A viewer says the heavy winds caused a tree to fall on her roof. She wonders if this is an insurance claim. Insurance lawyers Ed Ciarimboli and Molly Clark explain what her next steps should be.
Dave Kuharchik: The wind knocks a tree down, causing some issue for the house. That’s today’s topic on “The Law & You.” Back with us attorneys Molly Clark, who’s here for Greg, and Ed Ciarimboli. Good to see you guys.
Ed Ciarimboli: Great job hunting. The first day of hunting, he has full hunting gear on, out in the woods.
Dave: He lived it up this holiday weekend. From stuffing the turkey to Black Friday shopping. Now hunting. Making the best of it.
Ed: He does it all. Greg is very much a renaissance man.
Dave: All right, here’s our question today. It involves a scenario from Gina in Nanticoke. Gina says, “The other night with the heavy winds a tree fell onto my roof. Can this be an insurance claim?” Does Gina have any recourse here with the insurance company?
Ed: Gina, the answer is it really depends. It really depends on how your policy is written, And if your policy does provide for wind damage, then the answer is yes. Wind, fire, things of that nature, the best thing to do is make sure that you get all your documentation in order. And there’s some other things that I’ll let Molly tell you about, some other things that could make sure you put yourself into a good position to get this claim paid.
Molly Clark: I think what you should do to get yourself in the best position is to, at first, of course, get your policy, get it to a lawyer, have them look at it, and make sure there are no exclusions that would apply to your claim. I would bet that the insurance company is going to try to say there are some exclusions and you don’t have a claim. That’s first. After that, any documentation you have to show the damage, the cost of the damage, any repair work you’re going to have done, estimates, all that becomes very important and you’re going to need to gather that, get to an attorney, and open a claim and get things started.
Dave: All right and if you need the attorneys, you can call one of the team here in “The Law & You” by reaching out on the phone, the website. The only issue is I understand Greg is going to be getting a picture with Santa, he’s not available.
Ed: No, he’s not going to answer the hotline tomorrow.
Dave: All right, we’ll excuse him one more day. Don’t forget, results matter with attorneys Molly Clark and Ed Ciarimboli. Thanks for being here.
Molly: Thank you.
The Law & You is a nightly feature on channels WBRE-TV 28 and WYOU-TV 22 where the attorneys from Fellerman & Ciarimboli answer legal questions. If you have a question that you want answered by the Law & You attorneys, please submit the form on this page or call the hotline at 1-888-570-HURT.