{"id":43479,"date":"2024-03-06T14:09:00","date_gmt":"2024-03-06T19:09:00","guid":{"rendered":"https:\/\/www.plymouthrock.com\/?p=43479"},"modified":"2025-02-04T11:43:13","modified_gmt":"2025-02-04T16:43:13","slug":"does-home-insurance-cover-tree-damage","status":"publish","type":"resources","link":"https:\/\/www.plymouthrock.com\/resources\/does-home-insurance-cover-tree-damage","title":{"rendered":"Does home insurance cover tree damage"},"content":{"rendered":"\n<p>Trees are beautiful, but they can also be dangerous. If a tree falls on your property, one of your first thoughts might be, \u201cDoes <a href=\"https:\/\/www.plymouthrock.com\/insurance\/home\">homeowners insurance<\/a> cover tree damage?\u201d The answer is maybe. It all depends on what caused the tree to fall and where it lands. Let\u2019s explore the details.<\/p>\n\n\n\n<div class=\"home-resources-orange-border\" style=\"width:100%;\"><strong>Table of Contents<\/strong> <ul style=\"list-style-type: padding-left:10px;\"><li style=\"color:#00; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#covered\">When does your home insurance cover tree damage<\/a><\/span><\/li><li style=\"color:#000; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#not covered\">When does your home insurance not cover tree damage<\/a><\/span><\/li><li style=\"color:#000; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#prevent damage\">How to prevent tree damage<\/a><\/span><\/li><\/div>\n\n\n\n<a id=\"covered\"><h2 style=\"margin-top:25px; margin-bottom:0px;\">When does your home insurance cover tree damage <\/h2><\/a>\n\n\n\n<p>In most cases\u2014but not all\u2014damage caused by trees will be covered by your homeowners insurance policy. Here\u2019s a quick breakdown of how your policy is set up to cover tree damage:<\/p>\n\n\n\n<div class=\"wp-block-columns are-vertically-aligned-top is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-top is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:100%\">\n<table style=\"margin-bottom:0px; display: inline-block;\n    vertical-align: top;\"><tr><td style=\"border-radius: 10px 10px 0px 0px; \n background-color:#0078D6; border-color:#ffffff; color:#fff; padding:10px 15px 10px 15px; text-align: center;\"><strong>Dwelling<br \/>  (Coverage A)<\/strong><\/td><\/tr>\n\n<tr><td class=\"resources-column-height\" style=\"line-height:21px;\">Covers tree damage to your home due to any event, except for exclusions. An exclusion is an event that is specifically listed in your homeowners policy.<br \/><br \/><\/td><\/tr>\n<\/table>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-top is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:100%\">\n<table style=\"margin-bottom:0px; display: inline-block;\n    vertical-align: top;\"><tr><td style=\"border-radius: 10px 10px 0px 0px; \n background-color:#0078D6; border-color:#ffffff; color:#fff; padding:10px 15px 10px 15px; text-align: center;\"><strong>Other Structures<br \/>(Coverage B)<\/strong><\/td><\/tr>\n\n<tr><td class=\"resources-column-height\" style=\"line-height:21px;\">Covers tree damage to other structures on your property due to any event, except for exclusions. Other structures include fences, sheds and detached garages.<br \/>\u00a0<\/td><\/tr>\n<\/table>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-top is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:100%\">\n<table style=\"margin-bottom:0px; display: inline-block;\n    vertical-align: top;\"><tr><td style=\"border-radius: 10px 10px 0px 0px; \n background-color:#0078D6; border-color:#ffffff; color:#fff; padding:10px 15px 10px 15px; text-align: center;\"><strong>Personal Property<br \/>(Coverage C)<\/strong><\/td><\/tr>\n\n<tr><td class=\"resources-column-height\" style=\"line-height:21px;\">Only covers tree damage to your possessions due to named perils. A named peril is a cause that is specifically listed in your policy. Examples include wind, lightning and vehicles.<\/td><\/tr>\n<\/table>\n<\/div>\n<\/div>\n\n\n\n<p>Let\u2019s say a powerful storm blows through your neighborhood, uprooting a giant elm tree. Because wind is not specifically listed as an exclusion on your homeowners policy, your insurance would cover damage to the following:<\/p>\n\n\n\n<ul style=\"margin-bottom:20px;\"><li>Your home\u2019s structure, including the roof<\/li><li><a href=\"\/resources\/other-structures-coverage\">Other structures<\/a> on your property, such as a fence, shed or detached garage<\/li><li>Your driveway<\/li><\/ul>\n\n\n\n<p>Remember, you can always talk to your insurance carrier to learn more.