What if Your Tree Falls on Your Neighbor’s Home? This means if you have two trees that have fallen on your home during a storm, you will be required to pay for any costs above the coverage amount. If the tree does fall on your home, most insurance companies will cover the costs of tree removal up to a specific amount per storm.
You will need to check your policy for coverage specifics on this matter.
Other companies will cover some of the costs if you are handicapped and the fallen tree has blocked wheelchair ramps into your home. For instance, some policies will cover some of the costs of removal if the tree blocks the driveway into your home. If a storm blows through and a tree falls over on your lawn without damaging your home, car, or any other covered structures, it is unlikely that your insurance will cover the costs of removing the tree. Does Insurance Pay to Remove Fallen Trees? If a tree in this situation falls on your own home or property, your insurance may refuse to cover the costs of repairs and removal as well. This means that it is up to you to prune or remove trees that are a danger to your own property or to the property of others.Īdditionally, if you know the tree is a risk, and you fail to remove it and it falls onto a neighbor’s home or property, you could be found personally liable for the damage the tree causes and the removal of the tree. You, as a homeowner, are responsible for maintaining your home and grounds. Most home insurance policies specifically exclude trees that are still standing – even after they become a danger. Does Insurance Pay for the Removal of Standing Trees? Occasionally time, disease, and the elements take a toll on trees, turning them into dangers to your own property or the property of others. Tree are quite common around houses and in communities throughout the U.S. Will My Insurance Pay To Have a Dangerous Tree Removed? Posted on Jun 29, 2016
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