Are Fallen Trees Covered by My Homeowner’s Policy?

Storms and high winds can cause significant damage, especially when trees fall on your property. One of the most common questions homeowners ask is: Are fallen trees covered by my homeowner’s policy?

The short answer is—it depends on the circumstances. Here’s a breakdown of what you need to know:

1. Damage to Your Home

If a tree falls on your home, most standard homeowner policies will cover the cost to remove the tree and repair any damage to the structure. This includes your roof, windows, and any other parts of the home impacted by the fallen tree.

2. Damage to Other Structures

If the tree damages other structures like a garage, shed, or fence, your policy will likely cover the repairs, as long as these structures are insured under your homeowner’s policy.

3. Tree Removal Costs

If a tree falls but doesn’t cause any damage to your home or structures, many policies may still cover the cost of tree removal, depending on where it falls. Some policies only cover tree removal if it blocks your driveway or access to your home, so it’s important to review your specific coverage.

4. Neighbor’s Tree Falling on Your Property

If a neighbor’s tree falls on your property and causes damage, your homeowner’s insurance typically covers the repairs. However, your insurance company may seek reimbursement from your neighbor’s insurance if negligence (like a dead tree) was involved.

5. Acts of Nature vs. Negligence

Insurance companies make distinctions between natural events (storms, high winds) and negligence. If the tree was unhealthy or poorly maintained, the insurance company may view this as negligence, which can affect coverage. This applies to both your trees and your neighbor’s.

6. Preventative Measures

If you notice that a tree on your property is unhealthy or at risk of falling, it’s best to remove it before it causes damage. Insurance doesn’t always cover damage from trees that were not properly maintained.

7. Deductibles and Coverage Limits

Remember, when making a claim, your deductible applies, and there may be coverage limits on how much the insurance will pay for tree removal or repairs.

Protect Your Property Before Disaster Strikes

To ensure you’re properly covered for fallen tree damage, it’s essential to review your homeowner’s policy and discuss any concerns with your insurance provider.

Call Klinger Insurance Group at 301-428-4935 to discuss your current policy, get expert advice, and ensure you have the right coverage in place to protect your home and property from unexpected tree damage. Don’t wait until disaster strikes—get peace of mind today!