A strong storm, heavy snowfall, or even an unexpected accident can leave you with a fallen tree in your yard, on your home or car, or on your neighbors’. When it happens, one of the first questions people ask is, “Will my insurance cover this?” The answer depends on how and where the damage occurred.
When Tree Damage Is Covered
Most standard homeowners insurance policies cover tree damage if the cause is a sudden, unexpected peril that your policy protects against. These perils usually include:
- Windstorms or hurricanes
- Lightning strikes
- Fire
- Vandalism
- Vehicle impact
If a tree falls on your home, garage, shed, fence, or another insured structure because of one of these events, your policy typically covers the cost of repairs, minus your deductible. Some policies may pay toward tree or debris removal, though limits can vary.
Coverage often applies even if the tree didn’t grow on your property. For example, if your neighbor’s healthy tree is blown over by strong winds and lands on your roof, your insurance would likely pay for the damage and removal, then work with your neighbor’s insurer if needed.
When Tree Damage Isn’t Covered
There may be some instances when the damage to your trees is likely not covered, including:
- A tree falls without damaging an insured structure (e.g., it lands in your yard)
- You want to remove a tree as a preventive measure
- Damage was caused by flooding or earthquakes (unless you have separate coverage)
As the saying goes, “an ounce of prevention is worth a pound of cure.” Routine maintenance, like trimming branches, removing dead limbs, and checking for disease, is a smart way to prevent larger, more expensive damage from occurring.
What About Cars and Outdoor Property?
Vehicles: Homeowners insurance does not cover tree damage to cars. You would need comprehensive auto insurance for that.
Outdoor property: Items like patio furniture, grills, or playsets might be covered if damaged by a covered peril, but coverage limits apply.
How to Prepare Before a Claim
- Inspect your trees regularly for rot, cracks, or leaning.
- Trim branches away from your home and power lines.
- Remove dead or diseased trees promptly.
Review Your Coverage
Tree damage can be costly, but knowing what your homeowners policy covers can save you from unexpected expenses. Have questions about your coverage limits or debris removal limits? Contact us today.
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