<\/p>\n\n\n\n<h3 style=\"margin-bottom:0px; font-size:18px;\"><strong>Who Determines the Cause<\/strong><\/h3>\n\n\n\n<p>After you submit the claim, an insurance adjuster will carefully examine the facts of the loss as well as your homeowners insurance policy. Based on their investigation of the fallen tree, they can determine if you\u2019re covered or not.&nbsp;<\/p>\n\n\n\n<a id=\"not covered\"><h2 style=\"margin-top:25px; margin-bottom:0px;\">When does your home insurance not cover tree damage <\/h2><\/a>\n\n\n\n<p>Homeowners insurance is primarily designed to address events that you can\u2019t predict or prevent, like fires, high winds and heavy snow. Sometimes, though, trees or limbs fall due to preventable causes, like rot or broken roots. In these cases, your <a href=\"\/resources\/what-does-home-insurance-cover\">homeowners insurance may not offer coverage<\/a>.<\/p>\n\n\n\n<p>Here are some other scenarios when a standard homeowners insurance policy may not cover damage caused by a falling tree or limb.<\/p>\n\n\n\n<ul style=\"margin-bottom:20px;\"><li><strong>Yard damage<\/strong> \u2013 If a fallen tree damages your lawn, most insurance carriers won\u2019t pay for landscapers to restore the lawn to its original condition.<\/li><li><strong>Tree removal<\/strong> \u2013 Most home insurance policies won\u2019t cover tree removal alone. Usually, the tree must also damage your property in order for your insurance to cover tree removal.<\/li><\/ul>\n\n\n\n<p>Another interesting coverage situation deals with damage to the tree itself. For example, if your beloved Japanese red maple is damaged by decay, your insurance policy won\u2019t replace it. But if it\u2019s hit by lightning, your policy would cover the damage.<\/p>\n\n\n\n<p>This chart details which causes are typically covered by your policy:<\/p>\n\n\n\n<div style=\"border:1px solid #0078D6; margin-bottom:15px; margin-top:15px;\"><table style=\"margin-bottom:0px;\"><tr><td style=\"background-color:#0078D6; border-color:#ffffff; color:#fff; padding:10px 10px 10px 15px; text-align: left; width:60%;\"><strong>Cause of Damage to Tree\/Shrub\/Plant<\/strong><\/td><td style=\"background-color:#0078D6; border-color:#ffffff; color:#fff; padding:10px 10px 10px 10px; text-align: center; width:20%;\"><strong>Covered by Home Policy<\/strong><\/td><td style=\"background-color:#0078D6; border-color:#ffffff; color:#fff; padding:10px 10px 10px 10px; text-align: center; width:20%;\"><strong>Not Covered by Home Policy<\/strong><\/td><\/tr>\n\n<tr><td style=\"background-color:#e5f2fb; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left;\">Theft<\/td><td style=\"background-color:#e5f2fb; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: center; vertical-align:middle;\"><strong>X<\/strong><\/td><td style=\"background-color:#e5f2fb; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: center;\">&nbsp;<\/td><\/tr>\n\n<tr><td style=\"background-color:#fff; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left;\">Rot\/decay<\/td><td style=\"background-color:#fff; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: center;\">&nbsp;<\/td><td style=\"background-color:#fff; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: center; vertical-align:middle;\"><strong>X<\/strong><\/td><\/tr>\n\n<tr><td style=\"background-color:#e5f2fb; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left;\">Explosion<\/td><td style=\"background-color:#e5f2fb; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: center;\"><strong>X<\/strong><\/td><td style=\"background-color:#e5f2fb; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: center; vertical-align:middle;\">&nbsp;<\/td><\/tr>\n\n<tr><td style=\"background-color:#fff; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left;\">Old age<\/td><td style=\"background-color:#fff; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: center;\">&nbsp;<\/td><td style=\"background-color:#fff; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: center; vertical-align:middle;\"><strong>X<\/strong><\/td><\/tr>\n\n<tr><td style=\"background-color:#e5f2fb; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left;\">Fire or lightning<\/td><td