Does home insurance cover damage from tree roots?

"Tree roots have grown under my house's foundation and drawn groundwater. This has resulted in flooding in my basement. Does homeowners insurance cover this kind of damage? Or if the tree is city property, is the city responsible for the damage?

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Answer provided by
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Alexah Grinnell
Answered on Apr 05, 2021
Alexah Grinnell has been working in the insurance industry for 5 years with a primary focus of coverage consulting in the sales department. She has been working for Jerry Insurance since July of 2019 and has also has experience working for AAA and State Farm. She currently lives in Rochester, NY with her husband and 3 kids
“In most cases, damage from tree roots is not covered under your homeowners insurance unless you have a specific endorsement listed on your policy to cover it. If the tree is city property, it would be a good idea to contact them to ask if they will take responsibility for the damage. However, they may state that it’s the homeowner’s responsibility to hire someone to remove the roots and repair the damage. “
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