A tree fell in my yard. It didn’t hit anything, but it will cost over $2,000 to remove it. Why won’t my ins co pay for it all?

Free Insurance Quote Comparison

 Secured with SHA-256 Encryption

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Full Bio →

Written by

UPDATED: May 10, 2010

Advertiser Disclosure

It’s all about you. We want to help you make the right legal decisions.

We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

Insurance Question from Anaheim, CA

Asked on 05/10/2010

A tree fell in my yard. It didn’t hit anything, but it will cost over $2,000 to remove it. Why won’t my ins co pay for it all? NULL

Answer given on May 23, 2010

I’m sorry to hear about the tree falling in your yard, but am happy no damage was done and hopefully no one got hurt.  Your homeowners insurance is there to cover losses to your home.  If the tree had damaged your home then your policy should respond to repair your home (depending on what coverages you have)  but still would not pay for the cost to remove the tree.  Likewise if the tree had fallen on your vehicle, your auto insurance would respond to repair your vehicle.  Again, however that policy would not pay to remove the tree. Insurance is designed to cover unexpected losses to your property, but not maintenance type issues, which is more what clearing a fallen tree would come under.


IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and FreeAdvice.com AS IS. It has not necessarily been reviewed by the management staff of FreeAdvice.com nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although FreeAdvice.com has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on AttorneyPages.com to represent you.

Free Insurance Quote Comparison

Enter your ZIP code below to compare cheap insurance rates.

 Secured with SHA-256 Encryption