What do I do if
Utility company tree fell on my property.
Utility-owned trees have different subrogation paths.
Utility company tree fell on my property.
Root cause
Why this happens
Utility-owned trees have different subrogation paths.
Know the law
Your rights
Your policy covers; utility may be liable.
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What kind of damage?
Pick the closest match. We will ask for details later.
What to do
Solution steps
- 01
Step 1
File on your policy
- 02
Step 2
Document utility ownership
- 03
Step 3
File utility claim in parallel
No obligation. No fee unless recovery.
Dealing with this? Free review.
Licensed Florida public adjuster.
Similar scenarios
Related problems
Flood claim denied when source was plumbing.
Flood-NFIP vs homeowners water damage confusion.
Neighbor's fire spread to my house.
Multi-party fire spread creates subrogation and coverage overlap.
Tree from public right-of-way fell on my property.
Municipal tree liability.
Construction debris from neighbor's work damaged my home.
Third-party construction liability.
Drone or aircraft damaged my property.
Aircraft damage may involve federal liability.
Free claim review
Still building your claim? We can help right now.
A licensed Florida public adjuster will review your policy and loss documentation for free.
- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details later.
Know the law
Relevant statutes
FS 626.854
Public adjuster representation.
FS 627.70131
Carrier duties.
FS 627.70132
Notice deadlines.
FS 627.7142
Homeowner Bill of Rights.
FS 626.9744
Matching statute.
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Common problems.
See also
Other common problems
Depreciation release significantly delayed (standard).
Another situation Florida policyholders face mid-claim.
Mortgage servicer disbursement dispute (standard).
Another situation Florida policyholders face mid-claim.
Wrong deductible applied to claim (variant 3).
Another situation Florida policyholders face mid-claim.
My adjuster lowballed the estimate.
Another situation Florida policyholders face mid-claim.
Carrier threatened non-renewal if I file a claim.
Another situation Florida policyholders face mid-claim.
Septic backup damage denied under sewer exclusion.
Another situation Florida policyholders face mid-claim.
Free claim review
Your policy says more than you think. Find out what you are actually owed.
Licensed Florida public adjusters. Free claim review. No recovery, no fee.
- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details later.
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