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If a tree falls on a home, is it typically covered by the homeowners insurance policy?

Yes, always
26%
In most cases
53%
In some cases
17%
No, never
1%
Not sure
1%
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Question: If a tree falls on a home, is it typically covered by the homeowners insurance policy?
Top Answer (53% of 79 votes): In most cases.

Answer: Yes, always
Explanation: Once your home is insured, tragic situations are always covered.
Belocura Cabinetry
Answer: In some cases
Explanation: A homeowners insurance policy typically protects your home and other structures, such as a fence or shed, against specific causes of loss, known as perils. Covered perils typically include damage caused by wind. So, the situation that caused the tree to fall is important. If the tree was otherwise healthy and toppled due to wind, a typical homeowners insurance policy may help pay to repair damage to your home or other structure on your property. However, homeowners insurance usually won't cover a loss caused by negligence or a maintenance-related issue. So if the tree was rotting and ready to fall down before the storm, homeowners insurance likely would not cover the damage the tree caused to your home.
Rite Choice Insurance
Answer: In most cases
Explanation: Depends on your policy and it is only up to a certain amount.
Allstate
ProMatcher
Answer: Not sure
Explanation: Specializing In Integrating Yoga Into The Birthing Year, Offering Birth and Postpartum Doula Support In The Fresno/Clovis Area. Find Your New Family Balance, With Support.
Karen Walker Doula Services
Answer: No, never
Explanation: 24 hours
Towing And Wrecker Services
Answer: In most cases
Explanation: There a few questions that would determine who's insurance policy would pay for the damage. What caused the tree to fall? (storm, cut down, decayed, did a car run into it?) Who's tree is it? Did you do it on purpose (you laugh, but weirder things have happened) -- If you have claims questions on a home policy its best to call your agent. Calling the claims office may count hypothetical questions against your policy. Give me a call and we can talk about it!
Faverty Insurance Agency
ProMatcher
Answer: In most cases
Explanation: It will depend on whether it was caused by mother nature by way of storm, lightning, etc. it would be covered. If tree was not properly maintained and was deemed a hazard and fell without mother nature most likely would not be covered.
Liberty Mutual Insurance
Answer: In most cases
Explanation: "If a tree falls on a home, is it typically covered by the homeowners insurance policy?" In the question, if "it" means "the loss", then: If 1) the proximate cause of the loss is a covered peril and 2) there is an existing policy in-force and 3) there is damage to covered property and/or injuries to covered persons and 4) there is no fraud or negligence or any other circumstance which would cause the claim to be invalid and 5) the loss exceeds the deductible and 6) the insured abided by all policy requirements then such loss is typically covered.
Mutual of Omaha
Answer: In most cases
Explanation: Typically yes, most insurance companies would cover a loss due to a tree falling on a home.
Farmers Insurance-Chris Faverty Agency
ProMatcher
Answer: In some cases
Explanation: A complete home structural inspection after a tree falling on a home is also recommended.
Gilded Leaf Home Inspections LLC
Answer: In most cases
Explanation: It depends on which yard the tree is in as to who's policy would cover the damage.
Frank Insurance Group
Answer: In most cases
Explanation: Each claim is unique and adjustors are trained on the specifics. I have yet to find a case where it is not covered. I can tell you that if the tree is diseased and should have been removed it would fall on the homeowners of the tree owner. If it is a health tree then it falls on the homeowners of the house damaged by that tree.
State Farm Insurance
ProMatcher
Answer: Yes, always
Explanation: If your tree falls on your home it is covered under your policy, however if your tree falls on your neighbors property it is covered under their own policy.
Rue Insurance
Answer: In most cases
Explanation: A tree fall on the home will be covered if caused by the perils listed on the policy, if not listed the claim could be denied
Ryan Card Insurance Agency
Answer: Yes, always
Explanation: If the tree causes damage to the home, the damage is covered subject to the policy deductible. If the tree falls cleanly on the ground, removal costs vary from one company to the next.
MetLife
ProMatcher
Answer: In some cases
Explanation: If the tree was already dead, then falls causing damage, it is typically not covered because the homeowner was negligent in the removal of the dead tree.
Hannah Swanson State Farm Insurance
Answer: In some cases
Explanation: The tree has to hit and or damage the home or detached structures to be covered by homeowners insurance.
Pacific Crest Insurance
Answer: In most cases
Explanation: It depends on whose property the tree was on and the cause of the tree falling.
North Carolina Farm Bureau
ProMatcher
Answer: In most cases
Explanation: It will not be covered if an insured intentionally cut the tree down so that it falls on their home.
Insurance Office of America - Eagle Insurance Company
Answer: In most cases
Explanation: Stated in the standard homeowners policy.
The Lewis Financial Group
Answer: In most cases
Explanation: The claims professional would be making coverage decision upon investigation if applies
Nicholas/Tobin Insurance
ProMatcher
Answer: In most cases
Explanation: What caused the tree to fall? Insurance is trigger based. This means that coverage would depend on why it falls on a home and what coverage the homeowners insurance has.
Omni Insurance Brokerage Inc
Answer: In most cases
Explanation: Just depends on the peril if it is covered or not
Liberty Mutual
Answer: Yes, always
Explanation: We are Allstate
ALLSTATE INSURANCE
ProMatcher
Answer: In most cases
Explanation: Most times this would be covered however some rare instances may not be covered.
Liberty Mutual Insurance
Answer: In most cases
Explanation: depending on circumstances
Liberty Mutual Insurance Company
Answer: In some cases
Explanation: Depends on the policy and the circumstances of the tree falling and what is damaged by the tree
Chibbaro Bros/Central Jersey Group
ProMatcher
Answer: In most cases
Explanation: Insurance is designed to cover disasters which are accidental, not purposely. A tree can fall naturally or be cut, but as long as there is not an intent to cause destruction, it is a coverable claim. A basic homeowner's policy will cover all damages caused by wind, hail, fire, and falling objects; except by earthquake and flood. Those risks can be covered by a separate policy.
Gladsyl Insurance, LLC
Answer: In most cases
Explanation: Depends on the insurance company. More often than not it would be covered but there are some companies that might deny this type of claim.
BENICK INSURANCE
Answer: In most cases
Explanation: In almost all cases this is a loss that would be covered by a homeowner's policy. It is important to review your coverage contract though as each carrier has it's own set of guidelines and coverage exclusions.
CityScape Insurance, LLC
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