DID YOU KNOW....

If a Tree Falls on My Home, What Do I Do?

If a tree falls on your house, homeowners insurance will likely cover the damage and possibly the cost of debris removal.
But there are certain situations where your homeowners insurance doesn’t cover damage caused by a falling tree.
Check with your agent to be sure you understand the limitations of your homeowners coverage.

What happens if a tree on my property falls on my car? Does my homeowners insurance cover that damage?

No, your homeowners policy wouldn’t cover the damage to your automobile. In this case, you’d need to file a claim with your auto insurance. Whether that is covered would depend on if you have purchased comprehensive coverage on your auto policy, subject to policy terms and exclusions.

Am I covered for damages caused by someone else’s tree?

If your neighbor’s tree falls during a storm and damages your house, you should still be covered by your homeowners insurance policy. However, if the tree fell because it was dead and rotting, you might possibly make a case that your neighbor is responsible for any damages due to negligent upkeep. Keep in mind, this is very difficult to prove and would require documented proof that you had asked the neighbor to remove the dead tree before it eventually fell.

On the other side of the coin, if your tree falls and damages your neighbor’s house, their homeowners insurance would cover the damage. But again, if your neighbor can prove you were negligent in not removing the tree, you could be determined to be liable for the damage yourself.