Trees and Insurance

We recently received a question to our agency in regards to how a homeowners insurance and fallen trees, which we thought would be a good topic to share with the rest of our valued clients.
If a tree falls and hits your home or other insured structure like a detached garage, most standard homeowners insurance policies will provide coverage for the damage the tree does to the structure and any contents within in.
In fact, it doesn’t even matter if you own the tree – if it lands on your home, you can file a claim with your homeowners insurance company.  This is important to note because in large windstorms, trees, shrubs, and branches may become projectiles that can do significant damage to your home or other insured structure.
Additionally, if a tree hits your house, there is also coverage for the cost of removing the tree from your property (usually $500 or $1,000).  If the fallen tree didn’t hit a structure, though, there typically isn’t any insurance coverage provided.
Most standard homeowners insurance policies will also provide coverage for damage to trees and shrubs due to fire, lightning, explosion, and even theft and vandalism.   The coverage is usually limited a certain amount like $500 per tree or shrub and the total loss amount cannot exceed more than 5 percent of the total insurance limit you have on your policy.
If you have any questions on how your homeowners insurance policy will respond in the event of claim related to a tree, please don’t hesitate to contact our office.