Answers to homeowners about fallen trees and damages

"If my tree falls in my yard will my home insurance pay for it?" We get this question all the time; however, the answer varies depending on a number of factors. Generally, this is how it works:
The answer is Yes. However, the tree must hit a covered structure to trigger your homeowners policy. Also, there is generally a limit per tree and a limit per loss. For example, if the coverage is $250 per tree, and a $500 limit for the loss, then you are only covered for $500, regardless of how many trees fall. If the tree does not hit a covered structure then the tree is not covered - so therefore, if it falls and lands only on, say, your driveway or sidewalk in front of your house, your homeowners insurance won't cover it.

We also get another similar question: "If my tree falls and lands in my neighbors yard, who pays for it?" Each party puts the claim in through call his/her own house insurance. So your house insurance will pay to remove the part of the tree on your property as long as it hit a covered structure. (house, fence, shed, etc.) Your neighbor will have to call his/her own home insurance company to have the portion of the tree on their property removed. It is likely unless the tree hit a covered structure (owned by the neighbor) it won't be covered by their policy and they will have to pay for any removal cost out of their own pocket.

Here's another common question: "My neighbor’s tree falls and hits my house - who covers it?" Even though it’s the neighbor’s tree, it’s still going to be covered by your policy. Your policy will fix your house, and then remove the portion of the tree that is on your yard.

Some insurers now sell optional endorsements that will remove the requirement for the tree to hit a structure. It’s generally not that expensive to add these options if your insurer offers it, and especially if you have at least one or more trees in your yard or the vicinity of your home, it’s worth checking with your agent.