So, you’re ready to leave for work in the morning, and you grab your keys and your phone and hustle out the door. You step onto the porch and immediately drop everything. Apparently, your car did something to antagonize the tree next to the driveway…because that tree has decided to fall over and squash your car like a bug. Clearly, you’re going to be late to work, but you’ve got bigger worries right now: does auto insurance cover you if a tree falls on your car? Let’s explain.
Trees are beautiful. Tall. Majestic. Green. And also very, very heavy. Which is why if a tree falls in the direction of your house it’s terrifying. Trees have the power to cause some pretty serious damage to your home—they’re not picky about which way they fall if a sudden storm or wind gust pops up. They’ll take your house down with them.
This is exactly why home insurance was invented—for situations involving toppling trees. Well, that and some other reasons. Anyways, the good news is that your homeowner’s insurance generally covers damage done to your house by your formerly very pretty tree depending on what caused the tree to fall. Storms and lightning strikes are covered in most plans, so you’re good. You can file a claim and get your house fixed up good as new.
However, things are usually a bit more complicated than that. It’s one thing if it’s your tree and your house—that’s straightforward. But sometimes it doesn’t work out that way, so we’ve put together some information about some of the thornier situations you might encounter.