\/www.noyeshallallen.com\/wp-content\/uploads\/2010\/02\/tree-damage.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"alignright wp-image-203\" style=\"border: 1px solid black; margin: 10px;\" src=\"https:\/\/www.noyeshallallen.com\/wp-content\/uploads\/2010\/02\/tree-damage.jpg\" alt=\"tree damage\" width=\"368\" height=\"277\"><\/a><\/h2>\n<p>If so, you probably have coverage for:<\/p>\n<ul>\n<li>The cost to remove the tree<\/li>\n<li>The damage to your home, fence or other structure<\/li>\n<\/ul>\n<p>But, not coverage of the cost to replace the tree itself.<\/p>\n<h2><strong>Is a Fallen Tree Blocking Your Driveway?<\/strong><\/h2>\n<p>Depending on the edition of your home insurance policy in Maine, you may have coverage for at least some of the cost to remove a tree that&#8217;s blocking your driveway. Even if it didn&#8217;t damage any of your property, the 2000 edition of the HO-3 policy provides $1000 of coverage ($500 max per tree). Older forms have no coverage unless the tree hits a covered structure.<\/p>\n<p>&nbsp;<\/p>\n<h2><strong>Did a Tree Fall on Your Car?<\/strong><\/h2>\n<p>If so, your auto policy, not your homeowners policy, might pay to fix your car. Hopefully, you have Maine auto insurance, and chose to buy &#8220;other than collision&#8221; (widely known as &#8220;comprehensive&#8221;) coverage. The cost to remove the tree is not covered by either home or auto insurance, unless the tree blocks your driveway (see above).<\/p>\n<h2><strong>If There&#8217;s No Damage, There May Be No Coverage<\/strong><\/h2>\n<p>If a tree falls without damaging any insured structures or blocking the driveway, you will likely need to pay the costs to remove it. Some insurance policies provide a limited amount of coverage for these cases. Check with your agent or insurance company to see if yours does.<\/p>\n<h2><strong>Did Your Tree Hit Your Neighbor&#8217;s Property?<\/strong><\/h2>\n<p>If so, the damage would be covered under THEIR homeowners policy, not yours. If the tree fell due to obvious neglect, your liability insurance might apply. For a more detailed explanation, see our prior post &#8220;<a title=\"Is Your Fallen Tree Covered by Maine Homeowners Insurance? | Noyes Hall &amp; Allen | South Portland \" href=\"http:\/\/www.noyeshallallen.com\/is-your-fallen-tree-covered-by-maine-homeowners-insurance\/\">Is Your Fallen Tree Covered by Maine Homeowners Insurance?<\/a>&#8221;<\/p>\n<h2><strong>Tips to File an Insurance Claim for a Fallen Tree<\/strong><\/h2>\n<ul>\n<li>Take photos, preferably from different angles to show the damage.<\/li>\n<li>If utility wires are involved, stay away! Call your electric utility to have the wires cleared.<\/li>\n<li>Call your insurance agent or company to report the claim.<\/li>\n<\/ul>\n<p>If you live in Greater Portland Maine, <a title=\"Our Team | Noyes Hall &amp; Allen Insurance | South Portland Maine\" href=\"http:\/\/www.noyeshallallen.com\/about\/our-team\/\">contact a Noyes Hall &amp; Allen Insurance agent<\/a> for answers to your <a title=\"Portland Maine area Renters Insurance from Noyes Hall &amp; Allen \" href=\"http:\/\/www.noyeshallallen.com\/personal-insurance-landing\/renters-insurance\/\">Maine renters insurance<\/a>, homeowners insurance and condo insurance questions. 207-799-5541. We&#8217;re independent and committed to you.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>&nbsp; If a tree falls in your yard, and no one hears it, is it covered by your insurance? What about the cost to remove a fallen tree? The answer, as it is with all insurance questions, is &#8220;it depends&#8221;. Policy forms vary. This post assumes that you have an &#8220;HO-3&#8221; Maine homeowners insurance policy [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5,13,15,18],"tags":[41,64,62,63,30],"class_list":["post-3295","post","type-post","status-publish","format-standard","hentry","category-car-insurance","category-homeowners-insurance","category-renters-insurance","category-weather","tag-claims","tag-insurance-agent","tag-maine","tag-portland","tag-storms"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.noyeshallallen.com\/blog\/wp-json\/wp\/v2\/posts\/3295","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.noyeshallallen.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.noyeshallallen.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.noyeshallallen.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.noyeshallallen.com\/blog\/wp-json\/wp\/v2\/comments?post=3295"}],"version-history":[{"count":6,"href":"https:\/\/www.noyeshallallen.com\/blog\/wp-json\/wp\/v2\/posts\/3295\/revisions"}],"predecessor-version":[{"id":5494,"href":"https:\/\/www.noyeshallallen.com\/blog\/wp-json\/wp\/v2\/posts\/3295\/revisions\/5494"}],"wp:attachment":[{"href":"https:\/\/www.noyeshallallen.com\/blog\/wp-json\/wp\/v2\/media?parent=3295"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.noyeshallallen.com\/blog\/wp-json\/wp\/v2\/categories?post=3295"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.noyeshallallen.com\/blog\/wp-json\/wp\/v2\/tags?post=3295"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}