Case Study: Tree Damage in Virginia Highlands, Atlanta – 404-737-7033
This case involved a tree over 100 feet tall falling on a home in Virginia Highlands, from a base roughly 90 feet from the house. Had the tree been closer, it likely would have cut the home in half.
What Was Covered — and What Wasn’t
The structural damage to the home itself was covered, since the loss was attributed to wind. However, the damage to the landscaping was not covered under the policy, even though the same tree caused it. The driveway, which cracked under the fallen tree, was covered under the “other structures” portion of the policy, as was the fence — but the trees, shrubs, and flowers destroyed in the fall were excluded.
The Lesson: Landscaping Needs Its Own Endorsement
Most standard homeowners policies exclude landscaping unless the damage was caused by a vehicle or vandalism. If your landscaping represents significant value, you should add a separate endorsement to your policy — otherwise you’re likely to pay out of pocket to replace it, even when the rest of the loss is fully covered.
Don’t Assume Your Agent Will Flag This
Most insurance agents won’t proactively ask about the value of your landscaping when writing your policy. It’s worth reviewing your own coverage and asking specifically whether an endorsement makes sense for your property.
Dealing With Tree Damage? We Can Help
Call 404-737-7033 for a free review of your tree damage claim.