Depending on where you live, you could be asking yourself, “does homeowners insurance cover fallen tree damage?” It depends on the situation. During windstorms and other disasters, trees fall on homes, power lines, vehicles, other buildings, and sadly, on people. So, before you file a claim, we recommend that you take a look at your specific insurance policy. We have laid out some basic information about coverage from a typical insurance policy in this article. The ins and outs of your coverage will depend on the company. However, this is a good place to start, instead of waiting to ask the question once a windstorm, hurricane, or other disaster has occurred. Below, you will find a simplified version of what is and is not covered when it comes to help with fallen trees and the damage they bring.