When trees damage people and property because of storms, your homeowners insurance should have coverage.The almighty keyword to focus on is Perils, specifically Perils outlined and named in your policy. Some of these are going to be specific to your area, for example if you happen to live in Tornado Alley, on a part of the coast where hurricanes are more common, in the interior where winter storms happen most years, and so forth. All of these can potentially lead to tree damage or displacement that leads to property damage. Here’s a really quick and easy breakdown to give you an idea. At the end of the day you need to see what kinds of perils your policy covers, and which it doesn’t, in regards to trees. Does homeowners insurance cover tree removal? These are generalized, but help answer the question.
_ Windstorm or Hail (Tree On House) - YES
_ Windstorm or Hail (Tree On Lawn or Non-Damaging Space) - NO
_ From the Weight of Ice, Snow, Sleet (Tree On House) - YES
_ From the Weight of Ice, Snow, Sleet Weight (On Lawn or Non-Damaging Space - NO
_ General Rotting, Breakdown or Aging (House, Lawn, or Empty Space) - NO
_ Disaster like Flooding or Earthquake (House, Lawn, or Empty Space - NO
Of course there are other special circumstances. For example, what if a homeowner is disabled and the tree didn’t damage anything, but sits in front of the wheelchair ramp? Or, if it’s fallen and blocked your driveway (but didn’t smash cars), you should check with your policy provider. How about when your tree falls onto city property, like the street or sidewalk? Again, check your policy and call the city government to find out!