Does my home insurance cover damage to a patio from a tree?

A windstorm caused a tree to fall on my patio. There's significant damage to it. Will my insurance cover it?

Answer
“Since the damage was caused by a windstorm, your home insurance should cover it, just as comprehensive coverage would cover damage on your car due to acts of God.
Both HO-2 and HO-3** policies cover damage from windstorms. Depending on whether your patio is attached or detached from your home, it would be covered under Coverage A or Coverage B. However, If your patio was damaged due to the weight of water or normal wear and tear, your insurance policy would not cover the claim.
You can always reach out to your home insurance company to get clarification on your coverages. An agent should be able to go over your policy’s conditions and exclusions to confirm your coverage.
If live in an area that’s prone to severe storms, you may want to also get the proper protection for your car. Use the Jerry app to compare quotes from insurers and find the best rates possible for your comprehensive coverage needs.”
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Emily Maracle
Answered on Sep 09, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
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