Everyone benefits from trees; they reduce carbon dioxide in the atmosphere and provide much of the oxygen we need. They also provide us with beauty and shade, but homeowners can have mixed feelings about trees. In addition to being somewhat messy during changes of season, if one falls on your tree or car— your feelings can become quite clear!

Much of the damage trees can cause to property is often covered by insurance. Generally speaking, if a tree hits your home or other insured structure, your standard homeowners’ insurance policy covers the damage to the structure and its contents.

Properly selected, placed, and maintained trees can provide excellent wind protection for a house, which can reduce heating costs and noise from neighbors and traffic. By putting thought and energy into planting and maintenance, homeowners can reap these benefits while preventing much potential damage.

tree with roots

While some trees don’t handle wind well, others can withstand some of the most powerful gusts. Select trees with strong root systems and thick bark to support them in windy conditions. That said, do not plant large shade trees within 2 feet of your home as growing roots can shift the soil under and around the foundation, potentially rendering it unstable.

To minimize damage from your own trees, it’s important to maintain their health and properly prepare them for winter weather and storms. A diseased tree is more likely to have branches that will break off and cause damage during high winds. Trees with inadequate root systems may blow over or break off at the ground line.

What If…

  • A Neighbor’s Tree Falls on Your House?
    You’ll need to file a claim with your insurance company. If negligence can be proved—such as a diseased tree or tree that wasn’t properly maintained — your company may try to collect from your neighbor’s policy. If that happens, you may be reimbursed for your deductible.
  • A Tree Falls on Your Car?
    Damage is covered under the comprehensive portion of your auto insurance policy.
    Trees Are Damaged by Fire, Lighting, Explosion, Theft, Aircraft, Vehicles* and Vandalism?
    Most homeowners’ policies typically provide coverage, limited to about $500 per tree, shrub or plant. *excluding residents’ vehicles.

Any Questions? Give us a call to discuss your coverage at 401-846-9629.
We’re always here to help!


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