If your home or other structures on your property, such as a fence, gazebo, or a separate garage, are damaged by a tree on your property, then a standard home insurance policy will cover damages and repairs as well as the removal of the tree. If the tree fell but did not cause any damages to your property, some policies will cover the tree’s removal if doing so will prevent future damage to your property. A homeowner’s policy will also cover any damages to your property caused by tree on a neighbor’s property.
It does not matter if a tree falls due to bad weather, such as a windstorm, or from the weight of snow or ice or because it was rotted. If your home or other structures on your property were damaged by the fallen tree, you are covered. However windstorms are not covered in all states, so check your policy to be sure you are completely covered.
If a tree on your property falls and causes damages to your neighbor’s property, your neighbor’s insurance will cover the damage and repairs. However, your neighbor’s insurance company may seek financial recovery from your provider and your neighbor may sue you for negligence in taking care of the now-fallen tree. Liability coverage, which is found in most homeowner’s policies, protects against claims and lawsuits that result from you being liable for another personís injuries or property damage, and will cover your court ordered damages if you are found guilty of negligence.
If a tree on your property is leaning or rotting, have it removed as soon as possible by a reputable tree removal company. Preventive measures will go a long way toward reducing the potential for tree-related hazards. Document the steps you take in caring for the trees on your property by saving receipts for professional tree care and even photographing the trees as over the course of their lifetime. Doing so could prove helpful if a tree on your property causes damage to a neighbor’s property and you are found liable.