When a storm blows through, one of the most worrisome sights for a homeowner is damage to their home. If a tree branch falls as a result of a storm, damages your shed, and leaves lasting damage, it can be expensive. The good news is home insurance may offer some help making those repairs. However, there are limitations here. Here is what you need to know.
Why Did the Branch Fall?
One of the first questions an insurance adjuster is going to ask is this one. Why did the branch fall? If there was a significant storm, lightning could be the cause. In others, wind or even ice may be behind the problem. In still others, it could be that the tree was old and dead branch fell off with very little prodding. The cause of the damage is important. It defines whether you have financial coverage in place.
If the damage is accidental or unavoidable, chances are good you can file a claim for the incident. This would include most types of storm-related damage. Other situations may be more limiting. For example, you may be responsible for the dead branch. Your insurer expects you to maintain a safe home. A part of that includes proper maintenance and upkeep. In this case, it may not be possible to file a claim.
About Your Shed
Another component of this situation is determining if the home insurance policy covers the shed itself. In many homes, it is a part of the policy. However, you cannot assume this is the case.
If the shed is on the property but not connected to the home, it often needs to be a specific structure listed on the policy. If the policy does not list the shed, you may not have coverage on it.
A shed of any type tends to be valuable. As a result, it is worth contacting your TCU Insurance agent to have it added to your policy. If you build a new shed, replace an existing one, or never added it in the first place, your policy may not offer the protection. Therefore, it's the best idea to review coverage to see if you need to add it.
If you have a tree branch on your shed, contact your TCU Insurance agent. They can determine if you have coverage and whether you can file a claim. If you are eligible to file a claim, you could receive financial compensation for the losses.