Does Homeowners Insurance Cover Tree Fall On House?

Picture this: a stormy night, wind howling outside, rain beating against your windows. Suddenly, you hear a loud crash and feel the whole house shake. You rush to investigate and find that a tree has fallen on your roof! It’s not only an inconvenience but also potentially dangerous and costly.

So the question is: does homeowners insurance cover damage caused by trees falling on your house? In this blog post, we’ll answer that question and provide some tips for filing a claim if you find yourself in this unfortunate situation.

Does homeowners insurance cover tree fall on house?

Homeowners insurance can be a crucial safety net for unexpected damages to your home. But when it comes to tree damage, the coverage depends on several factors. Generally speaking, if a tree falls on your house due to a natural disaster such as storm or wind, it is likely covered by homeowners insurance. However, if the tree was diseased and visibly neglected prior to falling onto your property then it may not be covered.

It’s important to note that homeowners insurance does not cover preventive maintenance costs like trimming trees before they become hazardous. Therefore, you should take necessary precautions such as getting regular inspections of trees in your yard and cutting down sick or dying ones.

When filing an insurance claim for damage caused by a fallen tree, make sure you document everything thoroughly including photos of the damage and any receipts or quotes from contractors who have assessed the cost of repair.

In summary, while homeowners insurance generally covers damages caused by natural disasters such as storms and winds; taking preventative measures towards maintaining healthy trees is always recommended.

How to file a claim for damage caused by a tree

Filing a claim for damage caused by a tree falling on your house can seem overwhelming at first, but it’s important to take action as soon as possible. Here are the steps you need to follow:

1. Evaluate the damage: Before filing a claim, assess the extent of the damage caused by the fallen tree. Take pictures and document everything that has been affected.

2. Contact your insurance company: Call your insurance company and inform them about what happened. They will guide you through the process and ask for more details about the incident.

3. Schedule an inspection: Your insurance company may send an adjuster to inspect your property and evaluate how much it would cost to repair any damages.

4. Gather necessary documents: To speed up the process, make sure you have all relevant documentation such as photos, receipts, or estimates from contractors who will be fixing any damaged areas.

5. Wait for approval: After submitting all required information, wait until you receive approval from your insurer before proceeding with repairs.

Remember that each policy has different coverage limits depending on factors like location or specific conditions outlined in their contract agreement so don’t hesitate to ask questions if something is unclear!


A tree falling on your house can be a stressful and costly event. However, knowing what your homeowners insurance covers and how to file a claim can help ease some of that stress.

Remember to carefully review your policy to make sure you have the coverage needed for this type of damage. Also, keep in mind that prevention is key – regular maintenance of trees on your property can prevent them from becoming hazards during extreme weather.

If you do experience damage caused by a fallen tree, don’t hesitate to contact your insurance company and begin the claims process as soon as possible. With proper documentation and communication with your insurer, you’ll be able to get back on track quickly and efficiently.