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• Does Home Insurance Cover Tree Removal after a Storm in Illinois?
• Does Homeowners Insurance Cover Tree Damage from a Storm in Illinois?
• When Will Insurance Cover Tree Removal from a Storm in Illinois?
• Steps to Take after a Tree Has Caused Damage on Your Property
• How Much Damage Needs to Happen to a Tree for Insurance to Provide Coverage in Illinois?
• How Much Does Insurance Pay Out for a Tree Damaging Property Due to a Storm?
• How a Illinois Independent Insurance Agent Can Help You

Does Home Insurance Cover Tree Removal after a Storm in Illinois?

Tree removal on your property is not typically covered by your Illinois home insurance policy. Like everything else, exceptions can apply in the event of a storm loss. For instance, when a tree has landed on another structure, then your policy will pay for the removal less the deductible. Auto insurance can help pay for some damage when a tree lands on a vehicle. To know exactly how your policy will respond, consult with your trusted adviser.

Does Homeowners Insurance Cover Tree Damage from a Storm in Illinois?

Every homeowners insurance policy will come standard with coverage for storm damage. If a tree causes damage to your home or property, your policy should respond to the loss. Take a peek at how storms are classified.

• Storm insurance: Coverage for a natural disaster resulting in property damage or bodily injury will be under your primary insurance up to the policy limit.

Estimated Losses Due to Natural Disasters in the US

Your homeowners insurance should come with protection against every common natural disaster in the area. Severe weather can cause trees to fall and damage your home or worse. 

When Will Insurance Cover Tree Removal from a Storm in Illinois?

If you're the victim of a storm in Illinois, your home policy will have coverage for the loss. You'll want to file a claim immediately so that you can get reimbursed for any out-of-pocket expenses you may have incurred due to the storm. Your insurance will pay as soon as the adjuster has determined it a payable loss. In most cases, you'll have up to one year to report a homeowners claim.

Steps to Take after a Tree Has Caused Damage on Your Property

When a tree has fallen on your property due to a storm, you'll want to take certain actionable steps. It's important that everyone is safe and accounted for and any damage has been temporarily treated so as not to create further loss. Use these four easy steps when filing a claim.

• Step 1: Get to a safe place
• Step 2: Call your independent insurance agent 
• Step 3: Obtain temporary housing if necessary
• Step 4: Set up a meeting with your assigned adjuster to go over damage

How Much Damage Needs to Happen to a Tree for Insurance to Provide Coverage in Illinois?

Your Illinois home insurance policy will have specific coverage for included items. It will provide protection for several types of losses. The majority of the time, your home policy will not include coverage for any trees or landscaping damaged on the property. 

If a storm occurs and causes loss to your home, it will restore and replace property to like, kind, and quality. Insurance for the actual tree itself is usually excluded or a gray area on your policy. Consult with a local agent to see what your home insurance will cover for you.

How Much Does Insurance Pay Out for a Tree Damaging Property Due to a Storm?

A tree falling on your home or property can create a lot of damage. Your Illinois homeowners insurance will come standard with replacement cost coverage for your structure and roof up to the policy limits. Some policies may only provide actual cash value of the damaged item depending on what was preselected. Take a look at the differences below.

• Actual cash value: This is the amount the insurance company pays out for what the damaged property is worth at its current state. 
• Replacement Cost: This is the amount the insurance company pays out for the full replacement cost of the damaged property to like, kind, and quality.

How an Illinois Independent Insurance Agent Can Help You

Illinois homeowners insurance can come in many forms with several different coverage limits. It's vital to know what you're covered for and how much protection your policy has. To obtain adequate limits, consult with a licensed professional. 

An Illinois independent insurance agent can help you find a policy that suits your needs and budget. Since they work on your behalf to find you the best options, you'll save time and money. Get connected with a local expert on TrustedChoice.com for custom quotes in minutes.