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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
54%
In some cases
16%
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 84 votes): In most cases.

Answer: In most cases
Explanation: The home needs to be damaged. There is always a deductible involved.
Ligon Insurance and Financial Services, ICN
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
ProMatcher
Answer: In most cases
Explanation: Depends on your policy and it is only up to a certain amount.
Allstate
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
ProMatcher
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
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
ProMatcher
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
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
ProMatcher
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
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
ProMatcher
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
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
ProMatcher
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
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
ProMatcher
Answer: In most cases
Explanation: The claims professional would be making coverage decision upon investigation if applies
Nicholas/Tobin Insurance
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
ProMatcher
Answer: Yes, always
Explanation: We are Allstate
ALLSTATE INSURANCE
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
ProMatcher
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
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
ProMatcher
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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