Homeowners insurance sometimes helps pay for tree removal, but it depends on your policy and on why the tree needs to come down. Coverage is more likely when a tree falls and damages a covered structure, such as your house or garage, than when a standing tree is removed as a precaution.
Every policy is different, and only your insurer can say what yours covers. What follows is general information to help you ask better questions, not legal or insurance advice.
When a Fallen Tree May Be Covered
Many homeowners policies include some coverage when a tree falls on a covered structure because of a covered event, such as wind or lightning. In those cases, the policy may help pay to repair the damage and, sometimes, to remove the part of the tree that is on the structure.
Some policies also include limited coverage for removing a fallen tree that blocks a driveway or a ramp, even if it didn’t hit the house. Limits and conditions vary, so check the wording in your own policy.
Situations Where Coverage Is Less Likely
Removing a healthy tree because you want more sun or space is usually a homeowner expense. The same often applies to a tree that is dead or declining but hasn’t fallen yet.
Insurers may also look at whether damage was caused by a lack of maintenance. If a tree had been dead for a long time before it fell, the insurer may treat the claim differently from one caused by a sudden storm.
A tree that falls in an open part of the yard without hitting anything covered may not be included either. In that case, cleanup is often left to the homeowner.
Steps to Take After a Tree Falls
Safety comes first. Stay away from any tree touching a power line, and don’t climb onto a damaged roof. Call 911 if anyone is hurt or if lines are down.
Once everyone is safe, take clear photos of the tree and the damage from several angles. Contact your insurer as soon as you can and ask how they want you to proceed before major work begins, unless the tree poses an immediate danger.
Keep copies of estimates, invoices and any emergency work receipts. Your insurer may ask for them when reviewing the claim.
Planning Ahead With Your Policy
It’s much easier to understand your coverage before a storm than after one. Read the section of your policy about trees and debris removal, or ask your agent to explain it in plain terms. Missouri homeowners with large trees near the house may want to ask specific questions about limits and exclusions.
It also helps to keep up with basic care. Having a tree looked at when you notice dead limbs or a new lean can prevent bigger problems later. If a tree does need to come down, you can read about professional tree removal and what the process involves.
Talk with your insurer first if a tree has damaged your property. After that, a tree service can look at the situation and explain the practical options for removing it safely.
Leave a Reply