style=\"background-color:#e5f2fb; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: center; vertical-align:middle;\"><strong>X<\/strong><\/td><td style=\"background-color:#e5f2fb; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: center;\">&nbsp;<\/td><\/tr>\n\n<tr><td style=\"background-color:#fff; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left;\">Vandalism<\/td><td style=\"background-color:#fff; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: center; vertical-align:middle;\"><strong>X<\/strong><\/td><td style=\"background-color:#fff; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: center;\">&nbsp;<\/td><\/tr>\n\n<tr><td style=\"background-color:#e5f2fb; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left;\">Vehicle (not owned or operated by resident)<\/td><td style=\"background-color:#e5f2fb; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: center; vertical-align:middle;\"><strong>X<\/strong><\/td><td style=\"background-color:#e5f2fb; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: center;\">&nbsp;<\/td><\/tr>\n\n<\/table><\/div>\n\n\n\n<h3 style=\"margin-bottom:0px; font-size:18px;\"><strong>More Coverage Questions<\/strong><\/h3>\n\n\n\n<p>Here are some other insurance coverage questions you may be curious about:<\/p>\n\n\n\t\t<div data-elementor-type=\"section\" data-elementor-id=\"43485\" class=\"elementor elementor-43485\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-cd35944 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"cd35944\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6696729\" data-id=\"6696729\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7ac1491 elementor-widget elementor-widget-accordion\" data-id=\"7ac1491\" data-element_type=\"widget\" data-widget_type=\"accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1281\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-1281\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-chevron-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">What happens if my neighbor\u2019s tree falls on my house?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1281\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-1281\"><p>The person whose property was damaged is responsible for filing the insurance claim, no matter who owns the fallen tree. Therefore, if your neighbor\u2019s tree (or any part of the tree) lands on your house, you would have to file the claim with your homeowners insurance carrier\u2014not your neighbor.<\/p><p>If your neighbor\u2019s tree fell due to a covered risk, your insurance carrier would pay to repair the damage it caused to your property.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1282\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-1282\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-chevron-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">If a tree falls on my car, will my homeowners insurance cover the damage?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1282\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-1282\"><p>No, it won\u2019t. In this case, your auto insurance would pay to repair the damage to your car.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1283\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-1283\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-chevron-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Will my homeowners insurance pay to remove a rotted tree before it falls?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1283\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-1283\"><p>Unfortunately, no. Your property must be damaged by a <em>fallen<\/em> tree or limb for home insurance to apply. Remember, maintaining healthy trees is part of your job as a homeowner\u2014the same way you\u2019re expected to keep your pipes warm in the winter.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1284\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-1284\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-chevron-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Will my insurance pay to remove a fallen tree if it\u2019s blocking an entry?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1284\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-1284\"><p>If a fallen tree blocks an access point on your property, your homeowners insurance policy may cover the cost of tree removal. Examples of access points include your home\u2019s front door, your driveway, your garage or a handicap ramp. Consult with your home insurance carrier to be sure.