Trees can fall for many reasons, including severe weather, disease, or age. When a tree falls, it can cause serious damage to your home or other structures and lead to costly cleanup. If you are dealing with a fallen tree and are unsure whether your homeowners’ insurance will cover the damage, it is a good idea to contact your insurance agent for guidance.

At Roberts Family Insurance, we help homeowners secure the right type and amount of home insurance in Friendswood, TX, to protect against costly and unexpected risks.

Does Home Insurance Cover Fallen Tree Damage?

Homeowners’ insurance may cover damage from a fallen tree, but coverage depends on the cause of the loss. In most cases, insurance protects against damage caused by covered perils, such as wind, lightning, or storms. If a covered peril causes a tree to fall and damage your home, garage, fence, or another insured structure listed on your policy, repairs are typically covered.

Many policies also include coverage for debris removal, up to a specified limit, to help with the cost of clearing the fallen tree from your property.

If a neighbor’s tree falls onto your home, your own insurance policy usually covers the damage and cleanup. After paying the claim, your insurance company may pursue reimbursement from your neighbor’s insurance if negligence is involved.

The cause of the tree’s fall is critical. If a tree falls due to neglect, disease, or rot that was known or should have been addressed, your insurance policy may not provide coverage. These situations can result in significant out-of-pocket expenses.

Choose Coverage You Can Rely On

The team at Roberts Family Insurance can help you understand what your current policy covers and identify any gaps. We offer home insurance in Friendswood, TX, with a variety of coverage options to fit your needs. Contact us today for a quote or to review your homeowners’ insurance coverage.