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Does home insurance cover a tree falling on a house?
During a winter storm, a tree fell and put a hole in our roof. Will our home insurance cover the damage caused by the tree falling on our house?
Rachel Rigolino · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
In your case, it is likely that your
home insurance
will cover the tree damage, but it depends on why the tree fell. If an otherwise healthy tree comes down and damages a house during a storm, home insurance will pay to fix the damage to the house and will help to pay the cost of removing limbs and other debris from your yard (usually up to $500 per tree).However, there are some exceptions and limits, which are covered below:
- If a tree comes down and doesn’t damage a structure or doesn’t block your driveway, your insurance company may not cover any of the cost of removing the tree—or the payment may be limited.
- If a rotted/dead tree damages your house, your insurer may deny your claim. Why? Because you should have taken down the tree as routine maintenance.
- If a tree comes down as the result of a flood or earthquake, you will not be covered unless you have flood and/or earthquake insurance.
Your claim sounds straightforward. Hopefully, you’ll be able to fix the roof quickly and life will return to normal.
Have questions about home insurance and downed trees? You can rely on
car insurance
and homeowner insurance app Jerry
to provide you with answers. Give Jerry’s friendly agents a quick text or call. They can also help you with shopping for your home insurance policy and getting a rate that fits your budget.View full answer
- Gregory R.
WHY YOU CAN TRUST JERRY
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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