Ask an Agent
Have a question? We're here to help.
Ask an agent for free
Question

Will homeowners insurance cover a tree falling on my house when I cut it down?

I was cutting trees at my home and, just as the tree was about to come down, the wind blew and changed the direction of the tree. It landed on my roof causing major damage. Is this something that my company will cover considering I was the reason the tree came down?

Oct 7, 2017 Jacksonville, FL

Answer
Author profile picture

The Zebra

The nation's leading independent insurance comparison site

The Zebra is an independent insurance advisor and quote comparison site with headquarters in Austin, Texas. Utilizing its real-time quote comparison …

It's very likely that you will be covered, assuming that your homeowners insurance policy is active and in good standing.

Learn more about fallen tree damage and home insurance.

Each insurance company has different stipulations depending on whether you have a named-peril or open-peril insurance policy, so you'll need to contact your insurance company to get the final word on how your policy would apply to this type of loss. You didn't intentionally cause the damage to your home, so it's unlikely that your claim would be denied unless this type of loss is specifically excluded from your policy.

Ask an Agent
Have a question? We're here to help.
Ask an agent for free

Insurance is complicated, but it doesn't have to be.

The Zebra searches all of the top insurance companies, in one place, so you can compare the cost and coverage you need to protect your car, home and other property.

Step 1: Tell us a little about yourself

Choose an insurance product and enter your zip code to get started.

Step 2: Sip your coffee while we find the best quotes

Enter the necessary information and then sit back while we find quotes from 100 top insurance carriers.

Icon Fill Form

Step 3: Compare your quotes

Compare quotes side-by-side to find the right match for you, whether it's home, auto, or more.

Icon Agent

Step 4: Let our agents do the hard work for you

Once you pick your policy, our agents are here to get you over the finish line. Then just relax and enjoy your savings.

Compare homeowners insurance rates today!

Location pin icon
No junk mail. No spam calls. Free quotes.

Related Questions

Other people are also asking...

Will an insurance company let you underinsure a home?

Thank you for reaching out to The Zebra! Every insurance company is a little bit different. Most will not allow you to insure a home underneath its replacement cost. Here at The Zebra, we do not sell any home or rental properties for less than their replacement cost. One option that might fit your …
Dec 19, 2023 Lexington, KY

Will my renters insurance pay for me to stay in a hotel if my house is damaged?

Renters insurance is extremely valuable since it is often inexpensive and provides lots of coverage when things go wrong. Specifically in your situation, your renters policy should include a "loss of use" provision that would cover temporary living expenses if you weren't able to liv…
Apr 13, 2017 Augusta, ME

Why am I getting quotes that are so drastically different?

Thank you for reaching out to The Zebra!Insurance quoting and rating is a very complex process, and it can get a little confusing. When you quote something on our website, the coverages you were quoted might not be exactly the same which can cause variances in the price. Specifically in Florida, th…
Jun 15, 2023 Mt. Dora, FL

Can someone else register and insure a vehicle I finance?

Regardless of where you live, if you are financing a vehicle you need to have it registered in your name. You can put the car insurance in someone else's name but insuring a vehicle you don't own can be challenging and you would still need to be listed on the policy. You will also need to list your…
Apr 7, 2019 Fern Park, FL