Know Your Homeowners Insurance Policy Before the Storm Hits

When severe weather strikes, it can bring powerful winds, heavy rain, hail, and fallen trees that cause damage to your home. But do you know what your homeowner's insurance covers especially when it comes to tree damage?

Here’s what you need to know before the next storm hits:

Will Homeowners Insurance Cover Damage from a Fallen Tree?

Your insurance may cover damage caused by a fallen tree if the fall was due to a covered peril, like wind or hail, and the tree was healthy at the time. However, if the tree was dead, rotting, or weakened due to neglect, your policy likely won’t cover the damage.

The key factor is why the tree fell.

What If the Tree Falls but Causes No Damage?

If a tree falls on your property but causes no damage and does not block access, your insurance usually won’t pay for cleanup or removal. Generally, property owners are responsible for removing debris - even if the tree fell from a neighbor’s yard.

Who is Responsible for Cleanup?

Cleanup is typically the responsibility of the homeowner on whose property the tree fell. Your neighbor is not liable unless they knowingly neglected a hazardous tree that caused the damage.

If a neighbor was aware of a dangerous tree and didn’t act, you may have grounds for a liability claim but most cases are handled through your own insurance.

What Storm Damage Does Homeowners Insurance Usually Cover?

Most standard homeowners' insurance policies cover damage caused by:

It’s important to review your policy carefully to make sure you have the right protection in place.

We’re Here to Help.

At Profinium, we understand how stressful storm damage can be. Our agents are ready to review your policy and help you get a free quote. Stop by or contact us today - let’s make sure you’re covered when it counts.