Emergency Tree Removal
So, you had a tree fall and hit your house? You probably have a lot of questions. Below we have detailed out some of the common questions and main issues that you’re going to face in filing your insurance claim, and the basic steps of how to get through the process.
Step 1
File your claim - if a tree is hit your house, and there's damage, the first thing you need to do is get the claim started and get your claim number.
Step 2
Research and find a reputable tree service with experience in handling insurance claims. There's a big difference between cutting down a tree and randomly assigning a price that may or may not be covered by your insurance vs. navigating the steps of an insurance claim, understanding what and what will not be covered, and making sure that every I is dotted and t's are crossed. You want to hire a tree service who Has experience in both of these processes.
Step 3
Hire the tree service and get safe! The number one priority is to make sure that you and your loved ones are safe. Any tree service who has experience with insurance claims can tell you that competitive bids are not of the utmost priority. As long as the pricing is reasonable and customary, your insurance will cover the cost of removal of the tree off the structure. Questions about what your insurance company will cover? Click here to find out when a tree is covered and when it's not.
Step 4
Pay the tree service and get reimbursed from your insurance company minus your deductible. In most cases, tree services require payment upon completion. After the tree is removed from your house, and tarps are installed on your roof, typically speaking, you will pay the tree service and your insurance company will cut you a check to reimburse you for your expenses. The insurance company will tell you to make sure to keep receipts. This is crucial in submitting your costs and getting reimbursed. Also, make sure that you keep photos of the entire process as your insurance company may need that for documentation purposes. Lastly, keep in mind that your insurance company oftentimes will withhold your deductible from the first check that they issue on the claim which is typically the same check that they cut for the tree service and tarping fees.