Is water damage covered if a tree fell on my house?

I live in Florida and a storm caused a tree to fall on my house. It ripped a hole my roof, which caused a whole bunch of water damage. Can I submit a claim for that?

Answer
“I’m sorry to hear about your home. I’m sure that was a terrifying experience!
Thankfully, your Florida home insurance will cover the water damage.
Although most home insurance policies exclude water damage unless there is a specific endorsement, water damage resulting from a tree or wind is covered. The proximate cause of your roof damage was the tree. The water damage was a side effect of that.
Alternatively, if water had caused a hole in your roof and damaged your home, you couldn’t submit a claim, unless you had a water damage endorsement or flood insurance.
To be sure, you can reach out to your insurance company. They can explain the claims process and provide more details on your coverage.
Since premium increases are common, consider using Jerry to find cheap home and car insurance. The Jerry app can collect quotes from up to 50 top insurance companies in seconds! They even help cancel your old policy once you’ve made your pick.”
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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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