Does insurance cover tree damage to a guest house in BC?

In most cases, yes. Wind and storm-related fallen trees are commonly covered perils under BC home insurance policies, including damage to detached structures like guest houses, subject to your deductible and policy limits.

Why rebuild a guest house instead of repairing it after tree damage?

When structural compromise is extensive across multiple planes, moisture exposure is significant, or the existing structure was older and non-compliant, a rebuild delivers faster certainty, cleaner code compliance, and a result that performs long-term — often at comparable or lower total cost than piecemeal repair.

Do you need a development permit to rebuild a guest house in West Vancouver?

Yes. Rebuilding a detached accessory dwelling in West Vancouver typically requires a development permit, District design board review, and neighbour consultation. Eurohouse manages the entire permitting process as part of insurance restoration projects.

Can Eurohouse handle both the insurance claim and the rebuild?

Yes. Eurohouse works directly with homeowners and insurance adjusters throughout the process — from initial damage assessment and scope documentation through design, permitting, and construction to final occupancy.

Fallen tree damage to guest house on Rosebery Avenue West Vancouver — structural impact requiring full rebuild

Insurance-Funded Restoration

Storm Damage to Modern Rebuild

Rosebery Avenue, West Vancouver, BC

From Fallen Tree to Permitted New Build

A mature tree came down during a North Shore storm and destroyed the detached guest house on Rosebery Avenue in West Vancouver. It was a total loss — roof breached, framing collapsed, water pouring in. Rebuild was the only real option.

Eurohouse Construction managed the entire process from day one: working with the homeowner and their insurer on scope and estimates, designing a modern replacement, engineering it, taking it through the District of West Vancouver's development permit and design board review, consulting with neighbours, and building it.

                    Full Project Scope
                    Damage assessment and insurance scope documentation
Demolition of storm-damaged guest house
Architectural design for new accessory dwelling
Structural and geotechnical engineering
Development permit application and approval
District of West Vancouver design board review
Neighbour notification and consultation process
New construction — foundation through finishing
Coordination with insurer throughout

                

Project Details

Location

Rosebery Avenue, West Vancouver

Project Type

Insurance-Funded Guest House Rebuild

Cause of Loss

Fallen Tree — Storm Damage

Decision

Full Rebuild (vs. Repair)

Scope

Damage Assessment → Design → Permitting → Construction

Permitting

Development Permit + Design Board Review

Services

General Contracting, Design-Build, Insurance Coordination, Permitting

Municipality

District of West Vancouver

Before & After

Guest house damaged by fallen tree on Rosebery Avenue West Vancouver — structural breach and water intrusion

Before — Storm Damage

3D rendering of new guest house design for Rosebery Avenue West Vancouver — modern West Coast contemporary

After — Approved Design

Approved Design — 3D Visualizations

West Coast contemporary accessory dwelling — designed, engineered, and permitted through the District of West Vancouver

Rosebery Avenue guest house rebuild — front elevation showing cedar cladding, covered porch, and upper balcony

Front Elevation — Cedar cladding, covered entry porch, upper balcony

Rosebery Avenue guest house rebuild — front corner perspective showing mixed stucco and cedar cladding

Front Corner — Mixed stucco and cedar, stone base detail

Rosebery Avenue guest house rebuild — rear elevation showing expansive glazing and covered outdoor area

Rear Elevation — Expansive glazing, covered outdoor living

Rosebery Avenue guest house rebuild — street view showing two-storey cedar and stucco design with glass balcony

Street View — Two-storey form, glass balcony railing, gate entry

How We Managed This Project

Emergency Response & Documentation

Site assessment, structural evaluation, temporary weather protection. Comprehensive photo documentation and damage report prepared for insurance.

Insurance Coordination & Scope

Worked directly with the homeowner and insurer to establish scope, prepare estimates, and build the case for full rebuild vs. repair.

Architectural Design & Engineering

Designed a modern West Coast contemporary accessory dwelling. Structural and geotechnical engineering completed for District requirements.

Development Permit & Design Review

Prepared and submitted full development permit application. Presented design to the District of West Vancouver design board. Managed neighbour consultation process.

Demolition & Site Preparation

Removed damaged structure and debris. Prepared site for new construction with proper drainage and foundation work.

Construction & Completion

New build from foundation through finishing — modern envelope, quality materials, and craftsmanship consistent with the primary residence.

Tree Damage? We Can Help.

From emergency stabilization through design, permitting, and rebuild — Eurohouse manages the full process so you don't have to. Serving West Vancouver, North Vancouver, and Whistler.

Contact Our Team →