How to Work with Insurance Companies After Storm Tree Damage
Hurricane Helene wreaked havoc on homeowners across the Carolinas, and fallen trees affected thousands of families. Many lessons were learned about navigating insurance claims and dealing with insurers. Here are some lessons to apply in the unfortunate case that storm damage strikes your home.
1. Know Your Policy’s Coverage.
Most policies have specific limits for tree removal—often $500 to $1,000—but allow reasonable expenses for mitigation. Understanding this distinction can prevent unnecessary out-of-pocket costs.
2. Understand Mitigation Responsibilities.
First of all, what are mitigation responsibilities? That means taking steps to prevent further damage to your property. If a tree has punctured your roof, cover the exposed area with a tarp to prevent water damage. If branches are hanging precariously, they may need to be removed to avoid further structural strain on your home. But leave that task to a professional.
Most homeowner policies include clauses requiring homeowners to take reasonable measures to protect their property after a loss. Ignoring this can lead to denied claims. The bottom line? After storm damage to your home, take immediate steps to prevent further damage to your home from water or other elements.
3. "Three Quote" Requests? Not so fast.
Your insurer might ask for multiple quotes before approving work. While this isn’t illegal, it’s not mandatory. You’re not required to get three quotes. Choose a reputable company you trust and that knows how to handle insurance billing.
4. Avoid Settling Too Quickly.
Never lose sight of the fact that your insurer will prioritize their interests. You need to be prepared to advocate for yourself. Insurers may offer quick settlements that don’t reflect the true cost of repairs. Think twice before accepting a lowball offer from your insurer. You might get offered $4,000 for a job that actually costs $30,000. Be cautious.
5. Hire Experienced, Insured Professionals
Experience working with insurers is an important question to ask tree services when you’re evaluating them. Different insurance companies have different ways of doing things. A knowledgeable tree service experienced in insurance claims can help document the work and communicate effectively with adjusters, ensuring proper reimbursement.
By knowing your rights and responsibilities, you can navigate the claims process with confidence and avoid costly mistakes.
Need a tree crew you can depend on? Call or text us at (864) 520-9084 or get a free estimate today.