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Charlotte Location

2501 Duncan Ave Suite B Charlotte, NC 28205

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1618 N Center Street, Hickory, NC, 28601

Fallen Tree Damage and Homeowners Insurance in Charlotte

In the event that your home is damaged by a tree, it is important to know what your insurance policy covers. You should also be aware of the steps you need to take in order to file a claim. We can provide you with information on how to file a claim with your insurance provider, and we can work with them to make sure you get the assistance you need.

Dalton Ave Charlotte, NC, US, 28206

Fallen Tree Damage and Homeowners


NICS of Charlotte has seen an increase in homeowners insurance claims for fallen tree damage in the past year. Many homeowners in the Charlotte area are unaware of their coverage or the process of filing a claim.

In the past few weeks, a severe storm swept through Charlotte, causing extensive damage to homes and businesses. One homeowner in particular experienced significant damage when a tree came crashing through his roof. The homeowner contacted NICS of Charlotte for assistance and we were able to help her file a claim with her insurance provider. We worked closely with the insurance company to ensure that the homeowner received the compensation she was owed for the damages to her home.

If you have been affected by a fallen tree, contact NICS of Charlotte for assistance. We are here to help you navigate through the insurance claims process and ensure that you receive the compensation you deserve for the damages to your home.

Are roof damages from trees covered by homeowners insurance?

The brutal weather that has assaulted Charlotte has left many homes with damage from debris, particularly fallen trees. It’s a shock to see it happen to your home and can be a little overwhelming, but after the storm clears and the clean up needs to begin, many homeowners are unsure as to whether insurance will cover the cost of the repairs and cleanup. Should you expect your policy to pick up the costs?

Your best resource will be your insurance agent. Make sure you contact them as soon as possible after the storm. There will probably be many other people reaching out to them but make sure you get in touch with them quickly so they can begin their process. Also, make sure you take photos of the damage. It’s an essential part of your records, and it will help your insurance company orient itself to the loss before they get on site.

What Should I Expect From My Insurance?

The Insurance Information Institute (III) is a trade group representing property and casualty insurers. They have an extensive library of resources that provide guidelines as to what you might expect from your policy. However, it is ultimately your policy that will determine what is covered. Here are some typical guidelines that will help you understand coverage better.

Damage to Your Home

Most policies cover damages to your home, its contents, and other structures like outbuildings or detached garages. Some coverage for these buildings may be as low as 10%. To know the full extent of what is covered under your policy, check its scope.

Damage from Someone Else’s Tree?

A problem that has led to many arguments between neighbors is what should happen when a tree falls and damages property. The tree may not have been on your land, but if it came from adjoining property and caused damage, you may still be held responsible. According to III, the location of the tree does not matter. If the tree was on your neighbor’s property, then their insurance should cover the damages. Your insurer might go after the neighbor’s insurer to get recompensed for what they paid you. In that eventuality, you may even be given back your deductible.

What Should I Do If My Roof Is Damaged By a Tree?

These steps will help you return your home back to normal once the storm has passed.

Assess the Damage

The first thing you’ll do is determine how severe the damage is. You’ll need to decide if an insurance claim should be filed depending on what you find in our next step, which is review your coverage.

Review your Coverage

Always check your policy details before filing a claim. Most of us are unsure of the amount of coverage we carry on our home insurance. You will also need to know what your deductible is because if repair costs aren’t significantly higher, it might not be worth claiming. If you believe the damage exceeds your deductible by a large margin, go ahead and file a claim.

File a Claim

If you decide that you want to file a claim, take pictures of the damage and share them with your insurance company. Your insurer will examine the damage and figure out how much it would cost to fix it. They will give you money based on their inspection as well as coverage you have and your policy limits. Your insurer may pay your contractor directly or reimburse you for the costs of removal. The cost of removing the tree will sometimes be included in your policy, but talk to your agent to clarify what exactly is covered.

Claims Payment

Your insurance company will likely send the payout from your home insurance policy directly to your mortgage company. They will, in turn, release the funds to you and whichever contractor is doing the repairs. The frequency of these payments depends on what is written in your policy and how much money the insurance company has agreed to pay out.

Reliable Disaster Relief and Recovery Service in Charlotte

In the event that your home is damaged by a tree, it is important to know what your insurance policy covers. You should also be aware of the steps you need to take in order to file a claim. By following these steps, you can ensure that you are taking the necessary measures to get your home back to normal.

NICS of Charlotte offers a variety ofservices to help you and your family get through the disaster recovery process. We can provide you with information on how to file a claim with your insurance provider, and we can work with them to make sure you get the assistance you need. If you need help after your home is damaged by a tree, contact NICS of Charlotte today.




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NICS of Charlotte 2501 Duncan Ave Suite B, Charlotte, NC 28205, United States 888-600-6427

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