If a tree falls on your property, the coverages provided by your homeowners policy can be a little confusing. Here’s a breakdown of what applies if and when….

If a tree falls on your property, whether it damages your home or other structures, or if it simply falls without causing damage, how your homeowners insurance covers the situation depends on the circumstances and the terms of your policy. Here are some key points to consider:

  1. Damage to Structures: If a tree falls and causes damage to your home, garage, shed, or other structures on your property, your homeowners insurance may cover the cost of repairs. This coverage typically includes damage caused by the weight of the tree, wind, lightning, or other covered perils. The coverage is subject to your policy limits and deductibles.
  2. Removal of Fallen Trees: Homeowners insurance usually covers the cost of removing a fallen tree from your property if it has caused damage to insured structures. However, if a tree falls without causing damage to structures, and it’s simply a matter of cleanup, the removal cost may not be covered.
  3. Neighboring Property: If a tree falls from a neighbor’s property onto your home, your homeowners insurance will generally cover the damage to your property. The liability for the incident might be a matter for discussion between you and your neighbor, but your insurance is likely the primary source for addressing the immediate damage.
  4. Negligence: If the tree falls due to a lack of proper maintenance on your part, and it causes damage to your property, your insurance might still cover the damage. However, if the insurance company determines that the tree fell because of neglect or lack of proper care on your part, it could affect your claim.
  5. Deductibles: Keep in mind that your homeowners insurance policy likely has a deductible, which is the amount you must pay out of pocket before your insurance coverage kicks in. Be sure to understand your policy’s deductible and how it applies to tree-related damage.

It’s important to review your homeowners insurance policy and understand the specific terms, conditions, and coverage limits. If a tree falls, promptly contact your insurance provider to report the incident and inquire about the steps you need to take to file a claim. Taking photos of the damage and keeping records of related expenses can be helpful during the claims process.

Note: While this article applies to most homeowners policies, every loss is reviewed against the policy provisions in place.