Is Tree Damage Covered by Homeowners Insurance in Greensboro?
Severe storms in Greensboro can do more than rattle your windows—they can drop trees and branches straight through your roof. But when it comes to filing a claim, many homeowners aren’t sure what’s actually covered. Here’s what you need to know about tree damage and insurance coverage.
1. When Is Tree Damage Covered?
Most homeowners insurance policies cover tree damage if the tree fell due to a covered peril—such as wind, hail, lightning, or the weight of ice. That includes damage to your roof, siding, fences, and even detached structures like garages or sheds.
2. When It’s Not Covered
If the tree was dead, diseased, or poorly maintained, your insurer might deny the claim. Insurance companies often look for signs of negligence. That’s why it’s important to keep trees trimmed and healthy—and document maintenance if possible.
3. Who Pays If It Was Your Neighbor’s Tree?
Even if the tree was on your neighbor’s property, your policy is typically responsible for your home’s repair. However, you may be able to recover the deductible from their insurance if negligence can be proven. Our insurance claim specialists help sort out these tricky cases every day.
4. Start With an Inspection—But Stay on the Ground
Do not climb your roof to assess the damage. Our pros at Old Timers Roofing, Inc. use drone tech and professional equipment to evaluate the situation safely and quickly. We service all neighborhoods including Irving Park, Sedgefield, and Lake Jeanette.
5. What You Should Document
Take wide and close-up photos of the fallen tree, the impacted area of the roof, and any interior signs of damage like leaks or cracked ceilings. Our team adds high-resolution and thermal imaging to strengthen your case.
6. File Quickly, Then Let Us Supplement
Time is critical. File your claim promptly and let us provide a complete inspection report, photos, and a certified scope of repairs. We regularly increase initial payout estimates by 30%–50% through legal, ethical claim supplementation.
Bonus: Tree Removal Might Also Be Covered
Depending on your policy, removal of the tree itself (especially if it blocks access or damages insured structures) may be reimbursed—usually up to a dollar limit. We can help you file for this secondary coverage.
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