Trying to figure out what's covered and what isn't covered when it comes to homeowners insurance in New Jersey can be a little tricky. There are a lot of different situations in which damage can occur to your home. For example, are you covered if a tree hits your New Jersey home?
If a tree falls because of lightning, wind or hail, and it does damage to your home, then you will be covered by your homeowners insurance. Your insurance will also cover the cost of damages if a tree falls on other insured structures on your property, such as a detached garage. It also does not matter whether the tree was on your property or not. Significant winds can hurl branches and shrubs long distances, resulting in potential significant damage to your home. In many cases, your insurance company won't even bother trying to figure out where the tree, tree branch or shrub came from.
If the tree or branch fell from your neighbor's yard, your insurance company may attempt to collect from your neighbor's insurance company. This process is known as subrogation. This process usually occurs if the tree was in poor shape because the neighbor didn't take proper precautions. One thing to keep in mind is that if a tree or branch falls on your property and doesn't do any damage, your insurance company will not pay for removal.