✅ TL;DR What Homeowners Should Know
A fallen tree can cause massive damage and insurance companies often try to deny or underpay those claims by blaming “pre-existing damage” or offering a low first settlement.
👉 Don’t accept their story.
Document everything with photos and videos, get professional inspections, and contact a public adjuster like Panther Public Adjusting to fight for your full payout.
We don’t get paid until you do and we make sure you get every dollar you deserve. 💪
🌴 Fallen Tree Damage Insurance Claim: How to Get Every Dollar You Deserve
When a tree crashes onto your home, the damage can be devastating ,but the shock doesn’t stop there. Many Florida homeowners discover that the real fight begins when their insurance company shows up.
Suddenly, adjusters start claiming the damage was “pre-existing,” or they hand over a lowball offer that doesn’t even cover the cost of removing the tree. 🌳💥
In this guide, we’ll explain exactly what to do after a tree damages your home, how to avoid being taken advantage of by your insurance company, and why calling a public adjuster like Panther Public Adjusting can make all the difference in your settlement.
🌪️ 1. The Cost of Tree Damage: What Insurance Doesn’t Tell You
Just removing a fallen tree from your home can cost thousands to tens of thousands of dollars, depending on size and accessibility. Yet, insurance companies often try to claim this expense is your responsibility.
That’s not true. If a tree damages a covered structure ,such as your home, roof, or garage, your insurance policy usually includes coverage for tree removal and repair.
Unfortunately, many insurers don’t tell you that upfront. They hope you’ll pay out of pocket. Don’t. Instead:
✅ Document everything with photos and videos.
✅ Get written estimates from licensed contractors.
✅ Submit these documents with your claim as evidence.
If your insurance company still refuses to pay, contact Panther Public Adjusting. Our licensed public adjusters handle the negotiations and make sure you’re compensated fairly.
📞 Call us today at 833-726-8437
📧 Email us at Claims@PantherPA.com
💻 Or contact us through our website form at pantherpa.com/#contact
🏚️ 2. Don’t Let Them Blame “Pre-Existing Damage”
When a tree hits your home, insurance adjusters may try to say the damage was already there, caused by “rotting,” “settling,” or “old age.” This is one of the oldest denial tactics in the book.
Your job is to prove the damage is new. Look for:
- Fresh breaks or impact points
- New structural cracks
- Splintered wood or exposed rafters
Take clear photos from multiple angles, label each image by date, and keep copies for your records. These details matter because facts and photos tell the real story.
For more insights on avoiding insurance traps, check out our related article on The Biggest Insurance Claim Mistakes Homeowners Make (and How to Avoid Them).
💸 3. The Truth About the “Best Settlement Offer”
If your insurance company tells you, “This is the best offer you’ll get,” here’s the truth: the first offer is almost always low.
Insurers hope you’ll accept it quickly because you’re stressed, overwhelmed, and just want your home fixed. But accepting too early could cost you thousands of dollars in unpaid repairs, tree removal, and even additional living expenses if your home is unlivable.
This is where a public adjuster comes in. Panther Public Adjusting fights for the real cost of your repairs, including hidden expenses insurers often ignore.
We’ve helped homeowners throughout Florida, from Palmetto to Sarasota, secure fair settlements that reflect the true scope of their losses.
📞 Call us now at 833-726-8437
📧 Email your policy to Claims@PantherPA.com for a free review
💻 Submit your claim for help at pantherpa.com/#contact
🧾 4. How Public Adjusters Level the Playing Field
Insurance companies have teams of adjusters, engineers, and lawyers protecting their bottom line. A public adjuster is your licensed advocate ,working only for you, not the insurer.
Panther Public Adjusting specializes in complex property damage claims, including:
- Tree and storm impact damage
- Roof and structural collapse
- Hurricane and windstorm losses
- Water damage and mold remediation
We handle everything from inspections to paperwork and negotiations, ensuring your claim is maximized and your stress is minimized.
Learn more about how to fight unfair claim decisions by reading Exposed: The Truth About Denied Roof Claims.
🌴 5. Florida Homeowners: You Don’t Have to Fight Alone
Whether you live in Miami, Tampa, or Venice, Florida homeowners face similar challenges: confusing policies, denied coverage, and endless claim delays.
But with Panther Public Adjusting, you have experts who know the system and know how to win.
When your claim is denied, delayed, or underpaid, contact us for a free second opinion. You have nothing to lose and thousands to gain.
📞 Call 833-726-8437
📧 Email Claims@PantherPA.com
💻 Submit your claim at pantherpa.com/#contact
💥 6. Don’t Let the Insurance Company Win
A fallen tree is traumatic enough, don’t let your insurance company add to your stress. Now you know how to fight back.
When you have Panther Public Adjusting in your corner, the insurance company doesn’t win, you do.
For more real-world homeowner stories and claim tips, check out My Insurance Claim Expert on YouTube and join our Facebook community “Anything About Property Insurance Claims 101.”
💬 Final Thoughts
If a fallen tree damaged your home, your next steps matter. Take photos, document everything, and call a public adjuster before accepting any offer.
The insurance company has experts working for them, you deserve experts working for you.
That’s Panther Public Adjusting.
❓ FAQs
1. Does insurance cover tree removal after a storm?
Yes — if a fallen tree damages a covered structure on your property, your policy typically covers both removal and repairs. Always check your policy details and contact a public adjuster for a professional review.
2. What if my insurance says it’s “pre-existing damage”?
That’s a common denial tactic. Collect dated photos, inspection reports, and impact evidence. Panther Public Adjusting can help prove the damage is new and directly related to the storm.
3. How much does a public adjuster cost?
Public adjusters work on a contingency basis, meaning you don’t pay unless you get paid. It’s a risk-free way to ensure you receive the full value of your claim.
🔗 External Resources
- Watch more claim tips on My Insurance Claim Expert (YouTube Channel)
- Join our Facebook Community: Anything About Property Insurance Claims 101
📞 Call to Action
📞 Call: 833-726-8437
📧 Email: Claims@PantherPA.com
💻 Contact Form: pantherpa.com/#contact