Potential fallen tree claim, USAA

Was out of town last week, large tree had some branches fall, which took out my lamp post that's next to my driveway. Since we were gone, I arranged removal of said branches, and will have to get the rest of the tree removed in the next 1-2 months. It's stable for now. Should I file a claim for light? Probably couple hundred to replace and get installed, plus $1000 total for removal of branches and rest of tree. I think deductible is $500. Trying to understand options before calling insurance. I got back into town last night. I have pictures of fallen limbs and tree from neighbors, but never saw the damage myself. Anyone had similar experience?

Posted: 08/12/2019 at 09:15AM

Potential fallen tree claim, USAA -- Dan1993 08/12/2019 09:15AM

We had trees down all around the property. Luckily we cut down all the... -- Major Kong 08/12/2019 11:11AM

No. Typically also, HO Policy only gonna pay to remove those branches that -- Stork 08/12/2019 09:58AM

Yeah - that probably falls under expected homeowner maintenance. -- Hokie360 08/12/2019 10:30AM

Not "no". "Hell no" ** -- 48zip 08/12/2019 10:18AM

Before filing a claim, check on the deductible -- Vienna_Hokie 08/12/2019 09:22AM

It's only an Act of God if the winds exceed a certain threshold. It's like -- Hokie360 08/12/2019 09:43AM

You'd need to prove that your neighbor was negligent. -- CDTaylor 08/12/2019 2:10PM

Also learned about the tree belonging to other people thing -- Vienna_Hokie 08/12/2019 09:53AM

Unfortunately I think this is how it works in most states -- EDGEMAN 08/12/2019 10:19AM

You're legally allowed to trim any hanging over your yard. If you want. ** -- Stork 08/12/2019 10:25AM

Unfortunately that won't do me any good -- EDGEMAN 08/12/2019 10:26AM

Potential fallen tree claim, USAA

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