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Losses to Unattached Structures If a roof on an unattached structure, like a separate garage or shed, is damaged.

The other structures coverage on your policy might pay for the repairs.

In most cases, standard home insurance policies cover other structures up to a certain percentage, like 10% of dwelling coverage.

However, if those structures are used for business, they may not be covered.
Therefore, if your policy covers your home for $200,000, it may also cover other structures for $20,000.

Regardless of who owns the property that has the tree, the homeowner’s policy typically provides coverage for losses caused by downed trees.

For example, in the event that a sound tree in your yard harms your rooftop during a tempest, you can record a case against your mortgage holders staying inclusion.

Additionally, you will most likely file a claim with your insurance instead of your neighbor’s if your roof was damaged by a neighbor’s tree.

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