5 Things to Know About Fallen Trees and Insurance Coverage from Safeco.com

Insurance Claims for Fallen Trees

It’s the time of year when the temperatures warm and the flowers bloom, putting us all in a chipper mood. But, it’s also time for thunderstorms, which most often occur in the spring and summer months, according to the National Severe Storms Laboratory.

With spring officially arriving this Friday, March 20, it’s the ideal time to review what your homeowners insurance, and even your car insurance, may or may not cover when it comes to damage from fallen trees.

Here are five important things to keep in mind:

1. Your homeowners insurance likely covers tree removal and damage repairs for your home and other insured structures, such as fences.

A tree falls on your property and damages one or more insured structures. What now? Your homeowners insurance will likely help with the cost of removing the tree and repairing the damage. That’s once you pay your deductible, of course. Examples of covered incidents can include strong winds knocking a tree over onto your roof or lightning striking a tree, causing it to fall on your fence.

However, if a tree falls due to neglect, you may not receive any coverage. So keep your trees in good shape, and ask your neighbors to do the same.

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