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Sep 14, Homeowners insurance protects your home and personal belongings from the unexpected, including fallen tree damage after a bad storm. Fallen tree damage and removal is generally covered if the tree landed on a covered structure and fell because of a covered peril, like heavy winds or a lightning strike.

But if your insurer can prove that the tree fell due to an exclusion in your. Jun 24, An additional exclusion applies if a tree falls on your car. Your homeowners insurance won’t cover this damage, but your auto insurance might - if you have comprehensive coverage on the car (which pays for non-collision related damage).

Limits for Tree Removal Cost. Coverage for tree removal service is usually limited to 5% of the amount of insurance you have on the structure. Estimated Reading Time: 9 mins. Jul 08, “If the neighbor’s tree falls on your house, it’s your problem” says Gary Blackwell, an independent insurance agent based in Corinth, Maine.

Your insurer may reimburse you for repairs to Estimated Reading Time: 5 mins.