Tree removal is typically covered when a fallen tree damages your home or other insured structures due to events such as storms, wind, or lightning.
Insurance typically pays only if the tree causes visible damage to your home, garage, fence, or blocks access to areas like a driveway.
If a tree falls without causing any damage, your insurance likely won’t cover the cost of removal.
Removing a dead, unstable, or leaning tree before it falls is considered maintenance and isn’t covered by insurance.
If a neighbor’s tree falls on your property, your insurance policy typically covers the damage first. For cars, coverage depends on your auto insurance, specifically comprehensive coverage.
Ready to secure your home and belongings? Protect your home from unexpected damage. Review your coverage and stay prepared for tree-related risks. Contact an expert today.