Your Tree Fell into Your Neighbor’s Yard: Now What?

In our last blog post, we explained the steps you should take if a tree ever falls on your roof. We hope you never have to deal with a situation like this, but it is always good to be prepared. That’s why we wanted to take the next step and explain what you should do if your tree falls on your neighbor’s house or your neighbor’s tree falls on your house.

We know, it might sound like a stretch, but it could happen when you least expect it. This situation is more common than you may realize, and it could become an awkward situation. That’s why we want you to know how to handle the situation and what you need to do to work with your neighbor.
When your tree falls over onto a neighbor’s property, that neighbor should submit a claim to his or her insurance company immediately. The insurance company is usually responsible for taking care of the damages if the tree fell over due to an act of nature. For example, if a healthy tree falls into your neighbor’s property during a tornado or winter storm, you more than likely would not be responsible for damages to the neighbor’s property. In a circumstance like this, the neighbor’s insurance policy should cover damages inside their property line.
However, there are some cases where you as the homeowner could be responsible. If the tree was dead or unstable and you knew about it, you could be liable if it falls over on its own or during a storm. When homeowners know they have a dying tree it is their responsibility to take steps to prevent them from causing severe damage.  If your neighbor has a dying tree, document requests to have them remove the tree.  This documentation could come in handy with the insurance company.
More often than not, trees fall over due to storms or acts of nature, so many homeowners whose trees fall over do not have to worry about their insurers covering the bill. However, it is always best to avoid having to deal with trees falling over, so you do not have to worry about the hassle of going through this situation. We suggest to check your trees regularly and have them inspected at the first sign of disease or any health issues. If you have any restoration needs due to a fallen tree, don’t hesitate to give us a call. You can trust us to get the job done right and quickly.

What to Do If a Tree Falls on Your Roof

Storms can bring strong winds, heavy rain, and lighting. All of these can cause a tree of any size to fall on your house. We hope no one has to deal with a fallen tree on their roof, but this is the type of disaster that’s hard to prepare for. It is best to know what to do ahead of time so you can take care of the problem as quickly as possible.
Acting quickly can potentially save your family and potentially protect your home from significant damage. If a tree falls on your roof after evacuating everyone from the house, follow these steps to resolve the issue quickly.
Call a Professional
Even if the fallen tree or branch seems small and easy to handle, you should never attempt to deal with the issue by yourself. A tree or branch landing on your roof can also compromise its structural integrity and increase the danger that it may collapse. For that reason, it is important that the tree is removed safely and correctly. Call a professional, and they will advise you further. They may send out a fire crew or public utility representative to ensure your home is safe. The crew will make sure there is no danger of fire or electrical problems and check on power lines and connections.
Contact your Insurance Company
Most insurance policies will cover structural damage caused by storm debris, including the cost of removing the tree that has fallen on your structure. However, your recovery could be affected if the damage is seen as a result of negligence on the homeowner’s part. If a healthy tree on your property is knocked down during a storm, your insurance company will likely cover some or all of the cost if it hits a structure. If an old, rotten tree falls, your recovery may be reduced if you had prior knowledge of the potentially hazardous situation. In this case, your insurance company may say that the damage could have been prevented.
If the tree hits the house, garage, barn, fence, deck, etc. it more than likely will be covered. If the tree does not hit anything and just falls in your yard, generally there is no coverage for that situation.
For Minor Damage Call a Trusted Roofing Contractor
If a fallen tree results in minor roof damage, we recommend that you have a reliable roofing contractor in mind. That way, if minor damage does happen, you aren’t wasting your time researching companies when you should be on the phone with a contractor. You may end up going with the first company you find, and you could end up regretting working with them. Choose a company with a distinguished reputation.
For Structural Damage Call Hays + Sons
If a fallen tree results in major structural damage to your home, give us a call right away so we can handle this situation for you. If you ever go through the unfortunate experience of a tree falling on your roof and causing major damage, you need to have it taken care of immediately. If you wait too long to deal with the issue, you may experience more damage to your home and belongings. If you have any restoration needs due to a fallen tree, don’t hesitate to give us a call. You can trust us to get the job done right and quickly.

How to Prepare Your Family for Severe Weather

We all know that summer storms can turn into severe weather at a moment’s notice. Severe weather can happen before you know it, so it is crucial that your family is always prepared. Now is the time that you should be preparing your family for any potential summer storms.
We suggest having a set plan for your family long before any risk of thunderstorms occur. Take the simple steps below to prepare your family and home for possible severe weather this summer.
Build an emergency kit
An emergency kit should include safety essentials for you and your family in the case of a severe storm. Your family emergency kit should be stored somewhere that is readily available for everyone in your family. A standard emergency kit should include a three-day supply of water and non-perishable food, first-aid supplies, personal hygiene items, flashlights, fresh batteries and anything other essentials for your family. Store any valuable information you think you may need during a severe summer storm in your emergency kit.
Create an emergency plan
Sit down with your family and discuss where and how you will all seek safe shelter during a storm. Discuss where you will find shelter in your home and when you are away from your home. Establish a contact person and how everyone will communicate where they are and if they are safe during a storm.
Purchase a standby generator
A portable generator can power one or two appliances; a standby generator can supply power for your whole house. A standby generator looks similar to an air conditioning unit and uses existing power lines. When the power goes out during a severe storm, the standby generator will automatically turn on to power critical appliances and systems such as heating and cooling, lights, refrigerators, sump pumps and home security systems. With a standby generator, your family will be able to function normally during summer storms.
Use these steps to prepare your family for severe weather and summer storms will become less stressful. If summer weather brings you any damage to the inside or outside of your home, make sure you call Hays + Sons! Our dedicated storm damage restoration experts are ready to serve you at any of our locations in Indianapolis, Cincinnati, Lafayette, Muncie, Crown Point, Columbus, and Fort Wayne.