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t\n\n\n\n<a id=\"prevent damage\"><h2 style=\"margin-top:25px; margin-bottom:0px;\">How to prevent tree damage <\/h2><\/a>\n\n\n\n<p>The best defense against tree damage is to prevent it from happening in the first place. And the best way to do that is to regularly inspect the trees around your property.<\/p>\n\n\n\n<h3 style=\"margin-bottom:0px; font-size:18px;\"><strong>Regular Inspections<\/strong><\/h3>\n\n\n\n<p>You can either schedule an inspection with an arborist or inspect the trees yourself. An arborist will cost you, of course, but they can identify the less obvious signs of trouble and recommend next steps.<\/p>\n\n\n\n<p style=\"margin-bottom:5px;\">If you choose the DIY route, here are the tree hazards that you should look for:<\/p>\n\n\n\t\t<div data-elementor-type=\"section\" data-elementor-id=\"43481\" class=\"elementor elementor-43481\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-8e7765a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8e7765a\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e579537\" data-id=\"e579537\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6645a17 resource-slider elementor--h-position-center elementor--v-position-middle elementor-arrows-position-inside elementor-pagination-position-inside elementor-widget elementor-widget-slides\" data-id=\"6645a17\" data-element_type=\"widget\" data-settings=\"{&quot;autoplay_speed&quot;:13000,&quot;navigation&quot;:&quot;both&quot;,&quot;autoplay&quot;:&quot;yes&quot;,&quot;pause_on_hover&quot;:&quot;yes&quot;,&quot;pause_on_interaction&quot;:&quot;yes&quot;,&quot;infinite&quot;:&quot;yes&quot;,&quot;transition&quot;:&quot;slide&quot;,&quot;transition_speed&quot;:500}\" data-widget_type=\"slides.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-swiper\">\n\t\t\t\t\t<div class=\"elementor-slides-wrapper elementor-main-swiper swiper\" role=\"region\" aria-roledescription=\"carousel\" aria-label=\"Slides\" dir=\"ltr\" data-animation=\"fadeInRight\">\n\t\t\t\t<div class=\"swiper-wrapper elementor-slides\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-repeater-item-0f41a20 swiper-slide\" role=\"group\" aria-roledescription=\"slide\"><div class=\"swiper-slide-bg\" role=\"img\"><\/div><div class=\"swiper-slide-inner\" ><div class=\"swiper-slide-contents\"><div class=\"elementor-slide-heading\">Dead Branches<\/div><div class=\"elementor-slide-description\">Dead tree branches are a common hazard. Fortunately, they can be easily removed with regular pruning.<\/div><\/div><\/div><\/div><div class=\"elementor-repeater-item-eb3115f swiper-slide\" role=\"group\" aria-roledescription=\"slide\"><div class=\"swiper-slide-bg\" role=\"img\"><\/div><div class=\"swiper-slide-inner\" ><div class=\"swiper-slide-contents\"><div class=\"elementor-slide-heading\">Excessive Leaning<\/div><div class=\"elementor-slide-description\">If your tree is leaning more than 15 degrees, it may be in danger of falling. Oftentimes this is caused by root damage.<\/div><\/div><\/div><\/div><div class=\"elementor-repeater-item-adc1685 swiper-slide\" role=\"group\" aria-roledescription=\"slide\"><div class=\"swiper-slide-bg\" role=\"img\"><\/div><div class=\"swiper-slide-inner\" ><div class=\"swiper-slide-contents\"><div class=\"elementor-slide-heading\">Rot<\/div><div class=\"elementor-slide-description\">Tree rot can make your tree structurally weak. Look for mushrooms growing at the base of your tree or any other signs of rot.<\/div><\/div><\/div><\/div><div class=\"elementor-repeater-item-b36baa0 swiper-slide\" role=\"group\" aria-roledescription=\"slide\"><div class=\"swiper-slide-bg\" role=\"img\"><\/div><div class=\"swiper-slide-inner\" ><div class=\"swiper-slide-contents\"><div class=\"elementor-slide-heading\">Split Trunk<\/div><div class=\"elementor-slide-description\">Cracks or splits in the tree\u2019s trunk are usually caused by root damage or heavy branches. A damaged trunk can make your tree more likely to fall.