Does Homeowners Insurance Cover Fallen Trees?

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   njinsuranceguy

   Salem NJ

   Typical policies cover fallen trees if they cause property damage, and if they fall due to a covered peril such as wind, lighting, etc. If a tree just falls in the yard and does not damage anything then usually the policy will not cover the removal of the tree or a replacement tree. It must cause damage and be caused by a covered peril. Hope this helps.

   Answered on July 23, 2013

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