The General Pattern
Many policies cover damage when a tree falls on a covered structure such as the house, a garage or a fence, and may pay some cost to remove the tree from it. A tree that falls and hits nothing is often not covered. A dead or diseased tree you left standing may not be covered either.
What Is Often Not Covered
- Routine removal or trimming
- A tree that fell but only damaged the yard
- Stump grinding
- Damage from neglect
What to Do After a Tree Falls
- Make everyone safe and call utilities if wires are involved
- Take many photos before anything is moved
- Call your insurer and ask about limits and the deductible
- Get a written quote or invoice from the crew
- Keep receipts for emergency work, like tarping
Policies vary, so read yours and ask your agent. See fallen tree removal and cleanup and emergency tree removal.