Does Insurance Cover Tree Falling On House?
Homeowners insurance policies provide a variety of coverage for a variety of events that can occur on a homeowner’s property. One of these events is when a tree falls on a home. Depending on the specifics of the policy and the type of damage, a homeowner may be able to receive coverage for tree damage.
What Is Covered By Homeowners Insurance?
A standard homeowners insurance policy will cover damage caused by a falling tree. This includes damage to the structure of the home, as well as damage to personal property inside the home. It may also cover the cost of removal of the fallen tree and debris. In some cases, it may even cover the cost of replacing the tree.
What Is Not Covered By Homeowners Insurance?
In some cases, homeowners insurance may not cover all of the costs associated with a fallen tree. For instance, if the tree was weakened by a storm, but it did not actually fall, then the policy may not cover the cost of removing the tree. In addition, if the tree was diseased or otherwise unhealthy before it fell, then the policy may not cover the cost of removing it or replacing it.
Factors That Determine Coverage
The specific details of the policy will determine whether or not a homeowner is eligible for coverage in the event of a fallen tree. The following factors will be taken into consideration:
- The type of damage caused by the tree – Coverage may be provided for damage to the structure of the home and/or personal property inside the home.
- The cause of the tree falling – Coverage may be provided if the tree fell due to a covered event such as a windstorm or hail. Coverage may not be provided if the tree fell due to neglect or disease.
- The type of tree – Coverage may be provided if the tree was healthy and not diseased before it fell. Coverage may not be provided if the tree was diseased or otherwise unhealthy.
How To Make A Claim
If a tree falls on a home and the homeowner believes they are eligible for coverage, they should contact their insurance company to make a claim. The insurance company will investigate the claim and determine if coverage is available. If coverage is available, the insurance company will provide the homeowner with an estimate of the cost to repair the damage.
Conclusion
Homeowners insurance policies can provide coverage for damage caused by a fallen tree. The specific details of the policy will determine whether or not the homeowner is eligible for coverage. If a tree falls on a home and the homeowner believes they are eligible for coverage, they should contact their insurance company to make a claim.