A falling tree can cause significant damage to a home, leading to expensive repairs and safety concerns. Storms, high winds, or even tree decay can unexpectedly bring down a tree, affecting your property and disrupting your tranquility. Serving Coppell, TX and the surrounding areas, The Select Insurance Agency simplifies the process of getting the coverage you need to protect against unforeseen events.
Does Homeowners Insurance Cover Tree Damage?
In most cases, homeowners insurance covers tree damage that results from covered perils like storms, strong winds, and lightning. If a tree falls due to natural causes, your policy may pay for repairs.
However, there are exclusions. If the tree was dead, rotting, or poorly maintained, insurance may not cover the damage, as it could be considered negligence. In addition, earthquake or flood-related tree damage may require separate coverage.
What Costs are Typically Covered?
- Structural Damage – Repairs for your home, shed, or garage.
- Debris Removal – Coverage for tree removal, though limits may apply.
- Personal Property Damage – Compensation for damaged belongings inside your home.
What To Do If a Tree Falls on Your Home
1. Ensure Safety – Evacuate if necessary and check for hazards like gas leaks.
2. Document the Damage – Take photos and videos for insurance purposes.
3. Contact Your Insurer – File a claim and follow their instructions.
4. Prevent Future Risks – Trim weak trees and remove dead branches to reduce hazards.
Contact The Select Insurance Agency for Home Insurance
A falling tree can cause serious damage to your home, but homeowners insurance can provide the coverage needed to cover repairs and other expenses. Call our Coppell, TX office today at 972-315-7299 to explore your insurance options.
