When a tree falls on a patio in Dallas / Fort Worth, Texas due to heavy winds, you may worry about the expense of paying for the damage to your home. Although homeowners insurance may protect you against tree fall, the details of your policy may vary.
Possible Differences in Policies
While a homeowners insurance policy will often provide some protection to your patio or yard, the situation ultimately determines if the company will pay for the damages or if you are required to manage the expense personally.
Your policy may or may not cover tree fall, depending on the extent of coverage that you selected when you purchased the policy. In some cases, you may not be covered due to an exception related to the weather or due to the situation. Some policies may exclude tree fall from the coverage.
Amount of Protection
If your policy covers the situation, then you may discover that the amount of funds available to repair your patio is limited. In most cases, you will only have a set percentage of the policy that you can use to repair the front or back yard areas.
The percentage can vary between different policies, so it is important to read through the documentation to determine the exact amount that you have available to repair damages to your yard, porch or patio.
Although you may be covered under your current plan, the funds that you can expect and the situation will ultimately determine how much you are required to pay after your deductible and the insurer pay for most of the damages. To learn more about protecting your home, contact us to talk to an independent agent.