When to Turn to Your Homeowners Insurance for Coverage for Residential Landscaping in Fargo, ND

By March 13, 2019No Comments

When to Turn to Your Homeowners Insurance for Coverage for Residential Landscaping in Fargo, ND

How much time and money have you invested in your residential landscaping in Fargo, ND? For many homeowners, the answer is a lot. Yet, all your hard work and investment can be wiped out in an instant. A severe storm, a vicious vandal or an accidental fire can wreak havoc on your well-manicured property.

Fortunately, there’s good news. You can turn to your homeowners insurance in many instances to help repair damages to your residential landscaping in Fargo, ND. Look to your insurance coverage for assistance in the following situations.

Structural Repairs

Did a storm knock down your fence? Did your gazebo suffer damage in some way? Homeowners insurance typically covers unattached structures. Check with your insurance carrier to see what is eligible. Often, unattached structures are covered up to a maximum of 10 percent of the coverage you have for your home.

Fallen Trees

If a tree falls on your home or an uprooted shrub hits your house, this is usually covered by homeowners insurance. The policy generally provides for the removal of the plants as well as repairs for any damages it caused to the home. This coverage applies even if the tree did not come from your property. You should be able to partner with a landscaping company in Fargo, ND to remove the fallen tree and receive payment from your insurance company for the expense.

Landscaping Damage

Have you worked hard to create inviting flower beds, decorative walkways or other landscape features on your property? Lightning, fire, vandals and vehicles can all cause serious damage to your manicured lawn. If you encounter these situations, homeowners insurance may cover your costs to hire a landscaping company in Fargo, ND to replace damaged trees, grass and other plants. There may be limits to what is covered or how much you can spend on each replacement plant, so be sure to consult with your insurance provider before making any re-landscaping plans.

Equipment Replacement

It’s hard to maintain a landscaped yard without the proper tools. Many pieces of lawn equipment are a significant investment. If you lose valuable lawn equipment to vandals, thieves or natural disasters, your homeowners insurance policy will typically reimburse you for the cost to repair or replace these items. These are usually considered part of your personal property that is covered under your policy. If you need to replace equipment, consult with a landscaping company in Fargo, ND to find out which options are the best investment.

Contact the Experts

Has your property suffered damage? Could you use some assistance repairing your residential landscaping in Fargo, ND? Contact the experienced professionals at S & S Landscaping Co. Inc. We are your go-to source for all your lawn, landscape and irrigation needs. Stop by our showroom to view everything from rocks to trees to shrubbery. We offer quality planting services and expert input. Partner with our experienced landscape architect and landscape designers to reconstruct the yard of your dreams.

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