What Insurance Covers After a Fallen Tree

In most cases, homeowners insurance covers tree removal if the fallen tree damages a covered structure—like your home, garage, or fence—or blocks access to your driveway or entryway.

What Insurance Covers After a Fallen Tree

A Fallen Tree Can Cost Thousands—Unless You Know Your Coverage

Every year, storms cause millions in property damage across the U.S., and one of the most common culprits isn’t lightning or flooding—it’s falling trees.

If a large oak or pine crashes onto your roof, you’re suddenly asking: “Will my insurance even cover this?”

Let’s break it down clearly.

✅ When Insurance Usually Covers Tree Removal

In most cases, homeowners insurance covers tree removal if the fallen tree damages a covered structure—like your home, garage, or fence—or blocks access to your driveway or entryway.

That means if:

• A storm brings down a tree that lands on your roof.

• Heavy winds send branches into your garage

• Or a large oak blocks your driveway

—then your insurance will likely cover removal and repair costs.

Most policies cover up to $1,000 per tree and $500 per incident, but it depends on your carrier. Always confirm your limits before filing a claim.

🚫 When Insurance Doesn’t Cover It

If a tree just falls in your yard without damaging anything, you’re on the hook for cleanup.

Why? Because insurers see it as a maintenance issue, not a peril.

Here’s what they typically don’t cover:

• A dead or diseased tree that you ignored

• Gradual root damage to driveways or foundations

• Fallen branches that don’t touch any structure

• Preventive removals (even if the tree might fall soon)

Insurance only steps in after actual damage occurs.

💡 Your Action Plan After a Storm

When disaster hits, time matters. Here’s what to do:

• Stay safe first.

  Avoid power lines and unstable branches.

• Take photos immediately.

  Document everything from multiple angles.

• Contact your insurance company.

  Report the damage before starting cleanup.

• Call ALX Tree Service.

  We provide same-day removal, damage documentation, and claim support.

• Keep receipts and reports.

  Every detail helps speed up reimbursement.

Our certified crews know exactly how to handle insurance jobs—fast, safe, and compliant with carrier requirements.

🌳 How 1 Tree Emergency Simplifies the Insurance Process

We’ve built our service specifically for this scenario.

When a storm hits, we handle the chaos—from on-site removal to detailed claim documentation for your insurer.

Here’s what sets us apart:

• Licensed, insured, and certified arborists

• 24/7 response via our mobile app

• Detailed before-and-after photo documentation for adjusters

• Direct communication with insurance carriers to reduce delays

• Nationwide network of vetted emergency tree contractors

We don’t just remove trees—we help restore peace of mind.

🏡 Prevention: The Best Kind of Insurance

The best time to protect your coverage is before the next storm.

Schedule routine inspections, prune dead limbs, and remove high-risk trees leaning toward your home or power lines.

Insurance companies notice when homeowners are proactive. In some cases, proper maintenance can even prevent non-renewal after repeated storm claims.

We work with property owners across Simsbury, Avon, Farmington, West Hartford, and the East Coast to keep properties compliant and storm-ready.

Final Word: Know Your Coverage, Act Fast, and Partner Smart

When trees fall, clarity disappears fast.

Insurance coverage, emergency response, safety—all collide in the moment.

But with ALX Tree Service, you’re never left guessing.

We know the insurance process, speak the adjusters’ language, and get the dangerous debris out—safely and fast.

Call ALX Tree Service today to connect instantly with certified arborists near you.

When storms strike, we’re the first call your insurance company trusts.