If a tree falls on a house, is it covered by insurance? Most of the time, the answer is yes.
According to information from Triple-I, if a tree falls due to a sudden and accidental event — like a wind or snow storm, or a lightning strike — any damage to the home is usually covered under a standard homeowners policy. If a tree falls simply due to negligence or lack of maintenance, though, the claim might be denied.
Tree removal is also typically covered, up to a certain limit — typically $500 or $1,000. Policies might also cover removal if the tree is blocking a driveway or a handicap ramp. But if the tree fell in the yard without damaging any structures, removal is usually the homeowner’s responsibility.
Homeowners might also have coverage for damage to trees and shrubs due to fire, lightning strikes, vandalism or theft. This coverage is usually limited to around $500.
In the slideshow above, FC&S editors answer four questions about tree damage coverage.
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