The falling object peril in homeowners insurance covers damage caused by objects falling onto the home, such as tree branches, debris, or other items. This coverage protects the structure of the home and, in some cases, personal property inside, provided the falling object damages the roof or walls first. It excludes damage from gradual wear or maintenance-related issues.
Coverage is provided for damage to the exterior of an insured building caused by falling objects, such as trees. Interior damage and damage to the building's contents are also covered, but only if a falling object first damages the roof or an exterior wall, creating an opening that allows the object or other debris to enter the building.
This peril does not cover damage to the falling object itself. Additionally, it excludes coverage for outdoor radio and television antennas, aerials (including lead-in wiring), masts, towers, outdoor equipment, awnings, and fences.
AVERAGE COST PER FALLING OBJECT CLAIM:
$4,110 for a tree falling on a house
A sloppy inspection from your assigned insurance adjuster can cause your claim to be denied or undervalued.
Tiger Adjusters offers no-cost property inspections utilizing the latest technology to capture a full and accurate account of all damages.
Be honest — did you read the fine print of your insurance policy?
When property damage occurs, our team reviews your policy and provides expert advice on a recommended course of action for your claim.
We create a detailed loss estimate and file your claim plus complete all the required documentation.
It’s tedious work but when it comes to the value of your claim, the dollars are in the details!
Tiger Adjusters fully represents you in negotiations with your insurance company. We review the carrier’s inspection report, estimate, and settlement offer to evaluate if you are being paid fairly.
If not, we fight for funds for all covered damage so that you can repair and restore your property.
