Home Insurance Tree Damage
Homeowners insurance may help protect against landscaping damage in certain situations. For instance, homeowners insurance may help pay for damage to your home if a tree falls on it, but typically won't cover the cost of replacing landscaping that's damaged by weather conditions. Learn more here.
If the tree damaged your home, a homeowners insurance policy may help cover the cost of repairing your house as well as removing the fallen tree branches, the III says. But if the tree fell without causing damage to a structure on your property, homeowners insurance likely won't cover the cost of removing the debris, according to the III.
If an uprooted or toppled tree tree lands on your fence, it could mean an expensive repair. If you have homeowners insurance, the damage to your fence and your tree is typically covered.
Whose homeowners insurance company pays if your tree falls on your neighbor's house? And if your neighbor's tree falls on yours? Consumer Reports explains who pays for the damage when a tree falls.
Tornados and winter storm damage are two of the biggest causes of tree damage insurance claims. Other than a direct hit, tree debris or wind-damaged trees generate the majority of tornado-related home and auto damage, according to a Nationwide study.
Any damage caused to your property as a result of a fallen tree is typically covered under your home insurance policy. However, there are some variables at play and much of this coverage depends on the condition of your tree and how properly it has been maintained. For example, if the tree was dead before it fell the damage might not be covered as it could be considered a "hazard" within your home insurance policy. Dead trees are considered liabilities and if you did not take steps to remove