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What is a lightning tree?

Removal of a tree hit by the lightning?

  • Would anybody have any advice on how to convince my homeowners insurance to help me pay for the removal of a tree hit by the lightning (they say they shouldn't pay because they don't cover natural causes???)?

  • Answer:

    If the tree hit your house, the debris removal should be covered up to $500 for the part of the tree that hit the house (or other covered structure). The rest of the tree is up to you to remove. If the tree didn't hit anything, the removal is up to you unless you purchased a debris removal endorsement on your policy. This endoresement will coverr you up to $500 for debris removal of a tree (hit by lighting, downed by wind or weight of ice & snow) with a small deductible. What mbrkatz is referring to on the trees, shrubs, etc coverage is coverage for the REPLACEMENT of the tree, not the removal of the debris from a downed tree.

Nonoss at Yahoo! Answers Visit the source

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They won't, don't push it.

kevrigger

NO, that's not what they're saying . . . they're saying the tree didn't land on any COVERED PROPERTY, so debris removal coverage doesn't apply. The homeowners policy isn't PRICED to do yard maintenance. Having said that, the STANDARD policy covers up to $500 for damage by lightening, to your tree. As long as you have scorch marks on the branch/trunk, they should be covering this. So call your agent, and ask them to contact the adjuster, IF you have a standard homeowners policy.

mbrcatz

if they do not cover natural causes, you will have to pay for the removal out of your pocket. Get you a new insurance company and insure it covers natural disasters

Jan Luv

Dito to SUE'S answer. She is right on

DFK

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