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These scenarios will help you better understand what insurance covers for fallen-tree removal.
If a tree falls onto your neighbor’s property but no one is around to hear it, is it covered by your insurance?
The answer lies in what toppled the tree—such as a storm—how well you cared for the tree before it fell, and whether the fallen tree damaged property.
Typically, if a tree—or branches or limbs—falls onto a home, garage, shed or fence because of a storm, homeowners insurance covers the damage and the cost to remove the tree. If there is no damage to structures, fallen-tree removal likely won’t be covered by insurance.
Here are a few common scenarios for when your tree falls onto a neighbor’s property and whether your home insurance is likely to pay for any damage.
Have you considered these hidden dangers in your house and yard?
Learn MoreEven though homeowners insurance doesn’t cover the cost of removing a tree or branches that haven’t fallen, it’s smart to have a professional come prune or remove a problem tree before it causes damage.