• Shelby Office

    P: 712.544.2628
    F: 712.544.2030
    E: kim@landmarkia.com

  • Kevin Osborn

    Offices in Harlan, Irwin, Portsmouth, Panama, & Elk Horn. Call 712-579-0825

If A Tree Falls…How will my home insurance pay?

Tall Green TreeHelp – My tree has fallen? Will My Home Policy Pay to Clean it up?

Fallen trees can cause expensive damage to homes and property, and can be a hazard in addition to causing a hassle. If a storm knocks over a tree and it crashes onto your property, you might be covered. It all depends on where the tree falls. Damage to your home and its contents, and other structures on the property, is covered. You are responsible for the deductible.

Homeowners insurance typically covers the costs of removing the tree or shrub that fell on an insured structure. There is generally a cap of $500 or $1,000 per tree/shrub.

The standard policy replaces trees and shrubs damaged by fire, vandalism, lightning and several other perils, but not water or wind.  Again, there are generally limits to how much will be reimbursed.

If a tree falls in your yard and nothing is damaged, there is no coverage to remove the tree. However if it blocks a driveway or ramp for the disabled, insurance may pay to have it removed.

What if its my neighbors tree?

If your neighbors tree falls on your roof or covered structure, you will need to file a claim with your insurance company and pay your deductible. Your insurer might go after the neighbor’s insurer to cover its costs if negligence can be proven. In that case you may be reimbursed for your deductible.

What if it damages my car?

Damage to your automobile is covered by the comprehensive portion of your auto insurance policy. If you only have a liability policy then you have no coverage. Why won’t my insurance pay to remove a damaged tree that’s leaning toward my home? An insurance policy covers damage, not the threat of damage. A home insurance policy is not a home maintenance policy.

Why won’t my insurance pay to remove a damaged tree that’s leaning toward my home?

An insurance policy covers damage, not the threat of damage. A home insurance policy is not a home maintenance policy.