What then?

Jane lives on a block with lots of trees.

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One night there was a huge storm and four trees on her property came down. One a big old eucalypt fell in the backyard. Thankfully, it did not hit anything but she now has a massive fallen tree that is blocking her from getting to the back gate. A second one crashed and damaged her shed.

So, if the tree was rotting and ready to fall down before the storm, homeowners insurance likely would not cover the damage the tree caused to your home.

Q: What If The Tree Doesn't Damage Anything? A: If a tree falls down and causes no structural damage, meaning your house doesn't need any repairs, your homeowners insurance policy typically will not cover tree debris removal, according to the treedelimbing.barted Reading Time: 6 mins.