A. If a tree falls on my house, garage, fence or shed, do I have coverage under my homeowner insurance?

• You are covered to remove the tree from the structure(s). You are also covered for the damage the tree causes to the structure.
• You are limited to only removal from the structures. Not to clean up the entire tree.

B. If a tree falls on my neighbors house, garage, fence or shed, do I have coverage?

• Your neighbor's homeowner insurance policy should cover him for the damage if it is the result of an act of God. The fact that it is your tree is not relevant when the cause of loss is an act of God.
• The tree damage would be covered on your homeowner insurance policy only if you are in some way negligent. (i.e. You knew the tree was dead and you did not have it removed. You failed to maintain the tree by removing dead branches. You started to cut through the trunk, went to have lunch, and the tree fell down.)

C. If the tree falls in my yard, not hitting anything, do I have coverage?

• You are not covered if the tree falls due to windstorm unless it lands on a "structure" (see above).
• It is covered, however, when it falls and does not land on a structure, if the the damage is due to one of the following covered causes of loss: Fire, Lightning, Explosion, Riot or Civil Commotion, Vehicle (not owned by the insured), Aircraft, Vandalism or Malicious Mischief, or Theft.

*** Even though a lost tree may not be covered, it may be possible to take a deduction on your federal income tax for the loss & depreciation of the property.