<\/div><\/div><\/div><\/div><div class=\"elementor-repeater-item-74c5127 swiper-slide\" role=\"group\" aria-roledescription=\"slide\"><div class=\"swiper-slide-bg\" role=\"img\"><\/div><div class=\"swiper-slide-inner\" ><div class=\"swiper-slide-contents\"><div class=\"elementor-slide-heading\">Damaged Roots<\/div><div class=\"elementor-slide-description\">Broken or damaged roots can lead to the tree leaning, cracking and splitting.<\/div><\/div><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-swiper-button elementor-swiper-button-prev\" role=\"button\" tabindex=\"0\" aria-label=\"Previous slide\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"eicon-chevron-left\"><\/i>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"elementor-swiper-button elementor-swiper-button-next\" role=\"button\" tabindex=\"0\" aria-label=\"Next slide\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"eicon-chevron-right\"><\/i>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-pagination\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t\n\n\n\n<h3 style=\"margin-bottom:0px; font-size:18px;\"><strong>Preparing for Storms<\/strong><\/h3>\n\n\n\n<p>Strong storms can cause even the healthiest of trees and limbs to fall. And while you can\u2019t prevent the wind from blowing or lightning from striking, you can mitigate potential damage to your property. Here are some steps you can take:<\/p>\n\n\n\n<div class=\"home-resources-orange-border\" style=\"width:100%;\"><strong>Prevention Measures<\/strong><ul style=\"list-style-type: '\\2713'; padding-left:10px;\"><li style=\"color:#FF7826;\"><span style=\"color:#000; margin-left:10px; display:block;\">Remove diseased trees<\/span><\/li><li style=\"color:#FF7826;\"><span style=\"color:#000; margin-left:10px; display:block;\">Prune dead branches<\/span><\/li><li style=\"color:#FF7826;\"><span style=\"color:#000; margin-left:10px; display:block;\">Prune healthy branches overhanging your home<\/span><\/li><li style=\"color:#FF7826;\"><span style=\"color:#000; margin-left:10px; display:block;\">Reduce number of branches in the tree\u2019s canopy to allow wind to flow<\/span><\/li><li style=\"color:#FF7826;\"><span style=\"color:#000; margin-left:10px; display:block;\">Stake young trees to ground<\/span><\/li><\/ul><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Trees are beautiful, but they also come with risks. Find out if your home insurance covers damage caused by trees. <\/p>\n","protected":false},"author":6,"featured_media":43440,"menu_order":0,"template":"","format":"standard","meta":{"_acf_changed":false,"_oasis_is_in_workflow":0,"_oasis_original":0,"_oasis_task_priority":"","inline_featured_image":false,"_sitemap_exclude":false,"_sitemap_priority":"","_sitemap_frequency":""},"products":[72],"state":[79,83,80,81,82,84],"class_list":["post-43479","resources","type-resources","status-publish","format-standard","has-post-thumbnail","hentry","products-home","state-ct","state-ma","state-nh","state-nj","state-ny","state-pa"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.8 (Yoast SEO v25.8) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Is Tree Damage Covered by Home Insurance | Plymouth Rock<\/title>\n<meta name=\"description\" content=\"Does your home insurance cover tree damage caused by a tree removal accident? How about when natural disasters lead to fallen trees? Read and learn when insurance may cover damage if a tree falls on your house.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.plymouthrock.com\/resources\/does-home-insurance-cover-tree-damage\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Does home insurance cover tree damage\" \/>\n<meta property=\"og:description\" content=\"Does your home insurance cover tree damage caused by a tree removal accident? How about when natural disasters lead to fallen trees? Read and learn when insurance may cover damage if a tree falls on your house.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.plymouthrock.com\/resources\/does-home-insurance-cover-tree-damage\" \/>\n<meta property=\"og:site_name\" content=\"Plymouth Rock Assurance | Car Insurance and Home Insurance\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/PlymouthRockAssurance\/\" \/>\n<meta property=\"article:modified_time\" content=\"2025-02-04T16:43:13+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.plymouthrock.com\/wp-content\/uploads\/2024\/03\/Resource_Tree_640x350.