Does my home insurance cover damage from falling trees?

Yes. Your home insurance policy could cover damage to your home from a fallen tree, as long as the tree fell due to a covered event included in your policy – like a windstorm.

The damage must also be sudden and accidental (again, if it happened because of a windstorm, for example). But what if the tree that fell was dead and wasn’t removed when it should’ve been? Or maybe it wasn’t properly trimmed or maintained? That’s considered an avoidable incident had the owner taken responsibility. Any resulting damage probably wouldn’t be covered.