Big Bear lake property is enchanting and part of this is because of the foliage, but trees pose unusual challenges to new mountain home owners. If you are not familiar with high altitude living, it might be helpful to know a bit more about these towering timbers.
Seasonal changes charm residents and visitors alike but the truth is that they are not always captivating. During certain times of the year, a high pollen count fills the air with a fine yellow dust.
Summer sap is likely to ooze and drop onto objects placed near the tree, or underneath branches. And sadly, more than one person has discovered the hazards of pine cones or broken tree limbs after they parked under the shade of a tree.
Weakened and falling trees pose many hazards and cause extensive damage to homes and property. So, if your home is closely framed by trees, it would be advantageous to explore whether or not your homeowners insurance policy will cover tree removal expenses or property repairs if a tree falls and damages part of your house.
Next, educate yourself on how to be fire safe so you can be sure to meet fire safety and coverage requirements. You many need to trim back branches and clear any undergrowth on or adjacent to the lot. The Big Bear Valley Fire Safe Council is a good place to get more information.
Tree removal can help prevent future damage to your property or keep disease or insect damage from spreading from an infected tree to others.
If a tree does fall on the property, don’t move it unless it is unavoidable. Take a variety of different pictures of the damage and the downed tree as this helps document the incident. Contact your property insurance company right away.
For removal and repairs, get independent estimates. A good local resource is the Big Bear Contractors Association. Many of those contractors will provide a free estimate.
An insurance adjuster will schedule time to come up to verify the claim and is likely to take pictures as well. Be sure to share that have taken pictures and obtained an independent quote.
During the claims process, check in with your home owners insurance agent about once a month for an update on the progress since adjusters can have a large number of other claims to process. Touching base periodically might help move your claim along more quickly.