What If a Tree Falls on My House?
What if a tree falls on your house? Learn how homeowners insurance may help.
A storm rolls through, and a tree lands on your roof. Once everyone is safe, you may be wondering: will homeowners insurance help cover the damage?
Will my policy cover repairs?
If the tree falls because of a covered event, such as a windstorm, your homeowners policy may help pay to repair the damage. Coverage depends on your policy’s terms, limits, and exclusions.
What about removing the tree?
Tree removal may also be covered when the fallen tree damages your home or another covered structure, subject to policy limits. If it lands in your yard without causing damage, removal generally isn’t covered, though some policies include exceptions for blocked access.
Will I have to pay a deductible?
A deductible may apply to the claim. Some policies have a separate wind or hurricane deductible, so check your policy to understand your share of the cost.
What should I do first?
Stay clear of damaged areas, take photos when it’s safe, and contact your insurer promptly. Ask about temporary repairs to prevent further damage, and keep receipts for related expenses. Have questions about your homeowners coverage? Your local GEICO Hampton Roads team is happy to help you review your policy.
