It only takes one strong storm to bring down a once-sturdy tree in your yard. After the storm has passed, you may be wondering if your homeowners insurance will cover the expense of removing the limbs or repairing damage to your home if a tree has fallen on it.
Whether or not your homeowners insurance policy covers fallen trees is normally determined by a variety of variables, including what caused the tree to fall and the extent of the damage. Answers to some frequently asked questions about trees and insurance are provided here:
Is my home insurance going to cover damage caused by trees falling on my property?
Insurance companies have a wide variety of policies regarding covering damage from fallen trees. Some will only cover damage if the tree was damaged by lightning, while others may cover damage caused by fallen trees in general. If you have a tree on your property, it is likely that the insurance company will cover damage caused by fallen trees.
Can my homeowners insurance pay for the cost of removing the tree?
In most cases, homeowners insurance will not cover the cost of removing trees from your property. If a tree falls on your roof or into your home and causes damage to it, you may be covered by general liability coverage under certain circumstances.
What if the tree has no negative effects on the property?
If the fallen tree does not cause any damage to your property, it is unlikely that you will be covered by homeowners insurance. Your policy may provide coverage for trees on your property if they are healthy and have been properly maintained.
A tree fell on my car. Is the damage covered by my homeowners insurance?
In most cases, a tree that falls on your car will not be covered by homeowners insurance. If the damage is caused by an accident or collision with another vehicle, however, it may be covered under comprehensive coverage.
How much does my homeowners insurance cover for damage to trees?
Your homeowners insurance policy may have specific limits on how much they will pay out in claims related to falling trees. In some instances, you could find that they only provide coverage of up to $1,000.
What if the tree falls on someone else’s property?
If the tree falls on someone else’s property and causes damage to it, you may be covered by general liability coverage under certain circumstances.
How much does homeowners insurance cover for tree damage to your home?
Your homeowners insurance policy’s coverage limits decide how much your insurer will pay for tree damage. Your house and its attached structures will definitely have different coverage limits.
Your homeowners insurance policy will not cover damage caused by trees on your property. If the fallen tree causes any damage, you may have coverage for that. You may be covered under general liability insurance if the tree falls on another person’s property. Contact our insurance experts at Lou Aggetta Insurance Services to understand how you can incorporate protection against damage caused by trees in your homeowners insurance.