Hey, so Hurricane Beryl has made its way through and left a lot of damage out there. There are lots of trees down, lots of fences down, and lots of damage to folks’ homes and vehicles. I wanted to create a short video to talk about a few Hurricane Beryl insurance claim scenarios that are probably top of mind right now and hopefully help you decide whether or not it makes sense to reach out to your insurance company to file a claim.

SCENARIO 3: Will My Home Insurance Cover Debris Removal If a Fallen Tree Doesn’t Damage Any Structures or Block My Driveway?

What about the debris removal? When considering debris removal, the coverage primarily comes into play if there’s damage to other structures or your dwelling, as you would still need to meet your deductible. The maximum limit for debris removal is typically $500 per tree, with a total limit of $1,000. However, this applies only if the tree is damaging another structure or your dwelling or if it’s blocking your driveway and preventing access.

If a tree falls in your yard without causing damage to any structures or blocking your driveway, your home insurance policy will not cover the debris removal. It doesn’t matter where it fell if it’s not causing an obstruction or damage to your home or other structures.

Tips for Filing a Hurricane Beryl Insurance Claim

So there’s some scenarios for you. If you do feel like you need to file a claim, obviously reach out to your insurance company to file the claim. Pack as much patience as you can with the claims adjusters at this time because they’re going to all be overwhelmed regardless of who the insurance company is. If you have the ability ahead of time to reach out to the appropriate contractors to see if they can give you an estimate for repairs to make sure that those repairs are more than your deductible, I definitely suggest doing so.

But either way, hopefully this has answered some questions that you might have. Feel free to reach out, though, if you have any others, and I’d be happy to help out. Give us a call at (281) 528-5737 or visit Pinnacle Point Insurance.