Many people invest significantly in their home’s landscaping. It becomes a true asset to their home. It also raises the value of the property.
When something happens to it, you may want your home insurance to cover the cost. That can happen in some situations. In others, it is not an option. Take the time to talk to your home insurance company. Learn what you can expect from the plan you have. And, update your policy if you complete major renovations that add significant value.
When Will Home Insurance Cover Landscaping?
Landscaping includes things like trees and plants. It can also include hardscaping, such as retaining walls and other structures.
Home insurance policies usually protect the structures on your property. However, they often do not protect land-based features. Your home insurance policy may cover the removal of damaged trees and plants. Still, it might not necessarily cover the repairs or replacements of them. Some policies will cover repairs to retaining walls. Most standard policies will protect from:
- Damage caused by another person’s vehicle
In these situations, the policy will pay for repairs when possible. If not possible, it will help cover the replacement of the items. Most policies have a limit though. Most policies will cover a value up to a certain percentage of the dwelling protection. Beyond this, you may not have coverage.
When Does Home Insurance Not Cover Landscaping?
Read the details of your policy. You may find that you do not have coverage for risks related to weather damage. This includes instances of hail damage, wind damage, and ice and snow-related damage. In addition to this, policies do not cover damage from pests, insects, or any type of disease. Like other types of home insurance, it will not cover damage related to poor maintenance. These factors all play a role in determining if the peril has coverage.
What Do You Do To File a Claim?
Filing a home insurance claim for landscaping loss starts with a call to your insurance agency at 877.791.1707. Your agent will discuss what happened. Most will need to see the damage in person. Or, they may request photos. Do not handle any of the cleanup involved until your agency sees what happened. They may help you cover some of these losses.
Remember that your policy has a limit. If the peril caused damage to your home or you lost possessions, this may be a part of that limit. Now is always a good time to verify the value of your policy before a claim like this is necessary.