Does home insurance cover a tree falling on your house?
Yes. Homeowners insurance can cover damage to your home and other structures on your property caused by fallen trees, branches, and limbs, if a tree falls on your house. This includes coverage for damage caused by a neighbor's tree falling on your property, although your neighbor's insurance may pay for the damage instead if the tree fell due to negligence on their part.
Does homeowners insurance cover tree damage?
Homeowners insurance may pay for damage to your belongings, home, or other structures on your property (garage, deck, shed, fence, etc.) minus your homeowners insurance deductible, if a tree falls on your house. Plus, it may pay for tree removal and cleanup. If the damage is severe, you should submit a property insurance claim as soon as possible, making sure to take pictures of the damage. Learn more about how homeowners insurance works and what homeowners insurance covers.
If a tree falls on your car, your auto insurance can pay for the damages if you have comprehensive car insurance coverage. This optional coverage pays for events out of your control, such as falling trees, hail, and vandalism.
Does home insurance cover tree removal?
Your home insurance company will not help remove a dangerous, diseased, or dying tree from your property, but it will typically cover cleanup and tree removal if a tree falls on your house or on your property as a result of certain limited covered perils and is blocking your driveway or meets other requirements.
If you hire a tree removal company and they cause damage to your property while removing a tree, the tree removal company's insurance may cover the cost of damages. Before hiring a tree removal service, be sure to ask for proof of insurance, specifically general liability insurance. If they aren't insured and cause damage, you may have to pursue legal action to get them to pay for the damages.
If the damage is minor, it's worth getting a repair estimate before filing a claim to see if the cost would exceed your home insurance deductible. If the repairs cost less than your deductible, you might be better off paying for them yourself.
What if a neighbor's tree fell on my house?
If a neighbor's tree falls on your house, your homeowners insurance may cover the damage if the tree fell as a result of a covered peril and is blocking your driveway or meets other requirements. However, if it's clear that the tree is dead or rotting and your neighbor was negligent, their insurance company should cover the damage.
Keep in mind that negligence can sometimes be difficult to prove. Your case will be stronger if you've previously asked the neighbor to remove the decaying tree or sent them a certified letter from a tree professional stating the need for the tree to be removed. If your neighbor is found negligent, their homeowners insurance may cover the cost of damages.
If a neighbor's tree falls on my property who is responsible for tree removal?
If a neighbor's tree falls in your yard without damaging anything, removing the fallen tree becomes your responsibility, even if the tree was clearly dead or rotting. You can ask your neighbor to split the cost of removal, but if they're unwilling, the cost ultimately falls on you. However, if the tree did not damage anything but blocks the driveway to your residence or blocks a ramp or fixture used to assist a handicapped person, this typically would be covered by your homeowners insurance.
What if my tree falls on a neighbor's house?
If your tree falls on your neighbor's house, your neighbor's home insurance may pay for it unless the tree was rotting or clearly damaged, in which case your neighbor could try to prove you were negligent by not removing it. In that case, your insurance company might have to pay. If your tree didn't hit anything and is simply blocking their driveway, the neighbor's home insurance may cover tree removal expenses unless they can clearly prove negligence.