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Sep 14, Homeowners insurance protects your home and personal belongings from the unexpected, including fallen tree damage after a bad storm. Fallen tree damage and removal is generally covered if the tree landed on a covered structure and fell because of a covered peril, like heavy winds or a lightning strike.

But if your insurer can prove that the tree fell due to an exclusion in your policy, like termite damage, the loss may not be covered. A. If the tree damaged your home, a homeowners insurance policy may help cover the cost of repairing your house as well as removing the fallen tree branches, the III says. But if the tree fell without causing damage to a structure on your property, homeowners insurance likely won't cover the cost of removing the debris, according to the treenotch.clubted Reading Time: 7 mins.

Jun 21, Homeowners insurance also covers tree removal if an insured structure was hit. Policies often limit how much coverage is provided for removing a tree. Typically, the amount falls betweenand 1, This coverage extends to plants, shrubs and branches too, which can become projectiles during a storm. A: If the fallen tree hits your home or other insured structures, a typical homeowner’s policy covers any reasonable expenses to remove it from the covered property so repairs can be made.

When your car is damaged by any unexpected event, you are often concerned with getting your vehicle repaired or replaced as soon as possible.

Then, removing the debris from the residence premises is usually covered up to a specified limit, generallydepending on the policy. Jun 20, If the causes of the fallen tree were fires, explosions, lightning storms, riots, vandalism, theft, or vehicles not owned by the property owner, then insurers can cover for the tree removal. Aside from these reasons, homeowners insurance companies won’t cover the removal costs if the tree falls down because of natural reasons like age and rot.

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