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