Does Insurance Cover Tree Removal After a Storm?
Last updated October 26, 2026
The short answer
When Tree Removal Is Covered
If a storm knocks a tree onto your home, your dwelling coverage typically pays to remove the tree and repair the damage to your house. The same often applies if the tree hits a garage, shed, or other structure listed in your policy. You may also be covered for the cost of removing the tree itself, up to your policy's limit.
Coverage depends on the cause of the fall. Wind, lightning, and hail are usually covered perils, but flood damage is separate. If a tree falls due to rot or neglect, your insurer may deny the claim. Always read your policy carefully and ask your insurer about specific scenarios.
- Tree hits your house: usually covered for removal and repairs
- Tree hits a garage or shed: often covered if the structure is listed
- Tree falls but hits nothing: usually not covered
- Tree falls due to rot or disease: often excluded
- Flood-related tree damage: requires separate flood insurance
When Tree Removal Is Not Covered
A tree that falls in your yard without touching any structure is typically not covered. Your insurance company considers that a maintenance issue, not a storm loss. You would pay for the removal yourself. Some policies include a small allowance for debris removal, but it is limited.
If the tree blocks your driveway or a walkway, coverage is rare unless the tree also damaged a covered structure. For example, a tree blocking your front door may not be covered, but a tree crashing through your roof is. Read your policy's exclusions to understand what is not included.
How to Document the Damage
Before you clean up, take photos and videos of the tree, the damage, and the surrounding area. Capture the tree's base and the point of impact. This evidence helps your insurer assess the claim. Keep receipts for any temporary repairs you make, like tarping a hole in your roof.
Do not remove the tree before your insurer inspects it, unless it is a safety hazard. If you must move it for safety, document everything first. You can also ask your insurer for guidance on whether to wait or proceed with removal.
Steps to Take After a Storm
If you live in Daytona Beach, where hurricane season brings strong winds, act quickly after a storm. Check your property for fallen trees and document any damage. Contact your insurance company to file a claim as soon as you can. Your insurer will explain what they need from you.
If the tree damaged your home, prevent further water damage by covering any openings with a tarp. This is your responsibility to protect the property. Then, call a local water damage pro to assess any interior damage, such as wet insulation or soaked drywall.
What to Do with a Fallen Tree
If your insurance covers the removal, the pros may handle it as part of the claim. If not, you can hire a tree service to remove the tree. The cost depends on the tree's size, location, and complexity of the job. Always get a written estimate before work begins.
After the tree is removed, check for water damage in your home. A fallen tree can break pipes or damage your roof, leading to leaks. If you find water stains or wet insulation, consider contacting a water damage pro to dry the area and prevent mold.
- Take photos before any cleanup
- File your claim promptly
- Tarp any roof holes to stop rain from entering
- Hire a tree service if the removal is not covered
- Inspect for water damage after the tree is gone
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Call Now (386) 272-5697Frequently asked questions
Does homeowners insurance cover tree removal if the tree falls on a car?
Tree damage to a car is usually covered under your auto insurance, not your homeowners policy. Comprehensive coverage typically pays for the removal and repairs, minus your deductible. Check your auto policy limits and file a claim with your auto insurer.
What if the tree falls on a neighbor's property?
Your insurance may cover damage to your neighbor's property if the tree falls on it, depending on your policy's liability coverage. However, your neighbor's insurance might also cover it. It is sensible to report the incident to both insurers and let them sort out the details.
Can I claim tree removal as a maintenance expense?
No, routine tree removal to prevent future damage is considered maintenance and is not covered by homeowners insurance. You would pay for that yourself. Insurance only responds to sudden, accidental damage from a covered peril, not gradual wear or preventive care.