Homeowners And Tree Damage – Are You Covered?

Trees can cause a lot of damage when they fall. If a tree has hit your home you probably want to know if your homeowners insurance will cover the cost of repairs.

Will homeowners insurance cover house damage caused by trees?

Standard homeowners insurance policies will cover the cost of repairs when a tree falls and damages your home. You will have to pay your deductible, and filing the claim could cause your premiums to increase, so weigh the cost of the repairs against how much it would cost you to make the repairs without filing a claim. If the cost of repairs is little more than the cost of the deductible, you are probably better to pay for those repairs out of pocket.

Will your insurance policy cover damage caused by a tree that fell from a neighboring property?

In most cases, yes, your insurance company will cover the claim. However, if the tree fell into your house and the neighbor knew that it was a hazard, your insurance company may go after the neighbor's insurance company to recover the cost of the claim. If your insurance company wins the battle, you will recover the cost of the deductible.

Does the insurance policy cover the cost of tree removal?

The only time a standard homeowners insurance policy will cover the cost of tree removal is when the tree has already fallen and has damaged the house. The policy will not cover the cost of removing trees that are standing or that have fallen without causing any structural damage to the home.

Will homeowners insurance cover damage to a car hit by a fallen tree?

No. Your auto policy is in place to provide coverage for vehicles. So, if a tree falls and lands on your car, file a claim with your auto insurance company.

Can a tree damage claim be denied?

If the insurance company can prove that you knew that the tree had the potential to fall on your home, they could deny the claim. For example, if the tree was obviously leading towards the house and had died, the insurance company will claim that you knew that the tree was falling and that you should have done something to remove the tree before it fell on your home.

Homeowners insurance policies can vary greatly by state or policy type. If you are unsure if tree damage is covered under your policy, talk with your agent. If you're not happy with the coverage offered by your company, you may want to explore policies through other companies, like Parker Insurance Agency.