Yes. Damage from a tree falling on your house is typically covered, including the cost to remove the tree if it damages covered property.
The Short Answer
Yes. Damage from a tree falling on your house is typically covered by homeowners insurance. The policy pays to repair the damage to your home, and it usually covers removing the tree if it falls on covered property.
What's Covered When a Tree Falls
If a tree falls on your house, the damage to your structure is a covered claim. That includes the cost to repair your roof, walls, and any other damaged parts of the home. Coverage usually also includes removing the fallen tree when it is resting on covered property.
The cause of the fall, such as a storm or high wind, is generally not the deciding factor. Homeowners policies cover the resulting damage to your property regardless of whether the tree was healthy.
What's Not Covered
If a tree falls but does not damage any covered structure, the cost to remove it is usually not covered. A tree that falls in your yard and lands on nothing is typically your responsibility to remove, because there is no covered loss.
Also, if a neighbor's tree falls on your house, your policy still covers the damage to your home. Your insurer may then pursue the neighbor's insurer, but you do not wait for that process to get your own claim paid.
Smarty's Advice Expert Insight
John Smart (Smarty) · Smarty Home Solutions / eXp Realty Agent, AI Certified Agent
Document Tree Damage and File Promptly
A tree on your house is covered, so photograph the damage and call your insurer. Removal is covered when the tree hits covered property, but not if it falls harmlessly in the yard.
John Smart, AI-Certified Agent with eXp Realty helps homeowners across Greater Philadelphia through storm season. Call 215-598-6848 or schedule a free consultation.