You just rescaping your yard, you plant that magnificent tree, added bushes and shrubs with a little bit of flowers. Two days later rainstorm hit and left your yard in a mess. My tree is still standing, you thought, so you plant once again the shrubs and flowers, only to find out that your tree is rotten and fall into your property. Does this scenario seem familiar to you? You might ask yourself what to do and just realize that you have an insurance. It’s time to check; does your insurance policies cover this kind of damage? Here you can find the details explained by Plano Landscaping
Most of home insurers also offer coverage for your lawn and landscaping, only they usually do not cover every scenario. It is wise to check what your insurance covers, before the unexpected, such as landscaping damage occurs. Standard home policies usually pay to replace trees, shrubs and plants against disaster such as fire, explosion, vandalism, lightning, theft and damage caused by another people’s vehicle. While damage caused by weather conditions, for example wind, snow, or damage caused by pests are also included in standard homeowners’ policies, but usually available with added cost.
Let’s say a heavy rainstorm hit your area, and some structure in your lawn were damaged. The typical coverage from insurer for these cases is 10% of your house protection limit. Another scenario, your neighbor rotten tree suddenly fall and hit your shed. Standard home insurance will cover for the removal of the tree, typically between $500 to $1,000 for tree or shrub removal. While the cost to repair your shed will be covered based on your coverage limit.
Wait, you think, what if my tree falls on my yard but does not damage any structure, for sure my insurer will pay for the cost to remove that tree, right? Well, the bad news is most policies won’t cover for this scenario. They also won’t cover for damage structure if it was caused by your negligence or lack of maintenance. It means if you let a tree in your yard to rot and at the end it fell damaging your structure, then your insurer will see it as your negligence. If a heavy windstorm brings down your tree and crash in your driveway, then insurance company will pay for your cost to remove the tree. However, the insurer will not cover the replacement cost of the tree itself.
Another scenario is when you decide to beautify your land. You bought the right tools and equipment, which don’t come cheap. After weekend use, you store them in your shed, and find out the next weekend that they are gone. If you are familiar with this situation, fortunately, most tools and equipment to maintain your lawn are covered by home insurance. This coverage fall under personal property coverage, along with your belongings. If your equipment is stolen or damaged, your home insurance policy will reimburse you for the cost to replace it (or repair). The coverage limit is usually between 50% to 75% of your house coverage limit.
Homeowners insurance usually include coverage for your unattached structures. But it is better to clarify this with your insurer, and ask exactly which structures are covered. If your insurance does not have this coverage, then you can add for it with additional fee.
What if you found rodents destroying your flower bed? Or gophers eating away your tree bark? Would your insurance policy cover the cost to exterminate them? Be cautious because some insurance company won’t pay claim caused by, what they categorize as, common nuisances or preventable with bait and traps.
Based on these various scenarios, it is wise to take a look at your own policy, because insurers treat scenarios differently. Take note that your landscaping must be located on the grounds where your house is insurable. You cannot have your garden in separate location, for example in the neighborhood green space, and insure it by your policy. The same conditions also apply if you use your lawn for any sort of business purposes, your insurer will not pay for any claim even if the damage is technically covered.
It is also wise to consider purchasing an add-on, that will give more protection to your trees, shrubs, and plants. You can increase the amount a coverage if you see fit. Compare insurance coverages from several companies to get the most competitive one. Also ask your friends and family about the kind of insurance that they have. This will give you an idea of what you really need for your house.