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Florida Homeowners’ Insurance and Fallen Trees

South Florida is home to many large trees, ranging from soaring palms to magnificent evergreens.  While these trees offer shade and beauty, if they fall the results can be disastrous.  Fallen trees can cause costly damage to homes and property, and can create hazards as well as headaches.  When we provide a free initial consultation, we will review the homeowners’ insurance policy to see if the policy covers the expense of removing trees and performing any necessary property repairs.  Just because your policy may cover these things does not mean it is easy to successfully file a homeowners’ insurance claim based on fallen trees.

The Miami homeowners’ insurance attorneys at Greenberg, Stone, and Urbano have assisted homeowners across Florida in obtaining coverage for their fallen tree related property losses.  From homeowners to condo owners and more, we know it can be difficult to file your claim and you may experience an initial denial.  Do not dismay, as your denial can be appealed and you can still obtain the coverage you deserve with the help of one of our experienced lawyers.

The following is a list of steps you should take in the event you have a fallen tree on your property:

  1. Contact your insurance company: It is imperative that you contact your insurance company as soon as the fallen tree damage has occurred. Speak with an agent who will assist you in determining whether your specific situation is covered.  If you have doubts, consult with a homeowners’ insurance attorney. At times, homeowners’ insurance policies will cover the removal of trees so as to prevent future damage, while others only cover the removal of fallen trees once they have already caused damage.
  2. Do not move the fallen tree: If at all possible, do not move the fallen tree.  Take pictures of the tree and any damage it has caused to your home or property.  In fact, take as many pictures as possible.  The insurance company should promptly send an adjuster to examine the damage.
  3. Obtain an estimate for the repairs: You should obtain an independent estimate of the repair costs.  Contact several reputable contractors until you find one willing to provide a free or low cost estimate.  Do not allow the insurer’s estimate to be your only estimate.
  4. Work with the adjuster: Allow the adjuster to come to your property and assess the damage.  He or she will provide you with an estimate.  Make your home accessible so that the adjuster comes out as soon as possible.  Let the adjuster know that you have photographs and have obtained an independent estimate.
  5. Contact an attorney if needed: If after following these steps the insurance adjuster provides you with a low offer or denies your claim, it is time to consult with a homeowners’ insurance attorney.  Your lawyer will assess your claim and advise you as to the next steps to take to appeal your denial.

Greenberg, Stone, & Urbano:  Homeowners’ Insurance Attorneys of Dedication and Zeal

Fallen trees can inflict considerable damage to your home and property.  If your tree related homeowners’ insurance claim has been denied or minimized, you can still recover for your losses.  Contact the Miami Homeowners’ Insurance Lawyers at Greenberg, Stone & Urbano as soon as possible.  We have over 130 collective years of experience representing homeowners across South Florida.  Our firm offers the dedicated, knowledgeable, and caring representation you need to obtain the insurance compensation you deserve.  We are honored to have received a coveted AV rating from Martindale Hubbell and the Miami Herald’s ranking as a top firm in South Florida.   Put our extraordinary homeowners’ insurance lawyers to work on your case.  Call us at (888) 499-9700 or (305) 595-2400 or you can visit our website to schedule your initial consultation.


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