Claims Support for First Response and Loss Mitigation. Its important to secure the structure with water proof tarps.

Here are the steps to insure that the “insurance company” will pay for the tree removal from your home.

CLICK TO ENLARGE This was a tree removed in Mississippi for Alpha Insurance.

  1. You should take a picture of the tree on the house or have us take a picture.
  2. Call the insurance company and get a claim number.
  3. Tell them that a tree has fallen on your house.
    1. You need to know that you are required to act in “Good Faith” (this is a legal term that insurance companies use).  This means that if a tree has damaged your roof or home and if you just let it sit there without taking action to tarp it or prevent further damage from rain or further problems that might cause more damage and expense to the house then you would be acting in “BAD FAITH”. That means that the insurance company can choose to pay for the tree removal but deny any further claims of water damage or other cost that increased due to the fact that you did nothing.
    2. Therefor if you need to tell them. I am going to get a professional tree service to take the tree off of the house and tarp the roof as needed.
    3. Then ask them… “Will the insurance company pay for the reasonable cost of removing the tree from the house if you go ahead an act immediately in “GOOD FAITH” and let the tree service remove the tree?”
    4. When they say that they will cover the reasonable cost for tree removal from the home then ask for their first name or employee ID #.  Write it down and save it in a file with your claim number.  Tell them thanks. They will say yes 99.999 % of the time ,if you have a current uptodate insurance policy that covers the structure. You need to know that the term reasonable amount is limited by the value of the structure that is damaged. So if the house is worth a $100,000 dollars then that is the limit.  We both know that a $100,000 is an unreasonable amount, but that is how the policy reads.
    5. The tree is not called a tree any more when it is off of the house and is on the ground.  The insurance company renames it “DEBRIS”.  This is where the coverage can vary. Ninety percent of the time the limit for debris removal is $500.  If you have 1 tree or 100 trees to remove the limit is typically $500. This is the area that requires the most investigation. But here is the main thing.  Get the tree off the house and keep the responsibility on the back of the insurance company. That is what  they want you to do. Why? Because if you get the tree off fast and tarp the roof then they will actually spend less in the long run fixing your house. Everyone wins.  You can sort out the debris coverage later if it is not clear to you at first.  Just don’t let that cause you to leave the tree on the house.  Talk to the tree service about it.  They are usually good about helping you sort this out. Well, is willing to help you get through the process. If you need to speak to an expert that has handled countless claims of this nature call William Lombardo at 678-777-7878 Cell or the office at 770-479-9611
  4. Give the claim number to us when we fill out the report that has the description of the tree removal and the price.  This will go to the insurance company for payment.
  5. Watch the tree be removed from the roof. It is pretty interesting to watch.
  6. Once the job is complete then pay the tree service or if you need special payment options ask the tree service what they can do to work with you. We have options, but that is to be discussed with your representative.

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