Who is responsible for damage to property after a hurricane?

By  Chang Che

Long Island looks especially stunning in late summer and the early fall. Summer is now over and leaves have turned green. Beachgoers are still attracted by the warmth of the water. The New York region is also prone to experiencing hurricanes during this time. Storms like hurricanes or other storms may damage trees and cause flooding for homeowners.

Homeowners should be aware of their liability potential and what insurance is available to mitigate this risk. You can ensure that you’re fully covered in case of hurricanes or storms by reviewing your insurance coverage with a professional. Among the common things to think about are: if your insurance policy covers exclusionary damages, like flood damage; if there is a waiting period before coverage takes effect; and if flood coverage is usually included in homeowner coverage. Additional information on homeowner insurance is available from the New York State Department of Financial Services.

Lloyd Harbor’s residents are often faced with fallen branches and trees during hurricanes. The homeowner’s property or that of their neighbor may be damaged by these trees and branches. In general, if a tree from a neighboring property falls on a neighboring home due to an accident, the neighbor’s insurer may cover tree removal costs and damages. Depending on the insurance company and several other factors, this may not always be true. Homeowner insurance does not usually cover damage or loss caused by negligence. If the property owner can prove that the tree was healthy and free of defects, they may not be held liable for any damage or injuries caused by the natural fall. Some homeowners are held responsible for damages if they could have seen that their tree was dangerous.

If you’re unsure of the health status of your trees, consult a certified arborist.

If you’re unsure about the scope of your insurance coverage, you must review all policies to determine their limits and exclusions.

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