A tree can cause significant damage to your home if it collapses on the structure, or it might ruin your landscape. Both can take time and effort to restore to their original condition. In many cases, your homeowners insurance policy covers the damage, but it’s important to recognize the different factors that could affect your claim. Here’s what you should know.

When Is Tree Damage Covered?

If a tree falls on your home in the aftermath of a storm, hurricane, or windstorm, your homeowners insurance policy will cover the damage. Policies can even cover tree damage that may result from a malicious act, like vandalism.

This is true whether the tree was on your property or a neighbor’s land. In addition to home restorations, your coverage also applies to damages that affect other parts of your property, such as sheds, fences, and detached garages. The policy may also cover the removal of the tree, provided it caused damage to your property.

When Does Coverage Not Qualify?

A homeowners insurance policy won’t cover a tree that falls due to pure neglect or lack of maintenance. If it’s clearly in poor condition and falls because it wasn’t trimmed or removed, the insurance company will likely deny a claim if your home is damaged. In addition, if such a tree falls on your neighbor’s property, you’ll likely be responsible for any damages that occur. This is why it’s crucial to practice regular tree maintenance.

If the tree falls due to a storm or other natural event, but it doesn’t cause any type of damage to your property or other structure, the policy generally won’t cover the removal of the debris. There may be an exception if the tree creates an obstruction that prevents you from safely leaving your home or if it blocks a doorway or window.

If you’re seeking a homeowners insurance policy to safeguard one of your most valuable investments, turn to Cundiff & Company Insurance Inc., in Somerset, KY. The insurance company offers protections for everything from vehicles to properties, ensuring everything you own is in the safest possible hands. To find out more about their products, visit the website or call the insurance agents at (606) 679-8379 to get started.