If a tree falls on your property in North Miami Beach and causes damage to your home, your homeowner’s insurance policy should cover these losses as long as the policy terms do not expressly exclude them.
However, some insurance companies will try to avoid providing coverage for these losses by asserting that the tree was rotting, diseased, or ready to fall, even without another force encouraging it, such as a storm. If the insurance company claims that the tree fell because of a maintenance issue, they may try to argue that they are not responsible for these costs.
Yet, if you believe that your insurance policy covers your property damages, consider consulting with knowledgeable legal counsel to determine what legal actions you may take.