Hurricane Season…time to start thinking about Homeowner’s Insurance!

tree on house For those of you who own a home, there are a couple things to keep in mind as—believe it or not— we are still very much in Hurricane Season in the state of Massachusetts. At least until mid-November, that is. It’s important to take preventative measures when it comes to securing your home and limiting your risk to wind related damages and to know your wind or hurricane deductible.

Your Massachusetts homeowner’s insurance would provide coverage in the event of any trees falling on your home in addition to the removal of the actual trees themselves, but only after the deductible. If you have a wind or hurricane deductible this could mean you will be paying a large out of pocket expense. Tree’s that do not cause damage by falling on your property, however, are typically not covered or only covered up to a $500 limit, again after your deductible is applied.

tree on grassTake a look around your property and assess the surrounding trees, making sure none of them are susceptible to falling and creating a lot of damage, leaving you a mess to clean up. You may want to look for any broken limbs or cracks in the trunk that could potentially split off and cause damage.  Older trees should be reevaluated from time to time as years of wear and tear in addition to fungus or insect damage make them more prone to falling. This is particularly common in cases of severe weather – wind, waterlogging, rain and the weight of snow build up. Lastly, if you’ve had any construction on your house or property, you should inspect the trees near those areas. If there was any damage that took place at the roots, the greater is the risk that those trees might fall.

Property damage from a fallen tree can certainly be an annoyance, but what matters most is keeping your family and guests safe. If you have many trees on your property, make sure you are taking preventative measures in case that unforeseen storm comes your way. Call us today at 781-431-9600 for more information on how to keep you, your family and your property safe.

August 15th, 2013 by Quincy Insurance Agency LLC