Does home insurance cover damage from tree roots?

Answered by Home Insurance, Car Insurance Expert Alexah on April 5, 2021

"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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Home Insurance, Car Insurance Expert

“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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