if the wind blows a tree over is that covered under homeoweners ins?

Answer 1

The standard homeowners policy does NOT cover trees that blow over - but it WILL cover damage to a covered structure that is CAUSED by the tree (like a fence, or a roof).

Debris removal is a VERY LIMITED coverage, usually limited to $250, and ONLY for the part of the tree on the damaged structure.

It's like leaves, or branches - if it falls in they yard, you have to clean it up.

This is a PROPERTY coverage, NOT a liability coverage. I've NEVER EVER seen damage to someone elses property actually COVERED under a neighbor's liability policy - it's pretty tough to prove negligence when wind blows the tree over.

Answer 2

Damage caused by the tree when it comes down is covered and probably expenses to remove it as well. The tree itself carried no monetary value.

Answer 3

Insurance is a legal gambling racket. If tree a falls because of the wind, is an act of God.
If tree a,b,c,d and y are blown over, well God was having a rough day, still her doing.
If they can get out of paying,they won't pay. Insurance is like any company, if the bottom line shows a profit to the stockholders, yes they will pay, or no they will not.

Answer 4

call your insurance company, all policies are different