Henry D Young Inc Insurance Agency Blog

Attention Penn State®  fans ...Plymouth Rock College Perks Program now available in NJ & PA

Posted by Carol Reese on Tue, Oct 30, 2018 @ 11:10 AM

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Topics: independent insurance agency, trusted choice insurance agent, salem county, automobile insurance, local insurance agent, multiple insurance companies

Are Trees Covered by Insurance?

Posted by Carol Reese on Sat, Jun 30, 2012 @ 12:06 PM

We've had a lot of questions lately about whether or not trees are covered by your insurance policy because of the recent storms that have caused a lot of damage to trees. Here is some information from the Insurance Information Institute about coverage for trees and tree damage.
If a tree falls and hits your house, are you covered? The short answer is, yes. The coverage is quite straightforward: if a tree hits a home or other insured structure, such as a detached garage, standard homeowners insurance policies provide coverage for the damage the tree does to the structure and the contents in it. This includes trees felled by wind, lightning or hail.
It does not matter whether or not you own the tree; if it lands on your home, you can file a claim with your insurance company. After a hurricane or windstorm, trees, shrubs and branches can become projectiles capable of traveling significant distances and can cause considerable damage to property. In most cases, an insurance company is not going to spend time trying to figure out where a tree or other item originally came from.
In some situations where the felled tree was located on a neighbor’s property, the policyholder’s insurance company may try to collect from the neighbor’s insurance company in a process called subrogation. This sometimes occurs if the tree was in poor health or not properly maintained. If the insurer is successful, you may be reimbursed for the deductible.
If a tree hits an insured structure, such as your house or garage, there is also coverage for the cost of removing the tree, generally up to about $500 to $1,000, depending on the insurer and the type of policy purchased. If the fallen tree did not hit an insured structure, there is generally no coverage for debris removal. However, some insurance companies may pay for the cost of removing the felled tree if it is blocking a driveway or a ramp designed to assist the handicapped.
Standard home insurance policies also provide coverage for damage to trees and shrubs due to fire, lightning, explosion, theft, aircraft, vehicles not owned by the resident, vandalism and malicious mischief. Coverage for these disasters is generally limited to up to 5 percent of the amount of insurance on the structure of the house. Generally, most insurers will limit the coverage to about $500 for any one tree, shrub or plant. Trees and plants grown for business purposes require a separate business insurance policy.
Watch this video from the Insurance Information Institute for some great information about trees and insurance.
Visit them at www.iii.org for more information, send us a message, or give us a call at 856-935-0845.

The information in this article is meant as a guideline only. There is nothing in this article that alters the coverage or interpretation of any specific policy. Because some statements are generalizations, and because different companies' policies contain slight differences, please refer to your specific policy. Call our office before making any judgements or decisions concerning your particular situation and coverage that may, or may not, apply.

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Topics: trusted choice insurance agent, homeowners insurance, local insurance agent

Get this mug free from your Salem County NJ Insurance Agent

Posted by Carol Reese on Fri, Jan 20, 2012 @ 16:01 PM

With all of the big insurance companies saturating the airwaves & your mailboxes with offers to call them for insurance quotes, it's hard to get our message through that we have personal and commercial insurance products that are very competive.  And ... we're close by with that extra personal touch you get from a local insurance agent.

We are an independent insurance agency that carries the products of multiple insurance companies in order to find our clients the most coverage for the best price - and it won't cost you a dime to find out how competive we can be be on your entire insurance program.  Click here, and scroll down to find out the different types of insurance that we can provide.  If the coverage you are looking for is not on the list, just contact us to find out if we offer that coverage. 

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Topics: independent insurance agency, local insurance agent, multiple insurance companies

Thanks for choosing us as your independent insurance agency!

Posted by Carol Reese on Thu, Jan 19, 2012 @ 19:01 PM

Thanks for choosing us - We know you have many choices when purchasing insurance and we want to thank you for choosing us as your insurance agency. As a professional, independent insurance agency, we pride ourselves on maintaining long-term relationships with our clients; adjusting their coverage as personal, business or professional changes take place.

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Topics: independent insurance agency, trusted choice insurance agent, local insurance agent

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