For the most part, homeowners are responsible for what falls into their own yard. So, if a storm causes your neighbor’s tree to fall in your yard, your homeowners insurance could help cover the cost of removing the tree and remedying the damage it caused on your property, after your deductible.

The same is true in reverse: If a tree on your property falls in your neighbor’s yard, your neighbor should contact his or her insurance company to determine what type of coverage is available for damage or cleanup in their yard.

In most cases, neighbors are able to work things out without too much trouble. Depending on the extent of the damage, you may need to file a homeowners insurance claim. Your homeowners insurance may or may not cover the cost of tree cleanup, depending on your policy and the company you work with.

Good news: Homeowners insurance from ERIE typically pays for the cost (subject to sublimits) of removal of fallen trees if it’s due to a covered peril, such as a storm.

If there’s ever an issue between neighbors, you can rely on your claims adjuster to help straighten everything out.

The Claims Process

If a tree falls on your house, the first thing to do, if it’s safe, is to try to prevent further damage to your home and property. Make sure to take some photos to document what happened.

Then call your insurance agent, who can explain your options and help you understand if and how to file a claim. When you file a claim, a claims adjuster will come by to evaluate the damage and explain how your homeowners coverage comes into play. It’s recommended that you call your claims adjuster before you contract to have the tree removed.

Sometimes trees fall on cars. If it’s not safe or possible to remove the tree from the car yourself, you should call a professional to remove it. (Again, talk to your insurance agent and a claims adjuster first and take a few photos of the fallen tree on your car.) Depending on the damage and terms of your insurance coverage, the optional comprehensive coverage you may have under your auto policy could provide coverage for the loss.

Preventing Tree Damage

Taking preventive measures can potentially help you avoid any this situation in the first place.

Start by looking for signs of distress such as dead limbs, cracks in the trunk or major limbs, leaning to one side and branches that are close to a house or power line. Mushroom growth on the roots or bark can also signal trouble.

Homeowners should be aware of the health of their trees. It’s possible for you to be held responsible for resulting damage to your neighbor’s house or property, if your tree falls due (in whole or part) to your own neglect. One of the best things to do is to regularly have large trees trimmed. (The Tree Care Industry Association lists accredited tree care professionals.)

What if you were asked to make a list of everything inside your home from memory? Chances are, you’d end up forgetting a thing or two… right?

Well, if you ever have to file a homeowners insurance claim after a fire or major disaster, you could be asked to do just that. That’s why you need a home inventory.

A home inventory is exactly what it sounds like. It’s a list of all your personal possessions, along with their estimated value. And it’s a great way to help protect the contents of your home.

Estimating the replacement cost of walls, doors and windows is a pretty straightforward task. But even though the items inside your home are covered, it can be harder to document the value of that baseball card collection or your favorite pair of shoes.

It takes some time and effort, but there are several reasons why a home inventory can give you peace of mind.

Why It Helps to Have a Home Inventory

• Choosing the right coverage: The worst time to find out you don’t have enough insurance coverage is after a loss. Having an accurate list of all your possessions is a helpful start when you and your insurance agent decide how much insurance coverage you need. After all, you have to know the value of your items to insure them properly.
• Filing a claim faster: When disaster strikes, it can be difficult to remember everything in your home that was lost or damaged. But if you have a home inventory, your work is already done. So, you can spend your time on what matters most – getting your life back on track.
• Applying for financial aid:After a disaster, you may qualify for certain tax breaks or disaster assistance. But without a list of your belongings, it will be difficult to demonstrate your financial losses. A home inventory will make the process of proving what you’ve lost much easier. So, making one list now can save you from piles of unnecessary paperwork later.

How to Start Your Home Inventory

Creating a record of everything in your home probably sounds daunting. But there’s no need to get overwhelmed. Before you start digging through those drawers and cabinets, follow these tips to make creating your home inventory more manageable:

• Choose a starting point. Don’t get overwhelmed trying to think of every item in your house at once. Instead, try starting with your most valuable items, or work through your house one room at a time. To help you get started, we created a home inventory checklist you can download.
• Take pictures or video. Capturing pictures of each item or recording a video of an entire room is a great way to document your items. Be sure to label your photos with any additional information and narrate your video to describe the contents as you record.
• Use an app. There are plenty of mobile apps designed to create a room-by-room record of your home inventory. Some have different features that allow you to take pictures, enter comments and backup all your information to the cloud. Sortly, Memento Database and Nest Egg are a few popular apps for homes and businesses.
• Categorize clothing. Unless they’re especially valuable, there’s no need to document every T-shirt or pair of pants. Instead, write down “10 pairs of jeans,” and tally your clothing by categories.
• Keep your receipts. Having documentation of your purchases, like a receipt or purchase order, helps provide an accurate value of their replacement cost.
• Record serial numbers. Writing down the serial numbers of your electronics and major appliances are a great reference for insurers.

Erie Insurance wants you to sleep well at night, every night. And for us, that means you can feel secure about your home and the things you’ve worked so hard to get. So relax, knowing we’ve got you, your home and your investment covered.

Tropical Storm Debby – Helpful Information to Prepare

Tropical Storm Debby is expected to travel northward, impacting portions of North Carolina, Virginia, Maryland, Washington, D.C. and Pennsylvania later this week.

