Insurance deductibles don't cover all property damage when it comes to storms in East Texas

Insurance deductibles don't cover all property damage when it comes to storms in East Texas

LUFKIN, TX (KTRE) - While spring weather often brings warmer temperatures, it also brings storms that sometimes cause destruction to our homes, property, and trees.

"There was no warning, I had no idea that our tree was in jeopardy of falling," said Lufkin homeowner Sami Montes.

The Montes' tree isn't the first to fall in the Lufkin area this spring, and it certainly won't be the last. So what does insurance cover when it comes spring storms?

"A lot of times, you have wind storms in Texas, so there is a special wind hail deductible," said Davis Insurance Vice President Jamie Davis.

The deductible covers damage that occurs during storms, including damage done by trees that fall, but there are stipulations.

"If a tree falls and hits a covered structure, that structure is covered subject to the deductible," Davis said.

What happens if the tree falls and doesn't hit a structure?

"If the tree falls in the backyard and doesn't hit anything, normally the homeowner burdens the expense to remove that tree," Davis said.

That is exactly what Montes had to do since the tree didn't actually hit structure but still left a lot of damage.

"Our driveway was damaged, we'll have to have that repaired," Montes said. "Our yard was completely ripped up because of the clean up, so we're going to have to have our yard redone and get the grass fixed."

Although people may be insured, it's best to check the policy and deductibles with the insurance agency to see what is covered and what isn't because one can never be too careful when it comes to protecting their home.

Davis advises those who are worried about a tree falling, to have a professional service come out and see if it needs to be taken down.

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