MPX Insurance Services, Inc.

Overgrown Trees, Roots and the Neighbors For some reason people love palm trees. It doesn’t have to be a desert or the beach; people still want to have palm trees on their California property. Part of the reason is that these plants grow fast, tall, and are iconic for the California look. However, when they are planted between homes, these trees can also create a real headache once the trunk starts to thicken, the rootbal begins searching for water and the branches fall off. ...Each aspect has been a cause of physical damage to homes in Aliso Viejo, CA and elsewhere in the state, which gets complicated when the damage of one neighbor’s tree affects another neighbor’s property, according to the staff at MPX Insurance Services Inc. The first step a homeowner should try is to get the owner of the tree to fix the problem. In many cases, as soon as the owner finds out there’s an issue, he or she will move to fix it, wanting to avoid further problems. However, once in a while a homeowner gets stuck with a situation where the other party doesn’t want to cooperate. The homeowner can’t just arbitrarily "fix" the tree himself; many local and state laws make it clear people can’t go cutting and removing trees belonging to someone else, even if they hang over into one’s own property, without permission to do so. Depending on your policy’s terms, it may be possible to have your insurance company to help with repair and recovery via the claim process, as the issue is damage to your home that was not expected. Your provider may then seek recovery against the responsible party, being far more effective via a professional legal team. But there are no promises; it depends on your policy. To know for sure, Aliso Viejo, CA residents can work with MPX Insurance Services Inc. for a clear answer on the matter and how to get a home insurance policy that anticipates these problems ahead of time.

What Exactly is Covered on a Home Policy? Insurance can be very difficult to understand when it comes time to make a claim. Making the right claim can be difficult if you do not know what your policy covers and what you can claim. For most, it is relatively simple to find out what your home policy covers. For those living in the Aliso Viejo, CA area, the agents with MPX Insurance Services Inc. can help you find the policy that works for you. It is best to first go over some ...of the basics that a home policy covers. All home policies are going to cover damage from fire, storm damage, ice and snow damage, and some water damage as long as it is not associated with a flood. Most home policies will also cover items that are stolen during a break-in as well as any associated damage that is done during the incident. Your home policy may also cover injuries to people that are injured on your property as well as injuries that are caused by your pets. Many home policies also cover damage from things like trees falling on the home, damages from wind storms, and the cost of contents and replacing them. An average amount of coverage comes with each policy for the contents of your home but you can add more coverage dependent on what you have in your home. If you have something like a special collection, a large number of electronics, or a home based business, you can also take out extra coverage on your home policy to protect it. You should take the time to inventory what you have so that you can replace it if it is damaged or stolen. For those that live in the Aliso Viejo, CA area, the agents with MPX Insurance Services Inc. can help.