Tree on the roof?
Tree Fell on Your House — Is It Covered?
Your insurance usually pays even if it's the neighbor's tree. Removal cost caps and limits explained in 60 seconds.
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The short answer
If a tree falls on your home, your own home insurance almost always pays — regardless of who owns the tree. Removal costs are usually capped ($500–$1,500) unless the tree blocks access or damaged a covered structure.
When the neighbor pays
Only if the tree was visibly dead or rotted AND the neighbor was notified beforehand. Otherwise it's treated as 'an act of nature'.
Frequently asked
- What if the tree didn't hit the house, just landed in the yard?
- Removal usually isn't covered unless it blocks access or damaged a covered structure (driveway, fence with scheduled cover).
- Can I claim from the neighbor's insurance?
- Only with proof of negligence — a dead/diseased tree they were warned about.
Your policy is the only source of truth
Stop guessing. Check your actual policy.
Generic answers don't pay claims. PolicyPal reads your policy wording in seconds and tells you, in one sentence, whether you're covered.