It depends on why the tree needs to come down. Insurance generally responds to sudden, unexpected damage — not routine maintenance.
Usually covered
- A tree falls on your house, garage, fence, or vehicle due to a storm or high winds.
- A healthy tree is uprooted in a severe weather event and causes damage to insured structures.
In these cases, insurance typically covers the cost of removing the tree from the damaged structure, and often a portion of the debris removal — though policies vary, so it's worth checking your specific coverage.
Usually not covered
- Removing a dead or declining tree before it falls, as preventive maintenance.
- Routine pruning, trimming, or stump grinding.
- A tree that falls but causes no damage to insured structures (e.g., it lands in an open yard).
Our role in a claim
If a storm has damaged your property, we can document the damage with photos and provide an itemized invoice your insurance company can use to process the claim — alongside our 24/7 emergency response to handle the immediate hazard.