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Whether due to a strong gust of wind, a flood or plain poor maintenance, your neighbour’s maple came crashing down on your yard—and your house—unannounced. What should you do? Will your homeowners insurance cover the damage to your Edmonton house? And, for that matter, will your premiums go up? Read on for answers to these questions and others.

Eligible for compensation, but…

The good news is that damage to your home and surrounding property (e.g. your shed and/or fencing) caused by a windstorm or other weather event is likely covered by your Edmonton homeowners insurance policy. The bad news: your policy doesn’t care whose tree was involved, so you’ll typically be considered responsible—even if the offending plant was clearly on your neighbour’s property to begin with. This means that while your insurer (not your neighbour’s) will pay for the damages incurred, making the claim could have an impact on your premium. However, if neglect on your neighbour’s part (i.e. the tree was unhealthy or damaged to begin with) was a contributing factor, he or she may be found responsible instead.

Tips for filing your claim

  • Before attempting to remove the tree or otherwise disrupt the scene of the incident, take as many photos as you need to properly document the situation.
  • Then, call your insurance broker who can put you in contact with an adjuster. A claims adjuster will normally come out to assess the situation and evaluate if and how your policy will offer compensation.
  • Always wait until the claims adjuster has visited before arranging to have the tree removed or beginning any repair work on your house.

Debris without damage

If your neighbour’s tree (or branches from it) falls on your property without causing any damage, you’re responsible for removing the debris. And if your tree falls on your neighbour’s property without causing any damage, we suggest you lend a hand in the removal—it’s what good Edmonton neighbours do! 

If you suspect one of your neighbour’s trees poses a threat

Better safe than sorry, as they say—especially considering that MBS Insurance Brokers Ltd. can secure you a better deal on your homeowners insurance in Edmonton if you remain claim-free for three years. Should a tree on your neighbour’s property seem ill, damaged or otherwise precarious to you, inform your neighbour of your apprehensions. If he or she does not respond, take photos and send a certified letter (backed by the opinion of an arborist, if possible) reiterating your concerns. This way, if ever damages do occur because of the tree in question, it’ll be easier for you to argue that your neighbour was aware of the situation before it escalated.

At MBS Insurance Brokers Ltd., we can guide you through the process of filing a house insurance claim for your home in Edmonton. During regular business hours, contact our office directly; if you need assistance outside office hours, refer to our list of emergency numbers for fast, personalized support at any time of the day or night.

How an Insurance Broker Saves You Time and Money

Do you know the benefits of an insurance broker?

Suppose you’re looking for the best insurance coverage at the best rates in Edmonton. In that case, you’ll first want to understand the benefits of an insurance broker and how they can help protect you in all sorts of different situations – whether it be saving you money, time or giving you simple peace of mind.

What Are the Benefits of an Insurance Broker?

Here are some of the many benefits of an insurance broker.


1. Saves Time

An insurance broker does all the work for you, so you don’t have to spend your valuable time shopping around for insurance. Instead, you simply provide your broker with information about your needs, and they shop the markets on your behalf.


2. Saves Money

Insurance brokers work with many different partners to find the best deals on the insurance that works for you. They take all your needs into account and make recommendations that are in your best interest. They have relationships with many insurance partners and can negotiate competitive rates and discounts, saving you money in the long run.

3. Expert Knowledge and Advice

An insurance broker provides you with the support and expertise you need to find coverage that suits your needs. They work with various products and services to find the coverage that best suits you. In addition, they can draw from an extensive knowledge base and experience to advise you on the best options. 

Insurance Brokers provide expert and unbiased advice. A wealth of knowledge about coverage and market rates combined with expert risk assessment ensures your possessions and business are adequately protected. Whether you are looking into auto insurance rates, tenant insurance, or home insurance rates, your insurance broker can help you every step of the way.

You can utilize their expertise to quickly identify your options and rely on their unbiased advice to help you make the best-informed decision for your situation.


4. Working For Your Best Interests

Since insurance brokers do not work with one particular company, they have nothing to gain from recommending a specific product. The insurance company also pays them a standard commission. Thus, there is no financial incentive to choose one insurer over another.

Insurance brokers have your best interests in mind. You can count on them to find you the best rate possible, which can give you the peace of mind you need. You can rest assured knowing that if you ever need to file a claim, one of our brokers will be there by your side to guide you every step of the way. They act as an advisor on insurance-related matters. They will shop the market for the best coverage and rates for you. Since fulfilling your needs is their only priority, they will provide independent, unbiased advice on the right coverage for your situation.

5. Privileged access and rates

Insurance Brokers have access to a wide selection of the best insurance companies in the country. These insurance companies are only accessible by Insurance Brokers. They do not deal with the public directly or with Direct Writers. Brokers enjoy long-standing relationships with these insurance companies. Still, they do not have an affiliation with any specific insurer, enabling brokers to provide you with a broader range of options at competitive rates.


6. Transparency

Insurance brokers must give full disclosure about their compensation and its effect on your insurance premium.  They are also required to declare any financial links with specific companies that may be a conflict of interest, enabling you to make the best-informed decision.


7. Risk and Advocacy Experience

Extensive experience dealing with different clients and claim situations equips insurance brokers with a broader perspective on how to reduce your risk. Also, in the event of a claim, you can count on your broker to act as your advocate with the insurance company and handle your claim fairly and promptly.

Speak to MBS Insurance in Edmonton about your Coverage

Reach out to MBS Insurance today to determine your home, auto, and commercial coverage options. Over the past 45 years, our experienced team of insurance brokers in Edmonton has earned the trust and loyalty of our clients by delivering superior products and services. We understand your needs and provide you with the best protection and rates.

There are many benefits of an insurance broker. We can help you understand the intricacies of your insurance plan while saving you money at the same time. We are a trusted insurance provider in Edmonton and provide personal and commercial insurance policies to people living in Alberta. We offer the best rates on recreational, auto, property, commercial, and group insurance policies. 

Contact us online for a free quote or by phone at 780-436-7880.

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This article was originally published on October 7, 2016, and updated for 2021.