When you’re a homeowner in Arizona , you might not often think about the potential damage falling objects can cause. Yet, unexpected events like strong desert storms, nearby construction, or even wayward tree branches can result in serious damage. In this blog, we’ll explore how falling object insurance coverage works, how to ensure your policy includes protection, and what Arizona homeowners should look out for.

Falling object coverage is a part of most standard homeowner insurance policies and can cover a range of damage caused by unexpected incidents. Whether it’s a branch crashing through your roof, debris from a monsoon, or even damage from external objects like construction tools, having coverage can prevent you from paying out-of-pocket for repairs.

In Arizona, certain environmental and situational factors make falling objects a unique concern:

Desert Storms (Monsoons): Arizona’s monsoon season brings strong winds that can turn loose branches and debris into projectiles, damaging roofs, windows, and cars. Construction Sites: With Arizona’s growing cities, nearby construction projects are common. Falling debris or tools from construction zones can damage nearby properties. Tree Limbs and Cacti: Arizona’s iconic Saguaro cacti can sometimes become a hazard, especially if planted close to structures. Additionally, trees like mesquite and palo verde are common culprits of broken limbs during storms. Aircraft Debris: Though rare, certain areas closer to airports or flight paths may experience occasional issues with debris or other falling objects.

In most cases, yes. Standard homeowner insurance policies include protection against falling objects. However, coverage specifics can vary:

Coverage A (Dwelling Protection): This portion of your policy covers damage to your home’s structure, such as the roof, siding, and windows. So, if a falling object damages your roof or wall, dwelling protection will generally cover the repair costs. Coverage B (Other Structures): For Arizona homeowners with detached garages, gazebos, or sheds, other structures coverage is essential. Falling debris from nearby trees or construction can cause damage, and this coverage can help repair or replace those structures. Coverage C (Personal Property ): If a falling object crashes through your home and damages your personal belongings—like a branch falling through your living room window and damaging a TV—personal property coverage can provide compensation for repairs or replacements.

If your Arizona home is damaged by a falling object, follow these steps:

Document the Damage: Take clear photos and videos of the damage to provide evidence. If possible, save any physical pieces of the object that caused the damage (like broken tree limbs). Contact Your Insurance Provider: Reach out to your insurance agency as soon as possible to report the damage. Share the photos, videos, and any relevant documents to support your claim. Meet with an Adjuster: An insurance adjuster may be sent to assess the damage and determine how much your insurance company will pay for repairs. Repair Process: Once your claim is approved, you can start repairs. Be sure to work with reputable contractors to ensure repairs meet Arizona’s building codes.

Preventing falling object damage can sometimes be challenging, especially during monsoon season. However, taking the following steps can reduce the risk:

Regular Landscaping: Trim any branches near your home to prevent them from becoming projectiles in high winds. Also, ensure that any cactus plants are secure and stable. Install Roof Reinforcements: Consider adding protective roofing or storm shutters, especially if your home is located in an area prone to heavy storms. Secure Outdoor Items: Keep any outdoor items secured or stored indoors during severe weather to prevent them from causing or sustaining damage. Regular Roof Inspections: Given Arizona's intense sun and monsoons, regular roof inspections can help catch and repair any weak spots that might suffer more extensive damage from falling debris.

Choosing the right homeowner insurance policy homeowner insurance policy that includes sufficient coverage for falling objects is crucial for Arizona homeowners. If you’re unsure about your current policy or need guidance, speak with a local Arizona insurance agent. They can provide insight into policy options that offer optimal protection against falling objects while addressing Arizona-specific risks.

Contact Us for Personalized Insurance Solutions

At Riseson Insurance located in Tempe , we’re dedicated to helping Arizona homeowners protect what matters most. Reach out to us today at 602-460-5470 to discuss how falling object insurance can be a valuable addition to your policy, ensuring your home and belongings are protected against the unexpected.

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Protecting Your Arizona Home with the Right Insurance

1. Desert Storms (Monsoons): Arizona’s monsoon season brings strong winds that can turn loose branches and debris into projectiles, damaging roofs, windows, and cars.
2. Construction Sites: With Arizona’s growing cities, nearby construction projects are common. Falling debris or tools from construction zones can damage nearby properties.
3. Tree Limbs and Cacti: Arizona’s iconic Saguaro cacti can sometimes become a hazard, especially if planted close to structures. Additionally, trees like mesquite and palo verde are common culprits of broken limbs during storms.
4. Aircraft Debris: Though rare, certain areas closer to airports or flight paths may experience occasional issues with debris or other falling objects.

• Coverage A (Dwelling Protection): This portion of your policy covers damage to your home’s structure, such as the roof, siding, and windows. So, if a falling object damages your roof or wall, dwelling protection will generally cover the repair costs.
• Coverage B (Other Structures): For Arizona homeowners with detached garages, gazebos, or sheds, other structures coverage is essential. Falling debris from nearby trees or construction can cause damage, and this coverage can help repair or replace those structures.
• Coverage C (Personal Property ): If a falling object crashes through your home and damages your personal belongings—like a branch falling through your living room window and damaging a TV—personal property coverage can provide compensation for repairs or replacements.

1. Document the Damage: Take clear photos and videos of the damage to provide evidence. If possible, save any physical pieces of the object that caused the damage (like broken tree limbs).
2. Contact Your Insurance Provider: Reach out to your insurance agency as soon as possible to report the damage. Share the photos, videos, and any relevant documents to support your claim.
3. Meet with an Adjuster: An insurance adjuster may be sent to assess the damage and determine how much your insurance company will pay for repairs.
4. Repair Process: Once your claim is approved, you can start repairs. Be sure to work with reputable contractors to ensure repairs meet Arizona’s building codes.

• Regular Landscaping: Trim any branches near your home to prevent them from becoming projectiles in high winds. Also, ensure that any cactus plants are secure and stable.
• Install Roof Reinforcements: Consider adding protective roofing or storm shutters, especially if your home is located in an area prone to heavy storms.
• Secure Outdoor Items: Keep any outdoor items secured or stored indoors during severe weather to prevent them from causing or sustaining damage.
• Regular Roof Inspections: Given Arizona's intense sun and monsoons, regular roof inspections can help catch and repair any weak spots that might suffer more extensive damage from falling debris.