Does Homeowner’s Insurance Cover a Fallen Tree?

Does Homeowner’s Insurance Cover a Fallen Tree?
Hurricane damage to a house roof in Florida. Fallen down big tree after tropical storm winds. Shutterstock
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If you have large trees around your home, there’s always the fear that one will fall on your house. Falling trees are an underrated danger from hazardous weather. But trees with rot have been known to fall on their own as well.

When dealing with a fallen tree, your first concern is safety. Once the dust has settled, most people put a call into their insurance company to see if they have coverage. Having coverage from a tree damaging your property is not always cut and dry.

How the Tree Fell Determines Insurance Coverage

After they ask you if you’re okay, one of the first questions you'll be asked when you call your insurance company is how the tree fell.
Anne Johnson
Anne Johnson
Author
Anne Johnson was a commercial property & casualty insurance agent for nine years. She was also licensed in health and life insurance. Anne went on to own an advertising agency where she worked with businesses. She has been writing about personal finance for ten years.