Navigating the ins-and-outs of paperwork and documentation can be a grey area, especially when it comes to insurance claims. As a home or business owner, it is your responsibility to care for and protect your property. Some home insurance companies offer policies that can help you with the “protection” part. 

Tree damage may not be at the forefront of your mind when you are thinking through coverage levels for your homeowner’s insurance. However, if a tree does fall on your home, it can damage your house and your possessions, not to mention financial devastation if not covered by an insurance policy. Choosing an insurance policy is all about balancing the scale of caution and practicality. 

For most policies, insurance considers the following two conditions: 

1. If a fallen tree hits an insured structure, a homeowners policy will cover the cost of removing the tree. This generally caps-off at 750-1,500 AUD, but ultimately depends on the insurer and type of policy purchased. 
2. If a fallen tree does not hit an insured structure, there is typically not any coverage for debris removal. 

Whether a homeowners insurance policy covers tree damage or not will be situational. In order for the damage to be covered, the cause of the tree falling must be due to a covered peril. Disasters like fire, lightning, vandalism and theft are some of the limited possibilities of tree damage coverage. 

Ultimately, this varies depending on the type of policy, policy coverage parameters, and types of structures impacted by a fallen tree. 

If you need help filing an insurance claim to cover tree damage on your property, give us a call here at Dynamic Arborist. We can help you by providing risk assessments or any official inspections as you file your insurance claim. We would be happy to help you walk through your personal tree impact insurance claim.