A casualty loss is defined by the IRS as “… a loss resulting from an identifiable event of sudden, unexpected, or unusual nature.” This definition can include such events as vehicular accidents, storms, floods, lightning, vandalism, or even air and soil pollution.
If you suffer damage to trees or landscaping from any type of casualty, first consult your home owner’s insurance policy to determine the amount and kind of coverage. Contact the insurance company to have an appraisal made by a competent tree and landscape professional who is experienced in plant appraisal. Have the appraisal made right after your loss or damage?
The tree and landscape appraiser accomplishes many things for you. The professional can see things you might miss, help correct damage, and prescribe remedies you may be able to do yourself. The appraiser will establish the amount of your loss in financial terms, including the cost of removing debris and making repairs as well as replacements. All of these steps are wise investments and well worth the cost you may incur for the inspection.