If a tree falls on your house, the damage will have a more tranquil effect on your checking account if you’re insured. Fortunately, your standard homeowners insurance policy provides coverage for the home and any contents damaged by a tree felled by wind, lightning, or hail.
What if it’s my neighbor’s tree? This typically does not matter. If your house is damaged by a tree, you should file a claim with your insurer. If the insurance company determines the tree fell due to neglect, it may attempt to collect from your neighbor’s insurance company. If successful, the company may reimburse you for your deductible.
Do I have to pay for removal of the tree? If the tree has hit your house or another structure, your policy usually covers the cost of removing the tree, up to a certain limit. If the structure it hit was not insured, generally you’ll have to pay for removal costs. A common exception is the blockage of a driveway or handicap ramp. If this is the case, the insurance company may pay for removal.
What about my beautiful plants? Fortunately, your lovely rosebushes are covered, too. If fire, lightning, explosion, theft, or vandalism damages a tree itself or other shrubs and plants, your homeowners insurance usually covers this as well. The limit is generally 5 percent of the insured amount on the home and is typically capped at $500 for any one plant.