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These scenarios will help you better understand what insurance covers for fallen-tree removal.
If a tree falls onto your neighbor’s property but no one is around to hear it, is it covered by your insurance?
The answer lies in what toppled the tree—such as a storm—how well you cared for the tree before it fell, and whether the fallen tree damaged property.
Typically, if a tree—or branches or limbs—falls onto a home, garage, shed or fence because of a storm, homeowners insurance covers the damage and the cost to remove the tree. If there is no damage to structures, fallen-tree removal likely won’t be covered by insurance.
Here are a few common scenarios for when your tree falls onto a neighbor’s property and whether your home insurance is likely to pay for any damage.
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Even though homeowners insurance doesn’t cover the cost of removing a tree or branches that haven’t fallen, it’s smart to have a professional come prune or remove a problem tree before it causes damage.