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"640\" \/>\n\t<meta property=\"og:image:height\" content=\"350\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@plymouthrock\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.plymouthrock.com\/resources\/does-home-insurance-cover-tree-damage\",\"url\":\"https:\/\/www.plymouthrock.com\/resources\/does-home-insurance-cover-tree-damage\",\"name\":\"Is Tree Damage Covered by Home Insurance | Plymouth Rock\",\"isPartOf\":{\"@id\":\"https:\/\/www.plymouthrock.com\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.plymouthrock.com\/resources\/does-home-insurance-cover-tree-damage#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.plymouthrock.com\/resources\/does-home-insurance-cover-tree-damage#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.plymouthrock.com\/wp-content\/uploads\/2024\/03\/Resource_Tree_640x350.jpg\",\"datePublished\":\"2024-03-06T19:09:00+00:00\",\"dateModified\":\"2025-02-04T16:43:13+00:00\",\"description\":\"Does your home insurance cover tree damage caused by a tree removal accident? How about when natural disasters lead to fallen trees? Read and learn when insurance may cover damage if a tree falls on your house.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.plymouthrock.com\/resources\/does-home-insurance-cover-tree-damage#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.plymouthrock.com\/resources\/does-home-insurance-cover-tree-damage\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.plymouthrock.com\/resources\/does-home-insurance-cover-tree-damage#primaryimage\",\"url\":\"https:\/\/www.plymouthrock.com\/wp-content\/uploads\/2024\/03\/Resource_Tree_640x350.jpg\",\"contentUrl\":\"https:\/\/www.plymouthrock.com\/wp-content\/uploads\/2024\/03\/Resource_Tree_640x350.jpg\",\"width\":640,\"height\":350,\"caption\":\"Severe tree damage caused by a large trunk crashed through a roof\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.plymouthrock.com\/resources\/does-home-insurance-cover-tree-damage#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.plymouthrock.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Resources\",\"item\":\"https:\/\/www.plymouthrock.com\/resources\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Does home insurance cover tree damage\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.plymouthrock.com\/#website\",\"url\":\"https:\/\/www.plymouthrock.com\/\",\"name\":\"Plymouth Rock Assurance | Car Insurance and Home Insurance\",\"description\":\"More than just Insurance\",\"publisher\":{\"@id\":\"https:\/\/www.plymouthrock.com\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.plymouthrock.com\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.plymouthrock.com\/#organization\",\"name\":\"Plymouth Rock Assurance Corporation\",\"url\":\"https:\/\/www.plymouthrock.com\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.plymouthrock.com\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.plymouthrock.com\/wp-content\/uploads\/2021\/03\/PRAC-Tagline_new_branding.svg\",\"contentUrl\":\"https:\/\/www.plymouthrock.com\/wp-content\/uploads\/2021\/03\/PRAC-Tagline_new_branding.svg\",\"width\":\"1024\",\"height\":\"1024\",\"caption\":\"Plymouth Rock Assurance Corporation\"},\"image\":{\"@id\":\"https:\/\/www.plymouthrock.com\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/PlymouthRockAssurance\/\",\"https:\/\/x.com\/plymouthrock\",\"https:\/\/www.instagram.com\/plymouthrockassurance\"]}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Is Tree Damage Covered by Home Insurance | Plymouth Rock","description":"Does your home insurance cover tree damage caused by a tree removal accident? How about when natural disasters lead to fallen trees? Read and learn when insurance may cover damage if a tree falls on your house.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.plymouthrock.com\/resources\/does-home-insurance-cover-tree-damage","og_locale":"en_US","og_type":"article","og_title":"Does home insurance cover tree damage","og_description":"Does your home insurance cover tree damage caused by a tree removal accident? How about when natural disasters lead to fallen trees? Read and learn when insurance may cover damage if a tree falls on your house.","og_url":"https:\/\/www.plymouthrock.com\/resources\/does-home-insurance-cover-tree-damage","og_site_name":"Plymouth Rock Assurance | Car Insurance and Home Insurance","article_publisher":"https:\/\/www.facebook.com\/PlymouthRockAssurance\/","article_modified_time":"2025-02-04T16:43:13+00:00","og_image":[{"width":640,"height":350,"url":"https:\/\/www.plymouthrock.com\/wp-content\/uploads\/2024\/03\/Resource_Tree_640x350.jpg","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_site":"@plymouthrock","twitter_misc":{"Est. reading time":"4 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.plymouthrock.com\/resources\/does-home-insurance-cover-tree-damage","url":"https:\/\/www.plymouthrock.com\/resources\/does-home-insurance-cover-tree-damage","name":"Is Tree Damage Covered by Home Insurance | Plymouth Rock","isPartOf":{"@id":"https:\/\/www.plymouthrock.