July 2026 Newsletter

Tree Damage Flowchart: Who’s paying for this tree?!

A quick guide to understand who may be responsible for tree damage and how insurance may respond.

The tree damage flowchart is a simple guide to help you understand who may be responsible when your property is damaged by a falling tree or another covered event. Just follow the steps to see whether your homeowners insurance, another party’s insurance, or your own out-of-pocket funds may cover the loss.

Fences, homes, and other structures can be a valuable investment, and damage can happen when you least expect it. That’s why it’s important to know what your insurance may or may not cover before a loss occurs.

It’s also a good reminder that the right insurance coverage can help protect you from unexpected expenses when the unexpected happens.

E-bike Safety Tips

Always Wear a Helmet

A properly fitted helmet is one of the best ways to reduce the risk of serious injury. Make sure it fits snugly and sits level on your head.

Stay Visible

Use headlights, taillights, and reflectors when riding in low-light conditions. Wear bright or reflective clothing and always signal your turns.

Follow Traffic Laws

Obey traffic signs and signals, ride with the flow of traffic, and stay alert to your surroundings.

Obey traffic signs and signals, ride with the flow of traffic, and stay alert to your surroundings.

Choose the Right E-Bike

Select an e-bike that fits the rider properly and includes safety features such as reliable brakes, speed controls, and easy-to-use controls.

Prioritize Battery Safety

Look for UL-certified batteries and follow the manufacturer’s charging instructions. Never use damaged batteries or chargers.

Buying a Used E-Bike?

Inspect the battery, brakes, tires, frame, and controls. Ask about maintenance history and battery life before making a purchase.

Talk About Safe Riding Habits

Remind riders—especially kids—that higher speeds reduce reaction time and increase the risk of serious injury. Ride responsibly and stay focused.

Protect Your Investment

Lock your e-bike in a secure, visible location or store it indoors when not in use.

Whether it’s a falling tree or an e-bike accident, the right insurance means no surprises when things go wrong.

Stay Safe & Enjoy the Ride!