Does Homeowner’s Insurance Cover Tree Damage from Storms?

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Fallen tree on house.
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Insurance Coverage for Tree Removal

If your tree is damaged in a storm, does homeowner's insurance cover the removal costs? This is a question that many people have. The answer is: it depends on your policy. Every policy is different, so it's important to read the fine print and understand what is and isn't covered.

In this blog, we will discuss tree damage and homeowners' insurance policies.

A Fallen Tree Damages Your Home

The first thing you should do if a tree falls on your home is to assess the damage. If the tree has caused damage to your home, we suggest contacting a local tree removal company to help you assess the damage, especially if the damage is extensive.

You will also want to contact your homeowner's insurance company as soon as possible. Many homeowner's insurance policies have a tree removal clause, but again, it is important to read the fine print and understand what is and isn't covered.

A Fallen Tree Damages Your Landscape

If a tree falls in your yard and doesn't damage your home, you may still be able to file a claim with your homeowner's insurance company. Some policies cover tree removal if the tree poses a danger to people or property.

Again, it is important to read the fine print of your policy and understand what is and isn't covered.

Your Insurance Company May Cover the Costs of Tree Removal

If you have a tree removal clause in your homeowner's insurance policy, your insurance company may cover the costs of removing the tree from your property.

However, in most cases, your insurance company will not cover the cost of removing a tree that has fallen but has not caused any damage to your home. If this is the case, you will likely have to pay for tree removal out of your own pocket.

Tree Removal Services With Tree Masters

If you need tree removal services, we suggest contacting a local tree removal company. Here at Tree Masters, we offer tree removal services in Waxhaw, NC and surrounding areas. Give a call for assistance at (704) 802-1150 if you have any questions.

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