If my neighbour’s tree falls on my house, is it covered by my domestic package insurance Kenya policy? See how GA Insurance’s Maskani cover protects you against Mother Nature.

Domestic package insurance Kenya policy Common coverage situations with trees

1.     When a tree falls in your yard but doesn’t damage anything

If there are no damages to your house, other structures, or belongings, your domestic package insurance policy typically won’t pay for the removal or clean up. And no, damage to your beautiful lawn or another tree, bush, or shrub doesn’t count. Sorry! Many times, the removal or clean-up will actually cost less than your deductible.

2.     In case Your neighbour’s tree falls on your house or other structure

Your domestic package insurance  policy covers it, and you’d have to file a claim with your company. But, if it’s clearly a dead or rotting tree, you could claim that your neighbour was negligent and should have removed it.
Keep in mind, negligence can be very difficult to prove. It would help your case if you previously asked your neighbour to remove it or you have a letter from a certified professional saying it needs to be removed.
Why it matters: If your neighbour is deemed negligent, their homeowner’s insurance covers it.

3.     When Your tree falls on a neighbour’s house or other structure

Your neighbour’s domestic package insurance cover pays for it. But, if your neighbour can prove you were negligent by not removing it, your insurance might pay. Similar to the above example, negligence in this case will also be difficult to prove, and your neighbour may even need a letter from a certified professional either NEMA or National Construction Authority saying it needs to be removed.
Their insurance will still cover it if the tree didn’t actually hit anything and is simply blocking their driveway or a ramp leading up to their house.

4.     Tree falls on your house or other structure while another company removes it
That company’s insurance pays for it. For example: A company you, your neighbour, or a cable/internet provider hired to remove or trim the tree. If you ever hire someone, make them show you their proof of insurance first (specifically liability insurance).
If they aren’t insured, you may have to pursue legal action to get them to pay for it.
Are you a homeowner looking for an affordable domestic insurance policy cover? Apply now for a GA Insurance’s Maskani cover quote for your home
 
 Disclaimer;
The opinions expressed in this publication are those of the author. The full information of the cover is contained in the policy document. The designations employed in this publication and the presentation of material therein do not imply the expression of any opinion whatsoever on the part of GA Insurance concerning the legal status of any country, area or territory or of its authorities, or concerning the delimitation of its frontiers.