How to manage cleanup and insurance questions after storms

In East Dallas, residents are contending with a combination of extensive tree damage and power outages. Here’s a look at how neighbors are pitching in to clean up and what you should know about insurance claims for tree damage.

NEIGHBORLY ASSISTANCE:
Michael Frey found himself unable to navigate around a large tree obstructing Garland Road in East Dallas. Armed with a chainsaw, Frey took it upon himself to clear the road despite the ongoing rain. Ryan Branch, another driver passing by, stopped to offer his assistance after seeing Frey’s efforts. Together, they worked alongside three other volunteers to cut up and remove the fallen tree, clearing the road for passing vehicles.

Bella Collins, whose roof was struck by a fallen tree, watched as a crew worked to remove the massive obstruction from her property. While her family remained safe indoors, Collins expressed their intent to contact their insurance provider and await the restoration of electricity before assessing the damage further.

TREE DAMAGE INSURANCE CLAIMS:
With North Texas experiencing multiple rounds of severe storms in May, individuals may need to file insurance claims to address resulting damage. Before attempting any cleanup, it’s crucial to document the damage with photos or videos and make necessary emergency repairs to prevent further harm. Save receipts for any out-of-pocket expenses incurred during this process.

According to Ben Gonzalez, a spokesperson for the Texas Department of Insurance (TDI), if a tree that does not belong to you causes damage to your property or vehicle, you should contact your insurance provider to initiate a claim. Typically, if a fallen tree hits a covered structure or blocks access, insurance policies may cover the cost of removal. However, cleanup expenses for trees merely located in the yard may not be covered unless they pose a threat to structures.

For vehicle damage caused by fallen trees, owners may need to utilize their comprehensive coverage to address the costs outside of collision-related damages. Gonzalez advises individuals dealing with power outages and spoiled food to check their insurance policies, as some homeowners and renters policies may cover up to $500 for spoiled food in certain circumstances, without requiring a deductible.

For general insurance inquiries following a storm, individuals can reach out to the TDI consumer helpline either by phone at 800-252-3439 or online at tdi.texas.gov.