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Does Homeowners Insurance Cover Fallen Trees?

Jun 30


If a tree falls on your property, you'll want to find out if insurance will help to take it down and if the damage from the tree is covered under your homeowner insurance. We'll look over your insurance coverage, although the answer might not always be obvious.

Are you covered under insurance to remove trees?

There are numerous reasons that trees fall, and there are a variety of solutions. Insurance policies are governed by specific terms and conditions unique to each plan.

Generally speaking, public adjuster arizona will pay for any damage caused through a fallen tree. Standard homeowner's insurance usually includes an inventory of the covered risks which you're protected for.


These are the most typical reasons for falling trees.


  • Smoke and fire

  • Lightening

  • Explosion

  • Riot

  • Vandalism

  • Falling aircraft

  • Windstorm

  • Hailstorm

  • The weight of ice or snow

For the third and fourth items the perils mentioned above are only covered if the fallen tree harms a structure that is within your property. If the tree has the ability to fall over all structures and without causing any damage then you will be responsible for all cleanup costs.


All other risks are covered regardless of whether or not a structure was damaged. Public Adjuster in Mesa, Arizona will tell you the entire story clearly Call for additional assistance and support.


That is to say the insurance policy you have will not cover a fallen tree.

  • The main reason for the tree's fall

  • Your personal insurance plan

  • What did the fallen tree do to the damaged

  • How Falling Tree Insurance Coverage Functions

  • The coverage you have for tree-related damages or cleanup will come with the standard limits and deductibles. Most often, tree-related damage is covered by 5% of dwelling coverage. The policy is subject to restrictions and can vary based upon the specific policy. They typically range from $500 and $1,000.

  • How do I submit a claim for falling tree injury

  • Your safety should be your primary priority when a tree falls upon your property. Next, ensure that everyone is secure and has shelter. Contact your insurance company to discuss repair costs.

Are I covered for a neighbor's falling Tree?

It's quite common for a neighbor's tree to be able to fall, causing damage to your home. It may not be your tree. It is your responsibility to calling public adjuster because it's your property which has been damaged. Your neighbor may not be insured for your home.


However, there is an exception. The insurance company is required to cover their home liability insurance in the event that they discover that the neighbor was not caring regarding the tree.


The same applies to trees as well. If the neighbor's tree damages their property, and you're liability insurance doesn't cover it and you are required to take out your liability insurance. You will not be covered if your liability insurance is found to be insufficient for trees that caused damages to your property. We will assist you in claims for the money. Select Adjusters will guide and help you.



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Select Adjusters
2152 S Vineyard #136, Mesa, AZ 85210, United States