Question : Will home insurance cover tree roots causing water to enter my basement?
I live in montana, and tree roots have grown under my foundation and drawn up ground water, created a path for the water to follow, and separated my foundation from my footing allowing water to enter my basement. Will any home owner's insurance cover this type of damage or repair? It is a city tree, would they be liable? Thank you.
- asked by kmcdonald
All Answers:
Answer #1
Ask them
- answered by James
Answer #2
Normally insurance covers damage that occurssuddenly, such as a tree falling on your house ina windstorm. Damage that occurs gradually overtime is usually not covered on the assumption thatit could have been prevented. However, you shouldcheck with your insurance company.The city may beliable if it is their tree, and then again theymay not be. They may claim that you should havenotified them of the problem before it became soserious. check with the city and ask. Good luck.
- answered by Serge M
Answer #3
I am a s/w engg working in INSURANCE, so can merehelp you knowing how the policies aredesigned...The scenerio a pretty different, butinteresting..And it depends on the insurance takenby you. Check the insurance policy.Home insuranceis of many types..say,Insurance against theft,insurance against earth quake, insurance againstdamage..etc...And all these factors directlyeffect the PREMIUM you pay...The higher thepremium greater is the damage covered...so yourinsurance policy is the best possible documentwhich can help you out.
- answered by rohitrrakhe1983
Answer #4
No, for several reasons: 1. Tree roots are amaintenance issue.2. Foundation damage isspecifically excluded on the standard policy,except by fire3. Water damage, from waterseeping/leaking into the basement, is consideredflood, and also excluded on the homeownerspolicy.The city isn't liable. Any part of thetree on YOUR property, is YOUR responsibility -including the roots. Sorry, you'll have to getthis done on your own.
- answered by mbrcatz17
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measure and fulfill your financial needs
