Who Pays for the Damage When Your Neighbor’s Tree Falls on Your House?

Like so many insurable situations, the answer is, it depends. There are many different scenarios where you would be liable to cover the damage and some where the responsibility would fall to your neighbor. If you are concerned that your home insurance policy does not provide an adequate amount of coverage, or there are gaps in coverage of damage from certain events, contact the team at Paragon Independent Insurance Agency. We are here to meet the insurance needs of our friends and neighbors in the greater Plano, TX and would welcome the opportunity to work with you too!

When a Tree Falls…

There a few different scenarios when a fallen tree can cause damage to your home:

  • Lightning strike
  • Windstorm
  • A diseased or dead tree is uprooted
  • A mishap occurs during tree removal

If your tree or one that is rooted in your neighbor’s yard is uprooting during a storm or other natural disaster, the insurance policy of the owner of the damaged property will likely cover the event. If the uprooted tree that causes damage that is a result of human error, the owner of the tree will be responsible. For example, if you have a dead or dying tree in your yard and neglect to have it removed, you will be responsible for any damage that it causes. Or if your neighbor’s tree falls onto your house during a storm, you will also be responsible.

Are you concerned about tree damage occurring to your home, or do you want to make sure that your home policy will provide coverage for damage caused to your home by acts of nature? Call or stop by Paragon Independent Insurance Agency today to make sure that your Plano, TX area home has the protection it needs!

How to Compare Auto Insurance?

When it comes to shopping for auto insurance, it is very important that you first assess your needs. This will help ensure you are able to purchase a policy that provides the type of coverage you require. For many people, though, it can sometimes be a hassle trying to find the best policy. Fortunately, here at the Paragon Independent Insurance Agency serving Plano, TX, we’ve taken the time to outline two tips for making sure you know how to effectively compare auto insurance. 

Start With Your Friends and Family

One of the best ways to shop for auto insurance is to ask your friends and family for their recommendations. You will likely find they can point you in the right direction and help you pinpoint a policy that truly meets all of your needs. Even better, they can explain their policy and help you choose which level of coverage you need. Many times, your friends and family will be able to direct you to both local and national insurance companies, which gives a good chance of being able to compare policies from a wide range of providers. 

Use the Internet

You can also turn to online resources to help you compare auto insurance. There are many resources that make it easily possible to compare different levels of coverage from different providers, which helps you narrow down a long list of possible policies that can best meet your needs. You’ll also be able to read through reviews of existing customers to see which providers are providing the best customer service. This is especially important because you want to choose an insurance provider that providers superior customer service around the clock. 

To learn more about comparing auto insurance, contact the Paragon Independent Insurance Agency serving Plano, TX.