Texas is no stranger to natural disasters. Tropical storms, hurricanes, and tornadoes regularly visit the state of Texas and leave a trial of disaster once they’re finished. It should come as no surprise that fallen debris can cause serious damage, especially if it’s an uprooted tree.
Broken, fallen or uprooted trees can cause significant damage. Whether it’s on your garage, home, fence, car or porch; fallen trees can cause a structure to collapse or be destroyed completely. What’s worse is that a fallen tree can occur outside of a natural disaster. Some trees fall or break because of damaged, shallow or unestablished root systems.
If your property has been damaged by a falling tree and your insurance refuses to cover the damage, we recommend you contact an experienced insurance claims attorney immediately.
Attorney for Fallen Tree Claims in Texas
When a tree falls it can create substantial damage depending on where it lands. Home or business owners must then turn to their insurance companies to recover from the event completely. Unfortunately, some insurers will attempt to deny you the full value of your claim so they can profit off your policy. If you believe this may be happening to you, we recommend you consult an experienced fallen tree claim attorney in Texas.
Our advice is to contact the experienced property damage attorneys at LeMaster & Ahmed PLLC. Our insurance lawyers have been practicing and representing for damage claims policyholders for years in Texas. We understand that struggling legal issues and your daily life can be overwhelming. We want to help by providing you with effective representation you can trust. Call us now at (888) 306-2119 to set up a free consultation. Our offices are based in both Plano and The Woodlands.
Overview of Fallen Trees in Texas
- Who’s Liable if a Tree Falls on My Property?
- Will My Insurance Remove the Tree and Debris?
- Why Did My Insurance Reject My Claim?
- Additional Resources
Who’s Liable if a Tree Falls on My Property?
If a tree falls on your property, then your insurer should cover the damages. You will simply need to file a claim with your insurance company to receive coverage for any losses. However, some insurance companies will do whatever they can to make a profit off your policy. They may attempt to utilize unfair settlement practices such as imposing unnecessary delays or avoid phone calls in an attempt to dissuade the policyholder from filing their claim.
In some cases, an insurance company will offer a very low settlement, also referred to as an low-ball offer, very quickly to the policyholder so they can avoid fronting full coverage. Insurers do this so they can tempt the policyholder into accepting the offer and then deny additional coverage later on. Often it’s recommended you have legal representation to assess any insurance offer, just in case they’re offering a settlement way below market value.
Will My Insurance Remove the Tree and Debris?
Depending on your policy, your insurance may cover the costs for removing the tree. This relies on the insurer, but typically your policy will state their limit for tree removal is about $500 to $1,000. However, the tree must hit an insured structure for your insurance to be liable for tree removal costs.
If the tree didn’t hit an insured structure, then you cannot receive coverage for the debris removal. Your insurance may, however, pay the costs for removal if the tree is blocking a driveway or ramp used to assist the handicapped.
Why Did My Insurance Deny My Fallen Tree Claim?
Most property insurance policies include fallen trees as a peril. It’s highly recommended you read your policy thoroughly before you attempt to contact insurance or file a claim. Your insurance company may act deceptive and utilize confusing verbiage to persuade you into thinking that fallen trees aren’t covered in your policy.
Insurers uses these unfair settlement practices so they can make a profit from their policyholders. To do this, they will go through leaps and hurdles to dispute, delay or deny coverage. In some cases, an insurance company will purposely dodge calls and postpone meetings so they can exhaust the policyholder into paying the costs themselves. Insurers who use suspicious and dishonest practices are considered to be acting in bad faith.
An insurance company is acting in bad faith if they intentionally refuse to uphold their implied or express duties. Denying, delaying or disputing a valid claim is considered a bad faith action. If you believe your insurance is acting in bad faith, then you can choose to file a claim against them for your losses.
You can hire experienced legal representation to fight for your coverage rights. A trusted insurance lawyer will negotiate with adjusters, third-party insurance companies, and collect imperative evidence and litigate in court if necessary. They can prove your insurance company was acting in bad faith in court and help you recover from your losses.
What to Do If a Tree Falls on Your House – Visit the official website for the Insurance Information Institute (III), a non-profit dedicated to spreading resources for insurance policyholders. Access the site to learn about fallen tree claims, why a tree may fall and if other types of vegetation such as shrubs are covered.
Answered Question About Fallen Tree Claims – Visit the official website for the Texas Department of Insurance to read their frequently asked questions regarding fallen tree claims. Access their site to learn if your homeowner’s insurance policy covers fallen trees, what to do if your neighbor tree falls on your property and if insurance will provide debris removal service.
Fallen Tree Damage Lawyer in Texas
Has a tree unexpectedly fallen on your property? Are you stuck with piling bills while your insurance company refuses to compensate you? If so, we recommend you gain trusted legal representation. Find that dedicated fallen tree damage attorney in Texas today at LeMaster & Ahmed PLLC.
Our lawyers at LeMaster & Ahmed PLLC have been representing people’s interests in property insurance for years. With our extensive resources, we will investigate your claim thoroughly. At LeMaster & Ahmed PLLC, we have negotiated with both insurance companies and third-party insurers with success. Let us attempt to do the same for you by calling (888) 306-2119 and you can visit our offices located in Plano and The Woodlands.
LeMaster & Ahmed PLLC represents people throughout the state of Texas and you can set up your first consultation by calling (888) 306-2119.