Is Tree Damage Covered By Insurance—A Detailed Guide

does insurance cover tree falling on house

does insurance cover tree falling on house

Does insurance cover a tree falling on your house? What can you do in this situation, and is there a chance that your homeowners insurance will cover repair costs? Mostly, it depends on the coverage that your homeowners insurance offers.

There are many scenarios in which you will probably wonder if you can reliably get coverage for tree removal costs, damage from your tree falling on the neighbor’s house, on your car, or your on your neighbor’s car. Homeowners insurance is an excellent investment, but you have to find a great company and make sure to read all the options before settling on a plan.

Below, you’ll find out whether homeowners insurance covers damages caused by falling trees, in which cases it does and when it doesn’t.

Does Homeowners Insurance Cover Fallen Trees?

In general, most insurance companies cover damages from fallen trees as a part of their homeowners insurance policies. Although that’s not the case with all insurers, if you’re looking for homeowners insurance, you should read everything well and find a plan to cover you for tree damage.

If a tree falls on your house and causes damage, the insurer has to cover the costs for repairs if that is included in your policy. Most insurance companies will also pay for your accommodation if the house is not in a condition to live in, as well as for meals and other related expenses. This happens when trees cause extensive damage and the homeowner has to spend a lot of time out of the house during the renovation process.

If your home suffered a huge amount of damage, then you should get in touch with the insurance company right away and talk to your agent. But, when the damage is easily fixable and affordable, it’s better that you don’t file a claim.

What If A Neighbor’s Tree Falls On Your Property?

Does insurance cover a tree falling on your house if the tree belongs to your neighbor? In general, yes, your insurer will cover the costs and will reimburse you for all the damage. You won’t have to wait for the neighbor’s insurer to take care of the repairs and renovation.

Instead, you’ll get the reimbursement directly from your own insurance company, and then they’ll settle the bill with the neighbor’s insurance company.

Will Insurance Cover Tree Removal?

There are two scenarios when it comes to the removal of a fallen tree.

First, if your homeowners insurance covers damage from a tree that falls on your house, then the insurance also covers the removal of that tree and debris.

But does the insurer always cover the removal, even when the tree doesn’t cause any damage?

When a fallen tree causes damage to your home that requires fixing, in that case the insurer will also take care of the removal costs. This includes removing the trunk and branches that did the damage as well as the rest of the debris.

The second situation is when a tree falls but doesn’t cause any damage to your property. This is a tricky circumstance because some insurers don’t include protection strictly for tree damage and won’t even consider taking over the removal costs since the tree didn’t cause harm to the house. In that case, you’ll have to take care of the debris, branches, and leaves yourself.

However, if the tree falls on the street or poses a danger to other people, you should get in touch with your city representatives and ask for help.

There are insurance companies that do include coverage for the removal of trees that fall on your property due to snow, wind, or sleet but don’t otherwise cause any harm. That’s not the case for all insurers, though, so if you live in an area where these situations might happen, you should find an insurer that offers this coverage.

Does Homeowners Insurance Cover Car Damage Caused By A Tree?

If your tree hits your car, homeowners insurance is unlikely to cover the damage. That’s when you should go over your car insurance and find out if there’s a policy that might reimburse you.

Car damage usually happens during storms, tornados, or when a tree that wasn’t healthy falls over. In all those cases, the insurer will refuse to accept your claim.

When your tree falls on your neighbor’s car, they should seek reimbursement via their own auto insurance. If they don’t have comprehensive coverage, they can try to get it through your insurer. Third-party liability is the policy that will help them fix their car.

FAQs

Who’s liable when a tree falls?

Although many homeowners find themselves financially responsible when a tree planted in their yard falls on a neighbor’s property, that’s not always the case. That’s why you should be familiar with liability and your rights in this situation and get informed before you accept any responsibility.

If a tree falls due to factors that you can’t influence, then you’re not liable. By ‘not influence,’ we’re referring to weather conditions such as snow, storm, tornado, etc. Also, if you took proper care and maintenance of the tree but it still fell because of natural reasons, there is no need to accept liability.

In that case, your neighbor should get in touch with their insurer and let them know what happened. Then, your neighbor can file a claim and receive coverage for the damages to their property.

But, in which cases are you liable for the damage, and how can you protect yourself? If a person takes part in the tree falling down, they are responsible and will need to cover the repair costs.

This means that if you decide not to cut a tree that’s obviously not meant to be there anymore, is dying, looks unhealthy, or is moving, and it is on your property, get ready to pay for what may happen. Another common reason the tree owner has to cover repair costs is when they decide to cut trees without contacting a professional.

You have to be very careful and pay a lot of attention to maintenance of trees in your yard. If you notice any changes or if the trees are dying, you should get in touch with a professional.

Conclusion

Does home insurance cover a tree falling on a house? Although insurers offer coverage for damages caused by trees in general, that’s not always the case. To ensure that you’re getting the protection you want, you should get informed by your agent and choose a plan and insurer that works best for you.

If your homeowners plan offers coverage, the insurer will cover the repair costs, and in most cases, the removal costs. You can also expect your insurance company to reimburse you for damages caused by a neighbor’s tree falling.

However, you’re very unlikely to get coverage if your tree falls on your car and the car then needs fixing. In that case, you should turn to your auto insurance.

  • Is tree damage covered by insurance? In most cases, it is, unless your homeowners insurance doesn’t include that kind of coverage.
  • If a neighbor’s tree falls on your house and causes damage, you’ll get reimbursed by your insurance company.
  • If your tree falls and damages your neighbor’s house, you will be liable only if you knew the tree posed a danger, if it was dying, rotten, was moving, etc.