Does Home Insurance Cover a Fallen Tree?

It can be scary when a tree falls on your home. Having home insurance can help, depending on the circumstances. If you’ve recently experienced a falling tree in your yard and you need help, the professionals at West Texas Insurance Agency servicing Amarillo, TX can provide information, claim assistance, and more. Our experienced insurance team can help you through the process of clearing a tree from your yard. Here’s what you need to know. 

Is a Fallen Tree a Covered Event?

A fallen tree on your property may be a covered event. Different home insurance policies handle this situation in different ways, so you’ll need to read your insurance policy for the specifics. Here’s what’s typical:

• Most home insurance policies will provide coverage if a healthy tree is knocked over by the wind, causing damage to structures on your property. These structures can include fencing, sheds, a garage, your house, etc. 
• Most home insurance policies will not provide coverage if the tree doesn’t cause any structural damage. If the structures on your property are left intact and the tree falls on your yard only, your home insurance policy will likely not cover it.
• If the tree was rotted inside and was due to fall anyway, your home insurance policy will likely not provide coverage in this case. 

What Should You Do If A Tree Falls On Your Home

If a tree has fallen on your property, you can find out if the event is covered by your home insurance by calling your insurance agent. At West Texas Insurance Agency, we can help our insureds with filing a claim. Call West Texas Insurance Agency servicing Amarillo, TX today to learn more about how your home insurance policy can help you.