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.plymouthrock.com\/resources\/does-home-insurance-cover-tree-damage#primaryimage"},"image":{"@id":"https:\/\/www.plymouthrock.com\/resources\/does-home-insurance-cover-tree-damage#primaryimage"},"thumbnailUrl":"https:\/\/www.plymouthrock.com\/wp-content\/uploads\/2024\/03\/Resource_Tree_640x350.jpg","datePublished":"2024-03-06T19:09:00+00:00","dateModified":"2025-02-04T16:43:13+00:00","description":"Does your home insurance cover tree damage caused by a tree removal accident? How about when natural disasters lead to fallen trees? Read and learn when insurance may cover damage if a tree falls on your house.","breadcrumb":{"@id":"https:\/\/www.plymouthrock.com\/resources\/does-home-insurance-cover-tree-damage#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.plymouthrock.com\/resources\/does-home-insurance-cover-tree-damage"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.plymouthrock.com\/resources\/does-home-insurance-cover-tree-damage#primaryimage","url":"https:\/\/www.plymouthrock.com\/wp-content\/uploads\/2024\/03\/Resource_Tree_640x350.jpg","contentUrl":"https:\/\/www.plymouthrock.com\/wp-content\/uploads\/2024\/03\/Resource_Tree_640x350.jpg","width":640,"height":350,"caption":"Severe tree damage caused by a large trunk crashed through a roof"},{"@type":"BreadcrumbList","@id":"https:\/\/www.plymouthrock.com\/resources\/does-home-insurance-cover-tree-damage#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.plymouthrock.com\/"},{"@type":"ListItem","position":2,"name":"Resources","item":"https:\/\/www.plymouthrock.com\/resources"},{"@type":"ListItem","position":3,"name":"Does home insurance cover tree damage"}]},{"@type":"WebSite","@id":"https:\/\/www.plymouthrock.com\/#website","url":"https:\/\/www.plymouthrock.com\/","name":"Plymouth Rock Assurance | Car Insurance and Home Insurance","description":"More than just Insurance","publisher":{"@id":"https:\/\/www.plymouthrock.com\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.plymouthrock.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.plymouthrock.com\/#organization","name":"Plymouth Rock Assurance Corporation","url":"https:\/\/www.plymouthrock.com\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.plymouthrock.com\/#\/schema\/logo\/image\/","url":"https:\/\/www.plymouthrock.com\/wp-content\/uploads\/2021\/03\/PRAC-Tagline_new_branding.svg","contentUrl":"https:\/\/www.plymouthrock.com\/wp-content\/uploads\/2021\/03\/PRAC-Tagline_new_branding.svg","width":"1024","height":"1024","caption":"Plymouth Rock Assurance Corporation"},"image":{"@id":"https:\/\/www.plymouthrock.com\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/PlymouthRockAssurance\/","https:\/\/x.com\/plymouthrock","https:\/\/www.instagram.com\/plymouthrockassurance"]}]}},"_links":{"self":[{"href":"https:\/\/www.plymouthrock.com\/wp-json\/wp\/v2\/resources\/43479","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.plymouthrock.com\/wp-json\/wp\/v2\/resources"}],"about":[{"href":"https:\/\/www.plymouthrock.com\/wp-json\/wp\/v2\/types\/resources"}],"author":[{"embeddable":true,"href":"https:\/\/www.plymouthrock.com\/wp-json\/wp\/v2\/users\/6"}],"version-history":[{"count":0,"href":"https:\/\/www.plymouthrock.com\/wp-json\/wp\/v2\/resources\/43479\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.plymouthrock.com\/wp-json\/wp\/v2\/media\/43440"}],"wp:attachment":[{"href":"https:\/\/www.plymouthrock.com\/wp-json\/wp\/v2\/media?parent=43479"}],"wp:term":[{"taxonomy":"products","embeddable":true,"href":"https:\/\/www.plymouthrock.com\/wp-json\/wp\/v2\/products?post=43479"},{"taxonomy":"state","embeddable":true,"href":"https:\/\/www.plymouthrock.com\/wp-json\/wp\/v2\/state?post=43479"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}