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

Yes, always
25%
In most cases
54%
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 (54% of 81 votes): In most cases.

Answer: In most cases
Explanation: It depends. 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.
Major Insurance & Tax Group
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
ProMatcher
Answer: In most cases
Explanation: In most cases, however, if the home owner doesn't have insurance, this won't be covered.
Kp Sparkle Cleaning
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
ProMatcher
Answer: In most cases
Explanation: Unless the tree was dead or neglected and no due diligence was involved.
Full Service Personal Insurance Needs
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
ProMatcher
Answer: In most cases
Explanation: If a tree falls on your home, your current insurance policy will react, but if your tree falls on a neighbor's home by an act of God, then you are not at fault if no neglect is found on your part.
Hometown Insurance Agency
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
ProMatcher
Answer: In most cases
Explanation: It could be your neighbors tree. What was the damage? What is your deductible? If you file a claim how will this hurt your claims history? You should talk this over with your agent first before filing.
Farmers Insurance
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
ProMatcher
Answer: In most cases
Explanation: Accidents, such as a tree falling, are covered under your homeowner's insurance. However, the claims adjuster will determine cause of the falling tree, whether it was from softening of the foundation due to weather, or being cut down,or from a neighbor's yard, or being hit by a truck, etc. The determination will be from who's policy will cover the damage and what measures will be taken to prevent it from happening in the future.
Lockhart's Insurance Services
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
ProMatcher
Answer: In most cases
Explanation: In most cases the damage to your home will be covered, as long as the cause of the fall is one of the named perils in the policy (wind, fire, explosion, etc.). In some cases the claim may be denied if the home owner neglected to care for the tree in a proper way (rot, disease, etc.).
G.L. Anderson Insurance Services, Inc
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
ProMatcher
Answer: In some cases
Explanation: It depends on where the tree is rooted and what condition it was in before the fall, was it a known hazard or a random event.
Sandstone Insurance Group
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
ProMatcher
Answer: In most cases
Explanation: Thats typically true
Finite Solutions Inc.
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
ProMatcher
Answer: Yes, always
Explanation: yes
Scott & Associates Farmers agency
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
ProMatcher
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