Homeowners insurance can cover damage to your home and other structures on your property caused by falling trees, branches and branches if a tree falls on it. Homeowners insurance can cover damage to your home and other structures on your property caused by falling trees, branches, and branches if a tree falls on your home. This includes coverage for damage caused by a neighbor's tree falling on your property, although your neighbor's insurance may pay for the damage instead if the tree fell due to your negligence. Home insurance will cover the cost of removing trees depending on how and where the tree fell.
If the tree fell due to wind, hail, or a buildup of snow or ice and fell on an insured structure, home insurance may pay for its removal. But if the tree falls on the grass without damaging anything, the insurer probably won't cover its removal. Most homeowners insurance policies cover both the removal of trees and the repair of damage after the fall. However, there are still restrictions on coverage depending on where the tree falls and the type of damage it causes.
Most policies pay for all damage caused by a tree, even when it doesn't fall off at all, but scratches or dents something. To be covered, you'll need to add a shared housing coverage endorsement to your short-term rental policy or a completely independent homeowner's insurance policy if you're renting your guesthouse for the long term. If a tree falls due to rot, mold growth, or old age, home insurance won't cover moving costs. When this is the case, sheds and other attached buildings may or may not be excluded from the insurance policy.
If a tree falls due to wind, hail, or the weight of snow or ice, insurance will only cover the removal if it falls on a covered structure on your property or blocks its entrance. The final insurance policy premium for any policy is determined by the insurance company that underwrites it after the application. HO-3 policies don't cover earthquakes either, but your insurer will have this additional insurance available for removals if you live in a region where there are frequent tremors. Many homeowners are surprised to learn that their insurance companies are not willing to pay for the preventive removal of dead and sick trees.
Unless you're cutting down the tree yourself or knew it was a liability and you didn't act, the neighbor's insurance company is responsible for the claim. If your policy is written to cover the removal of trees from all covered surfaces, your insurance company may be happy to pay for the removal of trees that fall on your lawn, patio and other outdoor surfaces. In most cases, if a tree falls on your home due to one of these common hazards, insurance will cover the cost of the move. If a pest, such as flashlights or termites, kills trees, home insurance won't pay to treat or eliminate them either.
No, homeowners insurance will only pay for tree removal services if a tree falls due to a covered hazard, such as a windstorm, and falls on your house, fence, or garage. If a neighbor's tree falls on your home, your home insurance can cover the damage if the tree fell as a result of a covered hazard and blocks the entrance to your home or meets other requirements. After 30 years as a writer and editor in the academic world, Mary now writes full time for the insurance and finance industries. If you're concerned about the condition of a specific tree, you may want your home insurance to cover the cost of removing it.