If a tree falls on your fence in Burlington, WA, it’s probably the last thing you want to deal with. But before you panic, you’re likely wondering, “Does homeowners insurance cover tree falling on fence?” That’s a common question we get asked a lot around here, especially after one of our famous PNW windstorms or when trees have weakened over time. Let’s dive into what you should expect when dealing with tree damage and your insurance, and how Baxter’s Tree Service can help you prevent these accidents from happening in the first place.
Understanding Homeowners Insurance and Tree Damage
So, what does homeowners insurance really cover when it comes to trees falling on fences and its removal service? In most cases, your policy will cover the damage caused by a tree falling on your fence, especially if the tree was healthy and the fall was due to a covered peril—think strong winds, heavy snowfall, or even a lightning strike. But here’s the catch: if the tree was dead or rotting and you ignored it, your insurance may not cover the damage. The idea here is that you’re responsible for maintaining your property, and that includes your trees. This is especially important around Burlington, where we see our fair share of unpredictable weather.
Burlington, WA, located right along I-5 and close to spots like Skagit River Park, is known for its beautiful old trees and lush landscapes. But as any local will tell you, those towering giants can turn dangerous fast, especially during the rainy season or a windstorm. That’s why it’s critical to maintain the health of your trees, whether you live in Mount Vernon, Sedro-Woolley, or anywhere else in Skagit County.
Related Article:WILL MY HOMEOWNERS INSURANCE COVER PREVENTATIVE TREE REMOVAL BURLINGTON WA?
Does Homeowners Insurance Cover Damage to My Fence?
Here’s the deal: “Does homeowners insurance cover damage to my fence?” The answer can vary based on your specific policy, but most standard homeowners insurance will cover damage caused by falling trees—whether that tree belongs to you or even your neighbor. This means that if a tree from your backyard topples over during a storm and lands on your fence, your insurance should step in to help you fix it. The same applies if your neighbor’s tree falls on your fence; in many cases, your policy will handle the repairs and go after your neighbor’s insurance for reimbursement.
But let’s not forget, if that tree was already rotting, weak, or damaged, your insurer might argue that it was a preventable situation. In that case, they could deny your claim. This is where regular tree maintenance services from professionals like Baxter’s Tree Service becomes crucial. We help Burlington homeowners assess the health of their trees to prevent potential hazards before they become expensive insurance claims.
What to Do When a Tree Falls on Your Fence
Alright, so a tree just fell on your fence—what’s next? The first thing you should do is take a deep breath and assess the damage. Make sure everyone’s safe, then contact your insurance company to report the incident. They’ll likely ask for photos, details about the tree, and specifics on how the damage occurred. The key here is to act fast.
While your insurance will cover the cost of removing the tree and repairing your fence, it may not cover removal if the tree didn’t cause any actual damage (such as simply falling in your yard). However, if your fence or other parts of your property are affected, your policy should kick in. That’s why it’s so important to get a professional to assess the situation, especially after a big storm or heavy rainfall in Burlington or nearby areas like Bow-Edison or Bay View.
Prevent Tree Damage with Regular Maintenance
Prevention is always better than scrambling for repairs. Regular tree maintenance is essential in places like Burlington, where the Pacific Northwest’s weather can turn on a dime. Regular tree trimming, deadwood removal, and health assessments can save you a lot of trouble in the long run. Here at Baxter’s Tree Service, we’ve helped countless homeowners in Skagit County, from La Conner to Anacortes, keep their trees healthy and safe.
Why You Should Choose Baxter’s Tree Service
At Baxter’s Tree Service, we specialize in tree care and maintenance throughout Burlington, WA, and the surrounding areas. Our expert team of trea dosctors is well-versed in handling tree hazards, from trimming and removal to preventing accidents before they happen. If you’re worried about the health of your trees, especially after a storm, give us a call. We’re not only the top-rated service in Skagit County but also trusted by locals for our fast response time and friendly service.
We’ve worked on projects near Skagit Valley College, right by Bakerview Park, and even down by Chuckanut Drive, so no matter where you are in the greater Skagit area, we’ve got you covered.
Let Baxter’s Tree Service Help You Today!
Don’t wait until it’s too late. Whether you need an inspection or emergency tree removal, Baxter’s Tree Service is here to protect your property from tree-related damage. Contact us today at (360) 503-0571, and let’s keep your home and yard safe. Our team is available 24/7 to help Burlington and Skagit County residents with all their tree service needs. You can also stop by our office at 962 S Spruce St, Burlington, WA for a free consultation. Let’s work together to make your home and fence worry-free!
