Will renters insurance cover the cost of a cleanup after a big storm?

I'm renting a house and the front yard and backyard are a big mess after a recent storm. I'm talking a fallen tree, busted fence, etc. According to the lease agreement, the tenant is responsible for lawn care and maintenance. So does this mean my renters insurance will cover the cost of the post-storm cleanup?

Answer
“Your renters policy covers personal property (your belongings) and personal liability (bodily injury or property damage that you are legally responsible for). Because you are not legally liable for damage caused by a storm, the damage is not something that a renters policy would cover.
Although your lease states that you are responsible for lawn care and maintenance, it is reasonable to assume that removing or repairing the fence and the tree is outside the scope of routine lawn care and maintenance. I would notify the property owner of the damage caused by the storm in case they would like to file a homeowners insurance claim for the damages. “
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Shannon Martin
Answered on Apr 13, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
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