03/12/2026
With the now 3+ days of HIGH STRONG winds 🌬️ blowing through the area, figured it would be a GREAT time to remind people how insurance works when it comes to fallen trees If you have further questions, don’t hesitate to ask.
1️⃣ Your tree on your property falls, doesn’t land on anything, just on the ground.
A) No coverage from any type of insurance policy is in play here. You have to get out and cut it up and clean it up, haul away.
2️⃣ Your tree on your property falls, lands on your house causing damage to the home.
A) Your homeowners policy would cover damages and UP TO a certain amount for the actual tree removal that is on the structure. This would be subject to your home deductible, so have an idea of damages costs PRIOR to filing a claim with the insurance to determine if it’s worth it.
3️⃣ Your tree on your property falls, lands on NEIGHBOR’S property, nothing damaged.
A) No policy comes into play here due to nothing being damaged. Be a good neighbor and get out there and either help clean up or pay someone accordingly to do it.
4️⃣ Your tree on your property falls, lands on neighbors property and damaging their home, shed or even a vehicle.
A) As crazy as it may sound, your Neighbors home or auto insurance would cover their damages. Trees falling due to wind is not found to be a negligent act on the property owner unless it’s been reported/documented that it’s a risk. In this case, not to be found “liable.” But again, be a good neighbor and help determine possibly helping with the costs of their deductible to keep the peace.
5️⃣ Your NEIGHBORS tree falls onto your property, not hitting anything or causing any damages to a structure or vehicle.
A) See number 3 above, but reversed this time. Neighbor’s helping neighbors.
6️⃣ Your NEIGHBORS tree falls onto your property, causing damage to your home, shed or even vehicle.
A) Your home or auto insurance policy would be used here for the same reasons as number 4 above but in reverse. Again, determine the extent of the damages and determine if it’s worth pursuing a claim with costs comparable to your deductible.
NOTE: in these cases if you have damages to a VEHICLE caused by a fallen tree or other object, know that it is considered a COMPREHENSIVE claim and would NOT be considered a chargeable or at fault incident like you colliding with something.
Hope this helps and for more detailed advice or recommendations specific to your situation, please feel free to reach out.
