A median of $254,200 in high desert where wind takes down trees and roofs. The part of a storm claim that surprises people is not the repair, it is the removal.
Debris removal carries its own limit, usually a percentage of the loss, and it can run out.
Three things about what happens after the damage.
Most policies pay to remove debris as an additional amount, typically a percentage of the loss, and that percentage can be exhausted on a large claim. Clearing a collapsed structure or a major tree is heavy, slow work, and the cost is a meaningful share of the total.
Removing a fallen tree is commonly limited to a few hundred or a thousand dollars in total, sometimes with a cap per tree, and in many forms it only applies if the tree hit a covered structure. A large tree down in the yard alone is frequently the owner’s cost entirely.
High desert wind lifts and loosens rather than removing outright. Damage that is not obvious from the ground is still damage, and a prompt inspection after a significant wind event is worth arranging rather than waiting for a leak.
The cleanup as well as the repair.
A percentage of the loss, and worth knowing which percentage.
Small, specific, and often conditional on hitting a structure.
Large trees near a roof change both risk and cleanup cost.
Tell us what large trees are near the house and how old the roof is.
We check the cleanup limits, which nobody reads until they need them.
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