According to the National Hurricane Center, Debby is expected to produce potentially historic rainfall totals of 10 to 20 inches, with maximum amounts of 25 inches, bringing areas of catastrophic flooding across portions of southeast Georgia, the eastern half of South Carolina and southeast North Carolina through Friday. From North Carolina through portions of the Mid-Atlantic States, 4-8 inches of rainfall, with local amounts up to 12 inches are expected through Sunday morning.

If you experience a loss related to the storm and need to file a claim, Erie Insurance and your Agent are here to help. For claims service during evenings and weekends, call (800) 367-3743.

We encourage you to stay off the roads during heavy rains and follow these tips to reduce damage and stay safe:
• Clear the lawn. Bring in garbage cans, lawn furniture, bikes, toys, hanging plants and lawn decorations. If possible, remove the swings on your child’s swing set to prevent unnecessary damage.

• Bring valuables upstairs. Move furnishings and valuables to the highest point in your house to avoid losing an irreplaceable item to water damage.

• Prepare extra lights. Keep a supply of flashlights and extra batteries handy in case of loss of power. Avoid open flames, such as candles and kerosene lamps, as a source of light.

• Unplug TVs, computers and appliances. If you lose power, turn off and unplug all major appliances, including those attached to a smart plug or surge protector, to avoid a power surge when the power is turned back on.

• Do not drive or walk through standing water. Water can be deeper than it appears, and two feet of water can sweep away most cars and six inches of moving water can sweep you away when walking.

• Prepare an emergency kit with basic first aid supplies, bottled water, shelf-stable food, blankets, etc. For a full list of what to include, read our blog on must-have items for you home emergency kit.

We all hope to never need that policy, but do you know exactly what a homeowners policy covers? The answers may surprise you and even save you some money in areas you never realized!

Homeowners policies offer a wide range of coverages, from your home itself and structures on your property to liability coverage, even to loss of income coverages. As always, coverage will vary from policy to policy and company to company, so it is important to read your policy carefully and consult your insurance agent.

Let’s go over some of the most common coverages you’ll see with homeowners policies.

Dwelling and Other Structures

Standard homeowners policies cover the physical structure of your home in the event of needed repairs or replacement from a covered cause of loss. These coverages protect your home from damage caused by things like fire, smoke, wind, lightning and hail. They also include falling object coverage, which means things like meteors falling on your house are also covered (the more you know, right?).

Often these coverages also extend to protect “other structures” on your policy. This refers to things such as detached garages, barns, fences, sheds and even things like permanently affixed swing sets. They can, depending on the policy, also refer to things like swimming pools and other recreational equipment. However, these are considered higher-risk items and may need additional coverage.

Personal Property

Policies are designed to protect your home during a theft or vandalism event and can also extend to your personal belongings. Things such as appliances, clothing, furniture, electronics and other possessions are covered up to set limits outlined in the policy.

Living Expenses

Another often-overlooked coverage in a homeowners policy is covered living expenses, should you find yourself in need of alternate lodging while your home is being repaired or rebuilt from a covered cause of loss. It often includes food, parking and hotel fees up to a pre-set coverage limit and time period that is laid out in your policy.

Liability Coverages

Another important part of your homeowners policy is personal liability. This means your policy can offer financial protection if a person is injured on your property. For example, say a friend is bit by your dog or a delivery person slips on ice on your driveway or sidewalk. Your homeowners insurance will reimburse medical expenses to the injured party as well as legal fees if you are sued over it, up to applicable coverage limits.

What’s Not Covered?

Things like floods, mold, pest infestations and earthquakes are usually not covered under most standard homeowners policies. As always, things that break or are damaged due to neglect are also not usually covered. Often times, coverage for natural disasters like flooding and earthquakes are offered as additional endorsements on your homeowners policy.

Like any insurance policy, there are common things that just aren’t covered in most homeowners policies. However, we always recommend you read your policy in detail and speak with your local ERIE agent for specific questions.

The ERIE Difference

So, what exactly sets Erie Insurance apart from the competition? Aside from our award-winning service, ERIE offers a wide range of endorsements and additional coverages to help customize your home policy to your exact needs, because we get it, no two policies are the same.

Some unique features offered by ERIE are:

• Guaranteed Replacement Cost. The pandemic altered many aspects of our lives, the economy was a big one. The cost of materials drastically changed which means the cost of rebuilding your home after a total loss is likely going to vary. This coverage gives you peace of mind knowing that if you must rebuild your home, it will be covered, and your home will be built back to what it was, no matter how drastically costs have changed.
• Equipment Breakdown Coverage. An added cushion of coverage protection for major appliances and home systems (when you also have Sewer or Drain Backup coverage) is built right into your policy. This helps cover things like heating and air conditioning, water heaters, appliances, home security systems, sump pumps, smart home technology and more!
• Extended Water. The protection you need from backup of sewers, drains (separate Water Backup endorsement required in North Carolina) or floods. This added protection offers coverages for direct physical loss that protect your home, garage or other structures and personal property (yes, even that stuff in the basement) that’s been damaged due to an extended water event.
• Service Line Coverage. Did you know that underground service lines such as cable, internet, gas, sewer and electrical lines are usually your responsibility and most homeowners policies don’t cover them? We decided to do something about that.

Homeowners insurance can be complicated and difficult to understand exactly what you need to fit your specific situation. With ERIE, we not only offer a wide range of coverage options to help tailor policies specifically to you, but those policies are also handled by local insurance experts that will help guide and advise you. Make sure to contact your local ERIE agent today to discuss what coverages you may or may not have on your homeowners policy.